Overdrafts Available
Our range of overdraft, secured credit and clean credit options give you access to credit as and when you need it, helping you to keep your finances flexible. You can get overdraft protection too, to help you if your circumstances change.
Enjoy higher credit limits by securing a credit line against your assets.
Borrow up to HKD 5,000,000 as secured credit
Get extra stand-by cash and borrow up to HKD800,000 or 6 times your monthly basic salary, whichever is lower.
Borrow up to HKD800,000 or 6 times your monthly basic salary, whichever is lower
Exclusive to HSBC One customers, get extra money when you need it, giving you more spending power and increased flexibility.
Borrow up to HKD800,000 or 4 times your monthly basic salary, whichever is lower
An on-demand credit facility that gives Personal Integrated Account customers extra cash up to the value of HKD800,000 or 4 times your monthly basic salary, whichever is lower.
Borrow up to HKD800,000 or 4 times your monthly basic salary, whichever is lower
Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it. Cash withdrawals are easy thanks to a revolving credit line.
Borrow up to HKD800,000 or 4 times your monthly basic salary, whichever is lower
Overdraft protection
Get standby overdraft protection with a credit limit up to HKD20,000 for HSBC Premier customers and HKD5,000 for HSBC One and Personal Integrated Account customers.
Applicable to customers who have maintained at least three months' satisfactory credit record and a total of credit relationship of HKD40,000 for HSBC Premier customers and HKD10,000 for HSBC One and Personal Integrated Account customers in the previous calendar month. Prevailing Overdraft Protection interest rate and fees apply. For details, please refer to Overdraft Fees & Charges.
Related products
Personal Instalment Loan
If you need to borrow, a personal loan could help make your plans a reality.
Revolving Credit Facility
Use as much of your available credit as you need and only pay interest on what you use. Flexibility and no fixed monthly payments.
Consolidate your debts
Clear your debts faster using the Personal Instalment Loan Balance Consolidation Program.
Cash Instalment Plan
Extra cash and financial flexibility to realise your personal goals. Convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account.
Important information
To borrow or not to borrow? Borrow only if you can repay!