• Min. Monthly Income

    ₱13,500.00

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱2,500.00

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Feature Highlights
  • Get 5% cash back for all dining spends
  • Get 0.5% cash back for all other spends
Dining
9/10
Gas
9/10
Shopping
7/10
Groceries
6/10
Utilities
6/10

Dining

  • Get 5% cash back for all dining spends

Gas

  • Get 10% rebate on your first Caltex fuel purchase plus 3% rebate all year round

Shopping

  • Get 0.5% cash back for all your shopping spends

Groceries

  • Get 0.5% cash back for all your groceries spends

Utilities

  • Get 0.5% cash back for all spends on utlities

Other Features

  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants with flexible payment schemes of up to 36 months.
  • Home&Away Program
    • A privilege program offered to all HSBC credit cardholders boasting 27,000 outlets all over the world (160 countries and territories) where you can enjoy freebies and discounts.
  • Auto Charge
    • Never worry about forgetting to pay your bills. Enroll your monthly subscriptions and commitments and auto charge it into your credit card.
  • 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 phone anytime to view the amount you need to pay, as well as accessing available credit and paying your bills, all with a single text message.

Card Information

Annual fee ₱2,500.00
Min. monthly income ₱13,500.00
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 ₱1,250.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Driver's License, NBI Clearance, Passport, Postal ID, PRC ID, SSS or Unified Multi-Purpose ID
Card Replacement Fee

₱400.00 per card.
Sales Slip Retrieval Fee

₱275.00 per request.
Late payment charge

₱700.00 or unpaid minimum amount due, whichever is lower
Cash advance amount

30% of the credit limit
Cash advance charge

₱500.00 or 3.00% of outstanding amount, whichever is higher
Cash advance interest charge

3.75% (inclusive of cash advance fee)
Cashback limit

N/A
Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

The Gold Standard

Having an HSBC Gold Visa Cash Back Credit Card will get you rewarded up to 3x faster as you receive 3 Bonus Points for every ₱20 you spend on local shopping & dining. You can also take advantage of exclusive perks and promotions at over 27,000 partner stores in 160 countries local and abroad. Get to save up on fuel as well as you get 10% rebate on your first Caltex fuel purchase plus 3% rebate all year round. Start living the good life with HSBC Gold Visa Cash Back Credit Card.

Fees and Charges of HSBC Gold Visa Cash Back Credit Card

Both principal and supplementary cardholders will enjoy free annual membership fee for the first year. Succeedingly, annual membership fee will be ₱2,500 for the principal cardholder and ₱1,250 for the supplementary cardholder. The monthly interest charge will be 3.5% and late payment fee is ₱700.00 or unpaid minimum amount due, whichever is lower.

Are you eligible for an HSBC Gold Visa Cash Back Credit Card?

To apply as a principal cardholder, you must have ₱13,500 (Metro Manila employees) or ₱15,000 (Metro Cebu or Metro Davao employees) minimum monthly income and aged 21 years and above. Another requirement is to have another locally-issued primary credit card in good standing for at least 12 months with credit limit of at least ₱20,000. You should not be an existing HSBC credit cardholder as well and must not have a pending application with HSBC within the last 6 months. Supplementary cardholders should be at least 15 years of age.

If you want other options, we recommend that you also check out Security Bank Gold Credit Card and RCBC Gold Credit Card, which have similar features.

Still considering other benefits? You might also want to take a look at our list of HSBC credit card application requirements to make the process as smooth as possible should you decide to proceed with the next step.