• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Get rewarded up to 4x faster
  • HSBC credit cardholders will get to enjoy exclusive deals and privileges


  • Enjoy Red Hot Deals that are frequently and only available for the users of the RED
  • 4x Rewards on Shopping


  • Gas up at participating Caltex stations and get a 10% rebate on your first transaction and 3% rebate all-year round


  • Earn Rate of 1 Bonus Point for every ₱10.00 spend on HSBC Red MasterCard for a minimum spend of ₱2,500.00 per month


  • Earn Rate of 1 Bonus Point for every ₱10.00 spend on HSBC Red MasterCard for a minimum spend of ₱2,500.00 per month


  • Earn Rate of 1 Bonus Point for every ₱10.00 spend on HSBC Red MasterCard for a minimum spend of ₱2,500.00 per month

Other Features

  • Accelerated Rewards
    • No minimum spend per month is required to earn Accelerated Rewards. A maximum accumulated monthly spend of ₱40,000.00, across all qualified merchant categories shall earn accelerated points.
  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants with flexible payment schemes of up to 36 months.
  • Home&Away Program
    • With Home&Away program, HSBC credit cardholders have the privilege to enjoy exclusive discounts and freebies all over the world, from over 27,000 outlets (160 countries and territories).
  • Auto Charge
    • With Auto charge, just enroll your monthly commitments and subscriptions and pay your bills with your credit card so you’ll never have to worry about forgetting to pay them.
  • HSBC Secure Pay
    • Get some peace of mind when you're shopping online with an added layer of security for your online purchases with password protection and personal message features powered by Verified by Visa and MasterCard® SecureCode™
  • Mobile Payments
    • Use your mobile phone to good use with Mobile Payments. By sending a single text message, you can access available credit, pay bills, and check on the amount you still owe HSBC with ease.

Card Information

Annual fee ₱1,200 (FREE Annual fee for the first year.)
Min. monthly income ₱16,667
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

15-65 years old

Fee for supplementary holder ₱600.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00 per card.

Sales Slip Retrieval Fee

₱275.00 per request.

Late payment charge

₱600.00 or 7.50% of outstanding amount, whichever is higher

Cash advance amount

30% of the credit limit

Cash advance charge

₱500.00 or 3.00% of amount drawn, whichever is higher

Cash advance interest charge

3.75% (inclusive of cash advance fee)

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Shopper’s Delight

Be a happy shopper with HSBC Red Credit Card. Designed with the avid shopper in mind, easily earn rewards as you receive 4x bonus points on shopping purchases at partner establishment, local or abroad. You can also take advantage of 0% installment plans to help you lighten up your expenses. Aside from these benefits, you also get exclusive offers at Rustan’s as well as 10% fuel rebate on first transaction and 3% fuel rebate all year at Caltex outlets.

Fees and Charges of HSBC Red Credit Card

Annual membership fee for both principal and supplementary cardholder is waived for the first year. Succeedingly, annual membership fee will be ₱1,200 for the principal cardholder and ₱600 for the supplementary cardholder. Interest charge is 3.5% per month and late payment charge is 7.5% of the minimum amount due or ₱600, whichever is higher.

Are you eligible for an HSBC Red Credit Card?

To be a principal cardholder, you have to be 21 years of age and above with a minimum monthly income of ₱17,000 and be a principal cardholder for another local bank for at least 12 months. To apply for a supplementary card, he/she should be at least 15 years of age.

Looking for other choices? We recommend to check out BDO Forever 21 Credit Card and BPI Ayala Malls Amore Credit Card, which are similar to what you're looking at.

If these are not the features you're interested in, you can also view more HSBC credit cards, and choose which card fits your requirement.