• Min. Monthly Income

    RM8,333

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Earn up to 10x Reward Points from hotel, dining, and shopping spending
  • Earn 1x Reward Point from other retail spending Travel privileges
Shopping
7/10
Travel
7/10
Dining
7/10
Groceries
6/10
Petrol
5.33/10

Promotion

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  • Spend an accumulated total of RM1,000 on anything you want within 60 days from the date of the welcome letter
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Shopping

  • 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall
  • 5x Reward Points for every RM1 spent at more than 30 participating malls nationwide

Travel

  • Convert 3,000 reward points into 1,000 air miles

Dining

  • 10x Rewards Points for every RM1 spent overseas
  • 5xRewards Points for every RM1 spent locally

Groceries

  • 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall
  • 5x Reward Points for every RM1 spent at more than 30 participating malls nationwide

Petrol

  • 1 Reward Point for every RM1 spent

Other Features

  • 20% Bonus Reward Points on total Reward Points already earned on the anniversary of the card

  • Travel

    • 3-hour complimentary access to Plaza Premium Lounge at Kuala Lumpur International Airport (limit to first 15,667 eligible customers throughout the program period)

  • Protection Plan

    • Flight and Travel Accident with coverage of up to RM1,500,000
    • Purchase Protection Cover of up to RM15,000 per item or up to RM45,000 per occurrence

  • Balance Transfer

    • [Plan A]: 3% upfront interest charge, 0% for the next 5 months
    • [Plan B]: 0.58% per month (6.99% p.a.) for a tenure of 12 months
    • [Plan C]: 0.42% per month (4.99% p.a.) for a tenure of 6 months

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

Card Information

Annual Fee Free
Min. Monthly Income RM8,333
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder Free for life
Finance charges 15% p.a. - prompt payment for 12 consecutive months

17% p.a. - prompt payment for at least 10 out of 12 months

18% p.a – if any of the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

RM5,000 per day

Cash advance charge

Higher of RM15 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

10x Reward Points

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Collect Reward Points For More Vacations!

HSBC Visa Signature Card offers 10x Reward Points on overseas hotel room and dining expenses. Aside from that, spending in participating outlets at Mid Valley Megamall and The Gardens Mall gives you up to 8x Reward Points. Meanwhile, 5x Reward Points would also be granted on airline ticket purchases, room and dining spend at local hotels and other spendings at other malls. By collecting the Reward Points, you can convert them to air miles with 3000:1000. Upon the card anniversary, you can earn 20% bonus Reward Points on the compiled points.

Fees and Charges

For this card, there is no annual fees. It is free for life including for the supplementary cards. The 10x Reward Points is granted for a minimum total spending of RM2,000 per month whereas a minimum overall spending of RM1,500 will be given 5x or 8x Reward Points (depends on the category spent on).By settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) you get to enjoy a low finance charge of 15% per annum.

Are You Eligible For The HSBC Visa Signature

To apply for HSBC Visa Signature, you need to be a Premier account holder and to be at least 21 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as HSBC Advance Visa Platinum Credit Card and Mach Signature Credit Card, which may match your requirements.

If you prefer to broaden your credit card search, review more HSBC credit cards and start comparing today!