HSBC credit cards are good as a backup card especially when you are travelling overseas a lot. The rewards and cashback benefits arent as good as other local banks though. One featute I like abt the HSBC card is it can be configured to access yr savings acount and be able to withdraw cash from the savings acct hence there is no need to carry an additional ATM card.

I hv been using a HSBC visa card for the past 12 years and have experienced none of the issues you mentioned in your Fb. The only complaint I have is that the telephone CS pinoy reps are extremely annoying.

Perhaps its like you got a lemon of a newly purchased car 😛

Tough luck buddy. Better luck with the Maybank VI.

I read somewhere that the auto waiver of annual fee (upon 12 swipes per year) for the Visa Signature, is no longer mentioned in the HSBC website. Is this true and confirmed ?

Do direct debits and on-line purchased contribute towards these 12X swipes quota ?

Hmm..so this means if u apply for a new HSBC card just to take advantage of the zero % CIP program, u must not use it for any retail purchases.

Its a hassle to have to call them every year to waive the fees. Why not just make it free for life...I would sign up for a T1 if this was the offer on the table.