In 2025, HSBC continues to be one of the most recognized international banks offering credit cards in the Philippines. It offers a range of credit cards designed for different lifestyles, from cashback cards for everyday spending to rewards and travel cards with premium perks. Many HSBC credit cards feature competitive rewards programs, dining privileges, travel benefits, and installment payment options that help cardholders maximize the value of their purchases.
Let’s take a closer look at HSBC credit cards in the Philippines, including their key features, benefits, and how to choose the right card for your lifestyle.
HSBC Credit Cards Features, Annual Fees, and Minimum Income Requirements
HSBC offers a variety of credit cards in the Philippines designed for different lifestyles and spending habits. Some cards focus on cashback for everyday expenses, while others provide rewards points, travel benefits, and dining privileges. With these options, HSBC aims to give cardholders more ways to get value from their purchases.
Below, we’ll take a closer look at the key features, benefits, and eligibility requirements of HSBC credit cards to help you find the one that best fits your spending patterns and financial goals.
- HSBC Credit Cards Features, Annual Fees, and Minimum Income Requirements
- HSBC Credit Cards For Travel
- HSBC Credit Cards For Cashback
- HSBC Credit Cards For Rewards
- HSBC Credit Cards Comparison Table
- How to Choose the Right HSBC Credit Card
- How to Apply for a HSBC Credit Card
- Frequently Asked Questions (FAQs)
HSBC Credit Cards For Travel
Benefits
- 6% rebate on your first Caltex fuel purchase
- 3% rebate on all Caltex fuel purchase
- Up to 10 free complimentary airport lounge access via Priority Pass every year
- Up to 2 complimentary airport transfers and 2 airport meet-and-greet services every year
- Up to 2 complimentary golf rounds a year (local & overseas) every year
- Up to $100k travel insurance
- Enjoy year-round international shopping and dining deals
Eligibility
- Total Relationship Balance: ₱3,000,000
- Annual Fee:
- Primary: ₱12,500 (waived with ₱5M TRB)
- Supplementary: NAFFL
- Forex Fee: 2.99%
Up to ₱50k cashback until Apr 2026
Benefits
- 4 Bonus Points = ₱20 overseas spend
- 3 Bonus Points = ₱20 local shopping and dining
- 6% rebate on your first Caltex fuel purchase
- 3% rebate on all Caltex fuel purchase
- $32 paid access to airport lounge access via Mastercard Travel Pass
- Up to ₱10M travel insurance
- Enjoy HSBC Premier privileges
Eligibility
- Total Relationship Balance: ₱3,000,000
- Annual Fee:
- Primary: NAFFL
- Supplementary: NAFFL
- Forex Fee: 3.5%
HSBC Credit Cards For Cashback
Delsey Luggage Welcome Gift Until March 2026
Benefits
- Spend ₱10,000 a month and earn:
- 8% cashback on dining
- 5% cashback on shopping and entertainment
- 3% cashback on Caltex fuel
- 2% cashback on foods
- 0.2% cashback on all purchases if monthly minimum spend is not met
- Up to ₱10M travel insurance
- E-commerce purchase protection
Eligibility
- Minimum income: ₱400,000
- Annual Fee:
- Primary: ₱5,000
- Supplementary: ₱2,500
- Forex Fee: 3.5%
Benefits
- 5% cashback on dining
- 1% cashback on department store transactions between May and August
- 1% cashback on overseas spend every January, April, May, and December
- 0.2% cashback on all purchases all year round
- 3% rebate on all Caltex fuel purchase
Eligibility
- Minimum income: N/A
- Annual Fee:
- Primary: ₱2,500
- Supplementary: ₱1,250
- Forex Fee: 3.5%
HSBC Credit Cards For Rewards
Delsey Luggage Welcome Gift Until March 2026
Benefits
- 4 Bonus Points for every ₱20 spent on:
- local department stores, clothing, apparel, accessory, and similar stores
- local restaurants, bistros, bars, and similar
- all online transactions,
- overseas spend
- 1 Bonus Point for every ₱20 spent on other categories
- 6% rebate on your first Caltex fuel purchase
- 3% rebate on all Caltex fuel purchase
Eligibility
- Minimum income: ₱400,000
- Annual Fee:
- Primary: ₱2,500
- Supplementary: ₱1,250
- Forex Fee: 3.5%
Still comparing your options? You can also check our interactive comparison table, where you can sort and filter HSBC credit cards based on features such as cashback, rewards rate, travel perks, and annual fee details.
For example, if you only want to see cards with airport lounge access or those offering no annual fee for life (NAFFL), simply use the filters to narrow down the list and quickly find the cards that match your preferences.
HSBC Credit Cards Comparison Table
| Credit Card | Rewards | Cashback | Caltex Rebate | Lounge Access | Travel Insurance | Annual Fee | 1st Supplementary | Forex Fee |
|---|---|---|---|---|---|---|---|---|
| HSBC Premier Travel Card | ❌ | ❌ | ✅ | ✅ | ✅ | ₱12,500 | NAFFL | 2.99% |
| HSBC Premier Mastercard | ✅ | ❌ | ✅ | ✅ | ✅ | NAFFL | NAFFL | 3.50% |
| HSBC Live+ Card | ❌ | ✅ | ✅ | ❌ | ❌ | ₱5,000 | ₱2,500 | 3.50% |
| HSBC Gold Visa Cash Back Card | ❌ | ✅ | ✅ | ❌ | ❌ | ₱2,500 | ₱1,250 | 3.50% |
| HSBC Red Platinum Mastercard | ✅ | ❌ | ✅ | ❌ | ❌ | ₱2,500 | ₱1,250 | 3.50% |
How to Choose the Right HSBC Credit Card
Choosing the right HSBC credit card depends on how you typically spend, the perks you value most, and how often you travel or shop internationally. Here’s a quick guide to help you decide:
For Travel: If you travel frequently, the HSBC Premier Travel Card is the most suitable option. It offers airport lounge access, travel insurance coverage, and a relatively low foreign exchange fee, making it useful for international purchases and overseas trips.
For Premier Banking Clients: The HSBC Premier Mastercard is designed for HSBC Premier customers who want a premium credit card with rewards, travel benefits, and no annual fee. It’s ideal for those who already maintain a Premier banking relationship and want a card that complements their financial profile.
For Dining and Lifestyle Spending: The HSBC Live+ Card is tailored for people who spend regularly on dining, entertainment, and lifestyle purchases. It offers cashback on selected categories along with fuel rebates, making it appealing for everyday lifestyle spending.
For Dining Cashback: The HSBC Gold Visa Cash Back Card is well known for its dining rebates. If you frequently dine out or order food, this card allows you to earn cashback on restaurant spending while still providing rebates on fuel purchases.
For Everyday Rewards: The HSBC Red Mastercard is a solid option for earning reward points on common spending categories like shopping, online purchases, and entertainment. It works well as an all-around rewards card for daily expenses.
By identifying where most of your spending goes, you can choose the HSBC credit card that gives you the most value from your purchases.
How to Apply for a HSBC Credit Card
Applying for an HSBC credit card is pretty straightforward. You’ll just need to prepare a few documents, fill out the form, and submit everything online or in person. Here’s how the process works:
- Visit the HSBC Application Form page and check your eligibility. Applicants must be principal credit card holders of other banks for at least 6 months and must have a minimum gross annual income of ₱400,000.
- Complete the identity verification through your mobile phone. Scan the QR code shown on the screen or copy the URL to your phone’s browser.
- Complete the identity verification using a valid ID and a selfie. The application page will automatically proceed once verification is completed.
- Fill in your personal details, including your address information.
- Review information and submit. The review usually takes 2-3 working days.
HSBC-Accepted Valid IDs
- Driver’s License
- Passport
- UMID
- SSS ID
- BIR/Tax ID (TIN)
- PRC ID
- Philippine National ID
Frequently Asked Questions (FAQs)
1. How to redeem HSBC Reward Points
You can redeem your HSBC points through the HSBC Rewards Site:
- Visit the HSBC Rewards Catalogue page.
- Log in using your 5-digit Unique Rewards User Code and the last 4 digits of your credit card number.
- Scroll through the rewards e-catalogue and click on your desired reward.
- Select the quantity you wish to redeem. Click GET REWARD.
- In the summary page, review the details and click PROCEED once satisfied.
- Visit the History Page to get the status of your redemption request. Status can be For Processing, Approved, or Declined.
- For approved requests, you will see the redemption link to access you reward. Air Miles are automatically credited to your Air Milage account, while annual fee/cash credit requests are posted to your HSBC credit card account.
Processing times vary depending on the reward type. If you have concerns about your rewards redemption, you may contact HSBC at:
- (02) 8858-0000
- (02) 7976-8000
- +1-800-1-888-8555
- HSBC chat support available in the Rewards Catalogue page
2. Do HSBC Reward Points expire
Yes, HSBC Rewards Points have a validity period that depends on the type of card you have with HSBC.
- HSBC Classic Visa and HSBC Classic Mastercard: Rewards points are valid for up to 2 years from the cardholder’s account open date.
- HSBC Premier Mastercard, HSBC Platinum Visa, HSBC Gold Mastercard, HSBC Red Mastercard, and HSBC Advance Visa: Rewards points are valid for up to 3 years from the cardholder’s account open date.
Once points expire, they will no longer appear in your succeeding rewards statements and cannot be reinstated, so it’s best to redeem them before their validity period ends.
3. Is there a minimum income requirement
Yes, each HSBC card has its own income or TRB requirement listed in the individual card information above. The income requirement for HSBC credit cards starts from ₱400,000 or a total relationship balance of ₱3,000,000.
4. How long does the application process take
The HSBC application portal says results will be given in 2-3 days. However, depending on the number of applications, you can receive your HSBC credit card application result in 5 to 10 business days, depending on document completeness, credit evaluation, and the volume of applications being processed.
Existing HSBC clients or those with strong credit profiles may experience faster approvals.
5. How to lock/unlock your HSBC credit card
Unlike some banks, HSBC does not currently offer a lock/unlock feature for credit cards through its mobile app or online banking.
However, you can enhance transaction monitoring by requesting real-time SMS alerts for transactions. Through HSBC Customer Service, you may ask to set your notification threshold to ₱1, which means you will receive an SMS for every credit card transaction made.
This allows you to immediately detect any unauthorized activity and report it to HSBC right away. If you notice a suspicious transaction or lose your card, contact HSBC Customer Service as soon as possible so they can block the card and prevent further charges.
6. Can you request a supplementary card
Yes. Primary cardholders of HSBC credit cards can request up to 4 supplementary cards for family members so their spending can be managed under one account.
You can request a supplementary card through HSBC Live Chat or Customer Service.
- Live Chat: Available daily from 9:00 AM to 6:00 PM via the HSBC website or through Online Banking by selecting the Chat tab.
- Hotline (Philippines): (02) 8858-0000 or (02) 7976-8000
- PLDT domestic toll-free: 1-800-1-888-8555
- Overseas: +(International Access Code) 800-100-85-800.
7. How to track HSBC credit card delivery
Once your credit card is approved, HSBC will deliver it to the mailing address on your account records. If delivery to the preferred address is unsuccessful, the bank may attempt delivery to another address listed in your profile.
HSBC’s accredited courier, Entrego, will send SMS notifications about the delivery status of your card, including when it is out for delivery or successfully delivered.
If you need updates or your card delivery is delayed, you can contact the HSBC Contact Centre at (02) 8858-0000 for assistance. In some cases, you may also request to pick up your card from an HSBC branch.
8. How to activate/deactivate your HSBC credit card
You can activate your HSBC credit card through the following methods:
- Via Hotline
Call (02) 8858-0000 or (02) 7976-8000 and follow the automated voice instructions. An SMS OTP will be sent to your registered mobile number to complete the activation. - Via SMS
Text the following using your registered mobile number and send to 09191603880:
HSBC LAST 4 DIGITS OF CARD LAST NAME BIRTH MONTH & YEAR
Example:HSBC 1234 DELA CRUZ JUN1985
9. Where to pay or settle my HSBC credit card bill
HSBC credit card bills can be paid through several convenient channels.
HSBC Channels
- HSBC Online Banking
- HSBC Mobile Banking App
Other Banking Apps
- Maya
- GCash
- BPI Online and Mobile Banking
- BDO Online and Mobile Banking
- Metrobank Online and Mobile Banking
- UnionBank Online and Mobile Banking
- Security Bank Online and Mobile Banking
Processing times vary by payment channel and may take 1 to 3 banking days for posting when using third-party payment partners. To avoid late payment fees, it’s best to pay your credit card bill a few days before the due date.
10. How does the HSBC Caltex rebate work
HSBC credit cardholders can enjoy savings on fuel through the Rebates Plus Rewards program at participating Caltex stations nationwide.
When you pay for your fuel using your HSBC credit card, you can earn a 3% rebate on Caltex purchases. The rebate applies to fuel transactions of up to ₱20,000 per calendar month, allowing you to receive rebates on your monthly fuel expenses.
Any fuel purchases beyond the ₱20,000 monthly cap will no longer earn the Caltex rebate for that month.
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