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The HSBC Gold Visa Cash Back Credit Card is designed for those who enjoy dining out, offering a generous 5% cash back on dining transactions. Additionally, cardholders earn 0.50% cash back on all other expenditures, enhancing savings with every purchase​​.

This card is a solid choice for individuals with an existing locally-issued primary credit card held for at least six months and a minimum annual income of PHP200,000. With the HSBC Gold Visa, not only do you save more, but you also have the opportunity to enjoy a special sign-up offer: a complimentary piece of Rudy Project luggage, subject to terms and conditions​.

Benefits of the HSBC Gold Visa Cash Back Credit Card

The HSBC Gold Visa Cash Back Credit Card comes with a good selection of benefits designed to provide value and convenience to its holders. Below, we list the most valuable ones:

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5% Cash Back on Dining

The card encourages a delightful dining experience by offering a substantial 5% cash back on dining transactions. This benefit is not seasonal but available year-round, making every meal out a bit more rewarding.

0.5% Cash Back on Other Spend

Beyond dining, every other purchase made with this card earns a 0.5% cash back, promoting savings on daily spending, be it groceries, fuel, or online shopping.

Monthly Cash Back Crediting

The cash back earned is credited to the cardholder’s account monthly, simplifying savings management and providing a regular rebate on expenditures.

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Special Sign-Up Offer

New cardholders are welcomed with a special sign-up offer: a complimentary piece of Rudy Project luggage. This offer is a value-added perk for individuals who love travel and adventure.

Accessible Eligibility

The eligibility criteria for this card are straightforward. With a minimum annual income requirement of PHP200,000 and the need for an existing locally-issued primary credit card held for at least six months, many can easily qualify.

Seamless Online Application

The online application process for the HSBC Gold Visa is designed to be hassle-free and user-friendly, facilitating a smooth onboarding experience for new cardholders​​.

HSBC Gold Visa Cash Back Credit Card Other Important Features

Special access to travel opportunities

With the home&Away Privilege Programme from HSBC, you may receive benefits at more than 27,000 locations across 160 countries/regions and territories around the world.The home&Away Privilege Programme offered by HSBC This link will open a new tab or window in your browser.

Annual Fee Waiver

Take advantage of not having to pay the annual fee for the first year.

Electronic statement

Receive electronic versions of your monthly credit card statements from HSBC. 

Charge up automatically

You can avoid forgetting to pay your bills entirely by enrolling in the Autocharge service offered by HSBC. This service will automatically charge your payments to your credit card.

Card Prepayment

You can withdraw money from an ATM either here in the United States or anywhere else in the world using your credit card. 

Access to banking via online banking and mobile banking

You can easily keep track of your accounts and pay your bills regardless of where you are or when you do it. 

Prerequisites to Obtain the HSBC Gold Visa Cash Back Credit Card

To apply for the HSBC Gold Visa Cash Back Credit Card, the following prerequisites must be met:

  • Existing Credit Card: Applicants should have a locally-issued primary credit card owned for at least six months prior to applying.
  • Minimum Annual Income: A minimum annual income of PHP200,000 is required to be eligible for this card​.

Documents Required for the Applicant

  • Identity Proof: Provide one document like a Passport, Driver’s License, or SSS/TIN ID along with NBI Clearance or Voter’s ID.
  • Residence Proof: Show a valid ID with your address or a recent utility bill (electricity, phone, or cable TV) from the last 3 months.

About HSBC Financial Institution

HSBC, one of the world’s largest banking and financial services organizations, has a rich history dating back to 1865. With a global reach spanning 62 countries, it serves approximately 39 million customers through various financial services. In the Philippines, HSBC has been a trusted financial partner for over 140 years, with branches in key cities like Metro Manila, Cebu, and Davao. The bank’s mission is to open up a world of opportunity for its customers by leveraging its unique expertise and global network​.

HSBC provides a broad range of services in the Philippines including Wealth and Personal Banking, Commercial Banking, and Global Banking & Markets. Their diversified offerings cater to individual banking needs, support business operations, and facilitate global financial engagements, making them a comprehensive financial partner in the region.

Who is the HSBC Gold Visa Cash Back Credit Card For?

The HSBC Gold Visa Cash Back Credit Card is ideal for individuals who enjoy dining out and are looking to earn cash back on their spending. The card’s straightforward eligibility criteria make it accessible for those with an existing locally-issued primary credit card and a minimum annual income of PHP200,000. It’s a great fit for individuals who prefer a simple rewards structure and value cash back on their purchases, especially on dining transactions​.

How to Apply for an HSBC Gold Visa Cash Back Credit Card?

You may submit an application for an HSBC Credit Card either online (you can get more information about HSBC credit cards here) or in person at an HSBC location that is convenient for you. 

APPLY TO HSBC GOLD VISA CASH BACK CREDIT CARD HERE

Positives and Negatives of the HSBC Gold Visa Cash Back Credit Card

Below is a table summarizing the pros and cons of the HSBC Gold Visa Cash Back Credit Card based on the information gathered:

Pros

  • 5% Cash Back Rewards on dining transactions
  • 0.5% Cash Back Rewards on all other transactions
  • 3% rebate on Caltex fuel purchases
  • Complimentary piece of Rudy Project luggage on sign-up (At the time of writing – October 2023)
  • Receive electronic versions of your monthly credit

Cons

  • PHP 2,500 Annual fee after the first year for the primary cardholder (PHP 1,250 for the secondary cardholder)
  • 3.5% monthly interest rate
  • 3.5% monthly interest rate
  • Existing locally-issued primary credit card for at least 6 months required​

Despite the attractive cash back rewards and special rebates, prospective cardholders should consider the interest rate and evaluate their eligibility before applying for the HSBC Gold Visa Cash Back Credit Card.

How to Activate the HSBC Gold Visa Cash Back Credit Card

Here’s a simple yet detailed explanation of how to activate the card:

  1. By Phone:
    • Call (02)8858-0000 or (02)7976-8000.
    • Follow the voice instructions.
    • An OTP (One-Time Password) will be sent to your phone to complete the process.
  2. By SMS

Note: SMS charges apply.

HSBC Gold Visa Cash Back Credit Card Fees and Tariffs

Finance charges:

The nominal interest rate for each month is 3% per month.
The effective rate of interest charged each month is 2.89 percent.
The nominal interest rate for cash advances paid monthly is 3% every month.
The effective interest rate that is charged on cash advances per month is 3.04%.

The first year after the date your card was issued, the annual fee that normally applies to your account will not be charged. The following will constitute the annual fee beginning with the second year:

  • Primary Card Value: 2,500 PHP
  • The price of a Supplementary Card is 1,250 PHP.

Contact HSBC Gold Visa Cash Back Credit Card Customer Service

To contact HSBC in the Philippines for support, you have several options:

  • Phone:

Local: (02) 8858-0000 or (02) 7976-8000

Toll-free: +1-800-1-888-4722 (PLDT landlines outside Metro Manila) or 800-100-85-808 (International)​​.

  • Online Chat:

Use the chat icon on HSBC Philippines website​.

  • Branch Visit:

Use HSBC branch finder on their website to find the nearest branch​.

  • Hotline:

Available 24/7: (02) 8858-0000 or (02)7976-8000​​.