"Discover" displays all the latest offers and promotions of HSBC credit cards as well as offers and promotions exclusive to Reward+. Yes, you can add your card to your compatible device to use Google Pay. An Overdraft Transaction Fee of either $10 or 5%, whichever is greater, will apply on the overdraft amount, if applicable. However, internet access is required during setup or to refresh the information of your past transactions. How are credit card finance charges and late charges calculated? Call us as soon as you notice the card is gone. Yes. For HSBC Pulse UnionPay Dual Currency Diamond Card, HSBC UnionPay Dual Currency Credit Card, HSBC Gold MasterCard and HSBC MasterCard, contactless payment function will be enabled from 30 June 2019 onwards. Samsung Pay can only work on device which is not rooted. Yes, so if you have setup an autoPay instruction but at the same time repay your credit card statement balance using other means, you can contact us at least 1 working day (for HSBC payment account) or 2 working days (for non HSBC payment account) for further arrangement. Call HSBC on immediately. It will not affect the application process if you mistyped the application reference number. What are the types of statements and transactions that I can choose to pay with RC displayed? No credit will be issued for any supplementary card fees on your account. We will pool the soonest  expired RC from all your cards (including your primary cards and any additional cards issued by you) and the system will auto-fill the RC  amount to match the outstanding statement balance or a transaction based on your total available RC. For example, if your latest statement balance is HK$1000, after you make a cash payment of HK$500 and a Pay with RC offset of 300 RC, the amount due will be HK$200. Can I keep using Google Pay if I cancel my linked HSBC plastic card? The Bank will also debit to the Hong Kong dollar sub-account a fee of 1% of the card transaction charged by the Bank. No, you cannot cancel the document upload while it is in progress. What is the difference? Once we receive your application and supporting documents, we'll process your application within six working days. We will follow up on the case and will notify you when there is any update. Despite no interest being charged, there is personalised monthly handling fee for Spending Instalment Plan. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual card numbers are never shared by Apple with merchants or transmitted with payment. If you choose to settle in the foreign currency, the Hong Kong dollars (for a Hong Kong dollar card) or US dollars (for a US dollar card) equivalent amount will be billed after a currency conversion at a rate of exchange determined by reference to the exchange rate adopted by Visa/MasterCard on the date of conversion. Your Apple Pay will be cancelled together with the plastic card. Yes, all registered and saved promotions under "All Favourites" will be removed after the end of the promotion period. For transactions conducted using NFC technology, the limit depends on the setting of the contactless terminal. Upload supporting documents for a credit card application. For UnionPay Dual Currency Card and HSBC Pulse UnionPay Dual Currency Diamond Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. This is on top of the 1% charged by Visa/Mastercard, so your total transaction cost will be 2.8%. All other outstanding credit card balance including card purchases and cash advances will be subject to the interest rates and finance charges as set out in the Tariff Guide. * The outstanding balance of HKD20,000 is accrued from purchase only. To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s biometric credentials in your device, or else they might be able to make transactions without your authorization. While upload is in progress, your Personal Internet Banking session will not affect the upload process. If your device is turned off or does not connected to a mobile or Wi-Fi network, the action will be processed once it is online again. payment due OR min. The service helps make applications easier by allowing you to submit your supporting documents 24 hours a day, 7 days a week through the website or Personal Internet Banking. To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s fingerprint or biometric credentials in your device, or else they might be able to make transactions without your authorization. Choose your device and add your HSBC credit card to Google Pay app to make transactions with your Android device in stores or in app. However, internet access is required during setup or to refresh the information of your past transactions. Also, you may refer to Visa/ MasterCard/ UnionPay webpage for an up-to-date list of contactless payment merchants. If you do not have a valid mobile phone number in our record, you would not be able to make online transactions with your HSBC Credit Card at online merchants participating in Verified by Visa or Mastercard SecureCode program. If you choose to settle in the currency of the credit card, then the amount appearing on the transaction slip will be billed to your card account. We always round down the RewardCash amount so that it equals to or is always less than the outstanding statement balance or the transaction amount. If you have any difficulty in repaying any amount outstanding under the Cash Credit Plan, you should notify us as soon as possible. This is to ensure that in case your credit card information is pilfered illegally, any unauthorised parties will not be able to receive your OTP to use your credit card for any transactions. Transaction fee for cash advances against your credit card account at branches and ATMs. 3) Use the one-time verification code for authentication and your HSBC card is ready to use with Google Pay. For HSBC Pulse UnionPay Dual Currency Diamond Card and UnionPay Dual Currency Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. Apply online and enjoy exclusive benefits on card rewards, air miles and welcome offers. Secure systems and software: Use the latest versions of operating system, Internet banking App and web browser. I have changed my password. No. Can I use Samsung Pay with a rooted device? What are the system requirements for the Online Document Submission Service? No, your Apple Pay and your HSBC plastic card share the same card account. If a statement or transaction amount is not a whole number, you may not be able to fully pay the statement or transaction. Currently using HSBC and am having to pay HK$8 for every US$1 I spend on my credit card. If my Personal Internet Banking session has timed out and logged off automatically while upload is in progress, what should I do? Which HSBC credit card can I use to apply for Google Pay? 0.125% on each transaction (min $1.25) Disclosure. Example 1 - full offset (no RC round down) - Transaction amount: HK$50.4 - Promotional Redemption rate: 1RC = HK$1.2 - RewardCash required for full offset: 42RC - HKD equivalent using promotional redemption rate: HK$1.2 x42RC=HK$50.4 - Outstanding amount after offset: HK$50.4 - HK$50.4=HK$0   Example 2 - full offset (after RC round down) - Transaction amount: HK$20 - Redemption rate: 1RC = HK$1.2 - RewardCash required for full offset: 16.67RC - RewardCash used: 16RC  (round down from 16.67RC) - HKD equivalent using promotional redemption rate: HK$1.2x16RC=HK$19.2 - Outstanding amount after offset: HK$20 - HK$19.2=HK$0.8 Example 3 - partial offset (RC balance = 11) - Transaction amount: HK$20 - Redemption rate: 1RC = HK$1.2 - RewardCash available for partial offset: 11RC -  HKD equivalent using promotional redemption rate: HK$1.2 x 11RC =HK$13.2 - Outstanding amount after offset: HK$20 - HK$13.2=HK$6.8. 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