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Woman holding mobile device and smiling; image used for using your credit card

Using your credit card

Make the most out of your credit card with our mobile apps, offers and services.
notification

We care about keeping your money safe, so if we see a suspicious transaction on your credit card, we'll send you an SMS alert. If you receive one, just answer 'Y' or 'Yes' if you made the payment or 'N' or 'No' if you didn't. Take a look at our Credit Cards Frequently Asked Questions for more information.

Credit Card Guides

Activate your card

 

A simple guide on how to activate your new HSBC credit card.

Report a lost card

 

Temporarily block your card, and tell us about a lost card so we can help.

Transaction disputes

 

Find out how we can help you with merchant disputes or unknown payments.

Credit card limit transfer

 

Make the best use of your credit card limit – move it between cards without having to provide supporting documents.

Credit limit change

 

Change your credit limit in a few simple steps.

Credit card rewards and offers

Red Hot offers

 
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Browse the latest Red Hot offers on shopping, dining, travel and more.

T&Cs apply.

RewardCash

 
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Discover all the ways you can earn and burn your RewardCash.

T&Cs apply.

RewardCash eShop

Redeem your RewardCash for shopping vouchers and our hot picks merchandise through the HSBC Reward+ app.

T&Cs apply.

Manage your credit card spending

Spending Instalment Plan

 

Settle your credit card balance or unbilled purchases with manageable monthly payments.

No supporting documents required. T&Cs apply. To borrow or not to borrow? Borrow only if you can repay!

Cash Instalment Plan

 

Convert your available credit limit into cash, or transfer your outstanding balance to your HSBC credit card to settle payments under one monthly instalment plan.

T&Cs apply. To borrow or not to borrow? Borrow only if you can repay!

Cash Advance

 

Withdraw cash from your HSBC credit card through ATMs or branch counters to meet your immediate needs.

T&Cs apply. To borrow or not to borrow? Borrow only if you can repay!

Interest-free Merchant Instalment Plan

 

Shop at 2000+ merchants and pay your purchases through interest-free monthly instalments.

T&Cs apply. To borrow or not to borrow? Borrow only if you can repay!

Credit card repayment calculator

 

A simple way to calculate your total credit card repayment if only partial or minimum repayments are scheduled. 

Credit card features

HSBC Reward+ mobile app

 

A dedicated app to use your RewardCash, browse the latest offers and manage payments on the go.

T&Cs apply.

HSBC HK Mobile Banking app

 

Manage your spending and pay your credit card bills on time.

T&Cs apply.

Octopus auto top-up

 
Connect your credit card to automatically reload your Octopus, and earn RewardCash every time.

T&Cs apply.

Mobile payments

 

Use Apple Pay, Google Pay or Samsung Pay for your purchases and payments.

T&Cs apply.

HSBC Virtual Credit Card

 

Bring your credit card into digital form. Instant access to your card details via the HSBC HK App so you can start spending on the go.

Note: 

Apple, the Apple logo, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered or in the process of being registered in the US and other countries. App Store is a service mark of Apple Inc. 

Google Play and the Google Play logo are trademarks of Google LLC. Android is a trademark of Google LLC. 

To borrow or not to borrow? Borrow only what you can repay.