There's only one HSBC secured card, the Secured MasterCard, but you can no longer apply for it. Sure, HSBC mails pre-approved credit card offers to potential applicants whose basic credit profiles indicate they will have a very good chance of getting approved. Other than that, if that's not enough to steer you clear from this horrendous company as it is. What's the best HSBC credit card for bad credit? There’s no way to proactively check if you pre-qualify for an HSBC credit card. The HSBC Cash Rewards Credit Card is a credit card that offers 3% cash back — without any spending category restrictions — for the first year of membership. What is the HSBC foreign transaction fee? HSBC Credit Card Reviews Click here if this is your business. Getting customer service help is like getting a root canal and half the time, you can't understand a word they're saying which is a complete waste of time especially for a customer like myself getting angry. You can pay your HSBC credit card bill online, over the phone, or through the mail. That said, credit card points can be devalued by the card issuer at any time, so it’s best to redeem them often. You can't pay your bill from their app. Subject to approval. This is not only unethical on both these businesses' parts but it's ILLEGAL. Please allow seven to ten working days for the processing of completed credit limit review forms and documents. What bank rule exist that you can’t pay a couple of days before the due date? All are superior banks and products. Here’s how to (pre) qualify for an HSBC credit card: You can check your latest credit score for free on WalletHub. Lyft Credit - Take five rides per month and receive a $10 Lyft Credit (in app). Earn 3 points on dining and select entertainment purchases and 2 points on all other purchases (up to $25,000) in the first year. This HSBC Credit Card review will reveal the best credit cards available from this bank. How can I reach the HSBC credit card customer service? We take a look at what these 3 credit cards have to offer, and see how they compare to each other. I operate a number of other utilities and cards and all a near perfect. Review our detailed research on HSBC Visa Platinum credit card to determine if it's the right card for you. We encourage everyone to share their knowledge while respecting our content guidelines. About a month later, my HSBC statement came in and, lo and behold, there was the $140 Bluehost charge on it. Credit Card Review: Premier Credit Card From HSBC UK. The best HSBC credit card signup bonus belongs to the Premier World Elite Mastercard Credit Card. It is extremely difficult to setup autopay, or to even find the place to pay your bill at all. I admit that deleting the confirmation email I was sent is my fault, and that's on me. May 10, 2019. Don't forget to activate your credit card before registering. Talk about adding insult to injury. Your credit limit for a HSBC credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. HSBC credit card rewards are points or “Cash Rewards” units that can be redeemed for cash back, gift cards, travel, or charitable donations, depending on which credit card you have. You can compare the latest credit cards from HSBC below. I’ve been asked to review the HSBC Credit cards for couple of years now but i had always postponed it as i thought HSBC would go out of business. But email or no email, I'm still being charged for something I've never received. And HSBC is just as guilty as Bluehost, in my opinion, for allowing this to happen. And Bluehost sent me a confirmation email (which I, regrettably, deleted) that stated my subscription was cancelled and my account was closed. Also this bank is involved with many frauds which also have lead many other people to switch banks and also put this bank out of business. Actual terms may vary. You can apply for this card with fair (640+) credit or limited credit history. To get your HSBC credit card login info, you have to register for online banking via the HSBC site. Thank goodness I switched to another bank that treats its' customers with the proper service they deserve. Please let us know if you notice any differences. To apply for this card, you must have an existing U.S. HSBC Premier checking account relationship. Need a more rewarding credit card? This (And, only this card) has been the WORST CARD I have ever signed up for. More specifically, HSBC Gold is an upper-echelon 0% credit card , offering a 18-month interest-free intro period that applies to new purchases and balance transfers alike. How ridiculous. If you wish to increase or decrease your credit limit, HSBC says you can request to do so through online banking, by phone or in person at a HSBC branch. A fraudulent credit card that was issued under my name by somebody else remains "open" status on Equifax after 2.5 years!! When you pay off your balance they hold your payment for something like 15 days before applying it to your account. Earn 3 Points per $1 spent on new travel purchases; 2 Points per $1 spent on dining; 1 Point on all other net purchases. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. HSBC Visa Platinum Credit Card Review (India) By Siddharth | February 6, 2019. And as far as HSBC goes. If I could give a lower score I would. This post contains references to products from one or more of our advertisers. I’ve toyed with the idea of writing a review of the HSBC Premier credit card for some time now. Travel Benefits: MasterRental Coverage, Mastercard Airport Concierge and $1 Million Travel Accident Insurance. HSBC credit card rewards points are worth around 1 cent each, but it can vary based on how you redeem them. It earned a below-average rating. The HSBC credit card offers available right now have $0 foreign transaction fees and annual fees ranging from $0 to $395, and most give at least 1 point per $1 spent on purchases. For more information about reviews on ConsumerAffairs.com please visit our All Rights Reserved. If you choose this method of contact, remember not to disclose any personal information! . But they refuse to close my account now too until my card balance is paid. My account is still showing the charge, and I have spent hours on the phone with their reps in India & the Philippines (and who knows where else) trying to get this resolved. 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay. Worst bank/credit card experience I have ever had. Thank you, you have successfully subscribed to our newsletter! Receive up to $12 per month cashback on your Spotify subscription fee for 3 months, plus up to 30% cashback on your next DoorDash order. After verifying your identity, you will create a log on username and password. HSBC is the worst credit card that I have owned. Find out more about the HSBC Credit Card by reading our trusted Smart Money People reviews. Some HSBC cards give extra points for different categories of spending, such as travel or dining, while others give a flat rate for all purchases. The prompts will then guide you through the process of making a payment on your HSBC credit card. While there are other cards that earn more cash back on … If your credit is bad and you're searching for a credit card, click here to find the best ones available. It has no rewards, and the benefits are very basic. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Mastercard Travel & Lifestyle Services, Mastercard Airport Concierge and MasterRental® Coverage. : ', '}}. † Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Read 107 customer reviews of the HSBC Credit Card & compare with other Credit Cards at Review Centre. Not only are they useless when it comes to protecting their customers from bogus charges. The HSBC Premier World Mastercard offers a good middle ground between points-earning potential and annual fees. Receive accidental death or dismemberment coverage of up to $1,000,000 when traveling. Identity Fraud Expense Reimbursement, Cellular Wireless Telephone Protection and Mastercard ID Theft Protection. It is, as far as I could tell, nearly impossible. However, live customer service chat is available 24/7, and cardholders have access to their free FICO credit score. Despite an ongoing review of the matter, they have lodged a number of late payment records on this account and singlehandedly destroyed my credit rating. The issue has been "escalated" twice, but the money is still being charged to me. Have sent them repeated feedbacks and e mails and phone calls but their app is still the same old cumbersome process. The best HSBC rewards credit card is the HSBC Premier World Credit Card. And the points don’t expire. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. And if I had the resources I'd hire an attorney for sure. Up to $400 in Travel Credits when you book your travel through HSBC Travel. You can do it here or through your HSBC Mobile App. Box 4657 / Carol Stream, IL 60197-5255. I finally filed a complaint with the federal Consumer Financial Protection Bureau. The HSBC Premier World Elite Mastercard credit card is not one of our top-rated travel credit cards. HSBC Bank - Read unbiased reviews of HSBC Bank, rated 1.7 out of 5 stars by 96 users. But since I don't, all I can do is pay the $140 and receive absolutely nothing for it. Consider yourselves warned. The likelihood is that few regular readers will meet the tough qualification criteria and even if they did the benefits of the HSBC Premier MasterCard UK are limited in comparison to other free cards … HSBC should close down its Horror shop and no wonder why this bank is in such a horrible fiscal shape. A monthly maintenance fee of $50 will be incurred if minimum balance requirements ($75,000 in combined U.S. personal deposit and investment balances) are not maintained. Currently, HSBC offers credit cards mostly for people with good or excellent credit scores. WalletHub makes it easy to find the best HSBC credit card for you. This is our review of the HSBC Premier World Elite Mastercard credit card. So barely meeting a card’s minimum requirements may not cut it. Ultimately, you could contact the HSBC customer service via mail at: HSBC Customer Service AddressHSBC Bank USA, N.A.P.O. Disclaimer The information, included card rates and fees, present in the review is accurate as of the date of the review. With your HSBC Cashback Credit Card, you get some additional benefits, such as: Contactless Payment-HSBC Cashback credit card is enabled with Visa Paywave technology which lets you make payments up to Rs. Membership to a network of 1000+ airport lounges, plus two free lounge visits per year. THE WORST EXPERIENCE. When you go to the website to pay, the system looks like its from 1999. While HSBC issues a variety of credit cards for HSBC banking clients, they only offer 3 HSBC Mastercards that anyone can apply for online. Our team analyzed over 100 credit cards in Singapore, and considered what differentiates this card in … We value your privacy. But if you have good to excellent credit, applying for an HSBC card might be worth a shot. This way, you can ensure you’ll get the best deal. Unfortunately, that’s hard to estimate because HSBC doesn’t disclosure its cards’ minimum credit limits. Complimentary ShopRunner membership, Mastercard ID Theft Protection, Identity Fraud Expense Reimbursement and Cellular Wireless Protection. Earn 2 Rewards Program Points on travel; 1 Point on all other purchases with no cap and no expiration. Monthly maintenance fee of $50 will be incurred if minimum balance requirements ($75,000 in combined U.S. personal deposit and investment balances) are not met. How do I know if I pre-qualify for an HSBC credit card? Redeem Rewards Program Points for popular gift cards, merchandise, travel and cash back. HSBC is charging me thousands of $$ plus fees for a balance transfer that was not made! HSBC is a British banking company, although it is one of the most multinational brands on the planet. A link has directed you to this review. The item I purchased "interest free" was paid off more than 18 months ago and they have continued to levy fees and charges. Paying your HSBC credit card online is the easiest way to pay. No rewards: The HSBC Gold Mastercard® credit card lacks any kind of rewards program, so your spending won't bring you any closer to cash back or discounted travel. 0% Intro APR on balance transfers posted within 60 days of account opening. Do you think the average consumer would recognize that these are two distinct credit card offers (and is that good/bad for consumers/HSBC): HSBC Premier World Mastercard and HSBC Premier World Elite Mastercard. DO NOT GO NEAR these people as they will damage your ability to do business and not give a damn. The only exception is the HSBC Cash Rewards Mastercard Student Account. It is part of our series of articles looking at the major UK loyalty credit cards and discussing whether or not they are worth applying for. The only redeemable thing about HSBC is the CS agents themselves, as they were always very polite and always tried to do what they could with what limited resources they're given. The HSBC Rewards Credit Card doesn't discriminate when it comes to its points programme, with one point awarded for every £5 of eligible spend. These articles are linked to the relevant sections of the ‘Credit Card … it’s less than good, you will need to consider credit cards from other issuers. Quick and secure mobile purchases with Google Pay™, Apple Pay™ and Samsung Pay™. To help close the knowledge gap, we asked a panel of experts to answer the following questions. 84 Comments. Most people are not quite as familiar with HSBC credit cards as cards from other major issuers. 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