HSBC Virtual Credit Card

HSBC HK
Credit Cards
Virtual Credit Card

Digital spending made easy

HSBC Virtual Credit Card brings your credit card into digital form. It gives you instant access to your card details via the HSBC HK App so you can start spending on the go.

Features

Digitised credit card details

Don't have your credit card with you? With the virtual credit card, you can easily access the digital version of your credit card and view your card details in the HSBC HK App. Shop online anytime, anywhere on the go.

Instant access via HSBC HK App

Start using your virtual credit card in the app instantly when your application via digital channels is approved, without needing to wait for the physical card.

Made for mobile wallets

Your HSBC Virtual Credit Card fits right into your mobile wallets, making all your online and in-store purchases faster and hassle-free.

Virtual and secure

Enjoy peace of mind as we safeguard your virtual card from potential fraud risk with these security measures in place:

Once you activate your virtual credit card, the cumulative spending amount is limited to HKD10,000 or the approved credit limit, whichever is lower.
If you don't activate your physical credit card within 14 days of your virtual credit card activation, both the virtual and physical credit card will be suspended after the 14-day period.

How to activate your virtual credit card

Follow these steps to activate your virtual credit card after your application is approved:

Step 1

Log on to the HSBC HK App. On the 'Home' screen, tap on the credit card you wish to activate.

Step 2

Tap on ‘View more' and select 'Manage credit card'.

Step 3

Go to 'Card details'.

Step 4

Select 'Activate your virtual card now' and follow the on-screen instructions to complete the activation.

How to access your virtual credit card

Step 1

Log on to the HSBC HK App. Select the credit card on 'Home'.

Step 2

Tap on 'View more' and select 'Manage credit card'.

Step 3

On this screen, you can add the card to your mobile wallets.

Step 4

Go to 'Card details' to view your credit card information.

Things you should know

How to get an HSBC credit card

Not yet an HSBC credit card cardholder? Apply now to experience hassle-free virtual credit card services.

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Frequently asked questions

No, as an existing cardholder, the virtual credit card feature is automatically enabled in your HSBC HK App. As long as you have activated your physical credit card(s), you can enjoy the virtual credit card features and benefits.

Yes, new cardholders need to activate their virtual credit card before they can start shopping right after it is approved, even before the physical card arrives. Please refer to the step-by-step guide in the 'How to activate your virtual credit card' section for more details.

Yes, when your physical credit card arrives, you need to activate it within 14 days of activating your virtual credit card. Otherwise, your total spending limit will be capped at HKD10,000 or your approved credit limit, whichever is lower. Both your physical and virtual credit card will be also suspended after the 14-day period.

Yes, once your virtual card has been activated, you can manually input the virtual card information in the HSBC HK Reward+ app to register for credit card promotions.