Credit Card User Guide

Credit Card User Guide (PDF)
	Understanding Your Credit Card Using Your HSBC Credit Card Getting Rewards Managing Your Accounts Payments Monthly Statement Change of Address Protect Your Card Lost Card Handling SecurePay (Verified by VISA) for Online Purchases via Online Purchases Supplementary Card

Understanding Your Credit Card

You are about to discover the exclusive privileges brought to you by HSBC Credit Cards. You'll have the freedom to live your life the way you want it, whether it is shopping, dinning, traveling or entertainment.

1. Your Credit Card number: This number is required for each transaction.
2. Worldwide acceptance: Your card is accepted at over 30 million locations around the world displaying the VISA logo.
3. Contact: Use this phone number to contact our 24/7 Customer Service
4. CVV2 Number: This number may be required when you make purchases over the phone and internet
5. Cash Advances: Withdraw cash from over 1 milion ATMs displaying VISA/PLUS logo

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Using Your HSBC Credit Card

Purchasing goods and services
At outlets
Your Credit Card is currently accepted at over 30 million merchants worldwide wherever a Visa logo is displayed. Simply present your HSBC Visa Credit Card when making a purchase or receiving service(s) provided by a Visa merchant. The merchant will request you to sign a sales slip which contains details of your Credit Card and the amount to be billed to your Credit Card. Please check that the correct amount is printed on the sales slip before signing it.
After you sign the sales slip, the merchant will verify your signature against your Credit Card and return a copy of the slip along with your card. Please ensure the card returned to you is yours and not a card belonging to another person.

Online
HSBC Credit Card can be used for online purchases at merchants which accept Visa Credit Cards. To minimize the risk of your card information getting misused during the online purchase process, we recommend you for our SecurePay Service through HSBC Internet Banking.

Accessing cash
You can access cash with your Credit Card and your Personal Identification Number (PIN). Cash advances of up to VND16 million per day are subject to your available cash advance limit. Cash advances can be made:
• At any HSBC ATMs or Techcombank ATMs in Vietnam
• At any HSBC ATMs located worldwide
• At any ATM or any bank displaying the VISA logo

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Getting Rewards

Reward Points
Through HSBC Rewards Programme, every VND 1,000 you spend earns you one reward point. Your accumulated points will be shown on your monthly Credit Card statement and can be redeemed for gifts or gift vouchers through our Internet Banking at Rewards Programme

From now on, beside redeeming your HSBC Credit Card Rewards points for gifts or shopping vouchers, you can donate your reward points to local charities which helps support disadvantaged children in Vietnam. Visit “Charity” section of the Online Rewards Catalogue to view details of the charities and select the charity and donation option.

home&Away Privilege Programme
HSBC's home&Away Privilege Programme brings you an exclusive range of special offers at 320 outlets in Vietnam and over 19,000 outlets in 40 countries worldwide. When using your HSBC Credit Card, you will receive instant discounts at selected outlets right at the spot, including shopping, entertainment, accommodation, travel, and more. To discover special offers and discounts, simply visit home&Away Privilege Programme

Mileage Programme
Simply redeem your HSBC Rewards points for airline miles on our partner travel award programme Asia MilesTM. With over 900 destinations to choose from, your accumulated miles can be redeemed for award tickets from 20 of our airline partners (including Cathay Pacific Airways, American Airlines, British Airways..) with many other lifestyle rewards. Let your HSBC Credit Card take you around the world for free by clicking Mileage Programme

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Managing Your Accounts

Internet Banking
Through HSBC Internet Banking, you can access and manage your HSBC Credit Card accounts anytime anywhere. After registering online, you can
• View balance and monitor transactions of your HSBC Credit Card and bank accounts at your convenience
• Make payments from your HSBC accounts easily and securely, 24/7
• Download and print out your monthly statement
• Manage your reward points and redemption
• Register for HSBC's secure online payment service (SecurePay)

Our Internet Banking is free, safe, simple and convenient. Simply register by following the 3 steps below:
1 Go to www.hsbc.com.vn and click on the "registration" button
2. Create your HSBC Internet Banking account
3. Select your accounts to be linked to HSBC Internet Banking

Security Device for accessing Internet Banking will be delivered to you shortly after registration.

PhoneBanking
HSBC PhoneBanking Service is convenient, reliable and one of the easiest ways to know your account information 24 hours a day, 7 days a week

Through HSBC PhoneBanking, you will be able to:
• Check your card account balance and recent transactions
• Transfer funds from your current or saving account at HSBC to your Credit Card account
• Request ATM PIN of your Credit Card
• Change Phone PIN
• Manage reward points and redemption
• Activate your new Credit Card
• Our PhoneBanking Service at (84 8) 37 247 247 is free and no registration is required

ATM
You can check the status and balance of your Credit Card account and other HSBC accounts at HSBC ATMs using your card and PIN

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Payments

Payment Amount
You may (i) settle your Credit Card account in full each month, (ii) pay the minimum amount due, or (iii) pay any amount ranging from the minimum amount due to the total amount due any time on or before the payment due date. Should you opt for paying less than the total amount due, the remaining amount due is carried forward to the next billing period and a finance charge will be applied.

Payment options
A Credit Card statement clearly listing the transactions you made during the previous month and the amount you should pay will be mailed to you every month. To ensure that you spend as little time as possible on paying bills, we offer you a variety of payment options. Simply choose the one that suits you best.

• Auto Debit
Make your card payment (for either the minimum amount due or the total amount due) directly by debiting your HSBC bank account every month. Simply fill out the Direct Debit Authorization form and mail it back to us. A confirmation letter will be sent to you when the service is successfully set up.

• Transfer Funds
You may transfer funds from your HSBC account(s) to your Credit Card account through one of the following services:
- HSBC Internet Banking at www.hsbc.com.vn
- HSBC PhoneBanking at (84 8) 37 247 247
- HSBC ATMs or techcombank ATMs in Vietnam.

• Cash Payment
You can make a cash payment to settle your Credit Card account at any HSBC branch during our service hours on weekdays.

• Via VNPost counters
You may settle your Credit Card account on cash via VNPost counters. It will take two (2) business woking days for HSBC to recognize your payment, a charge of 0.1% payment amount (minimum VND 20,000) will be applied and billed into your next statement. Kindly visit VNPost counters for details of VNPost outlet locations.

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Monthly statement
	1. Statement Date This is the date your monthly statement was generated. 2. Payment Due Date The date by which your payment (at least the minimum amount due) must be made to avoid charges. 3. Statement Balance The amount in which all transactions of the month are recorded together with the unpaid balance from the previous month. All foreign currency transactions will be converted to Vietnam Dong. 4. Minimum Payment Minimum amount you are required to pay. 5. Transaction Date The date when the transaction was made. 6. Post Date The date the transaction was posted to your card account. 7. Description of Transaction This section provides details of all payments, purchases, cash advances, and credits made during the statement period. 8. Amount This lists the transaction amount against each payment, purchase, cash advance or credit. All foreign currency transactions will be converted to Vietnam Dong. 9. Reward Points Programme: This section provides the total amount of reward points earned in the month, total reward points balance by the end of the month and rewards points to be expired by the expiry dates.
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Change of address

Click here to download Change Of Address And/Or Personal Information Instructions Form

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Protect your card

Steps To Keep Your Card Safe

• Sign your card on the signature panel as soon as you receive it
• Keep a note of your card number and file it in a safe place, separately from your card
• Keep your card in a secure place, and treat it as if it were cash
• Don't forget to take your card from the ATM after use
• Always complete the "total amount" on the sales slip with a currency sign before the number and don't leave space for extra figures
• Make sure your card is returned to you promptly after transactions
• Keep the copy of your sales slips and check them against your monthly statements

Security of your PIN

• Never keep a record of your Personal Identification Number (PIN). Instead, memorize it
• Do not let anyone use your card and do not disclose your PIN to anyone
• Don't choose obvious numbers for your PIN, such as ID card number or date of birth
• For extra security, change your PIN regularly at any HSBC ATM
• Make sure your PIN is protected from view when you use an ATM or any other electronic payment terminals. If you think someone has seen or knows your PIN, change it immediately

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Lost card handling

If your card has been lost or stolen, or if your PIN is disclosed to a third party, please report the incident immediately by calling our 24/7 Customer Service Hotline at (84 8) 37 247 247. If you are traveling overseas, please inform the nearest Visa centre as soon as possible. Please note that you are liable for all amounts debited to your Credit Card as a result of the unauthorized use of your card/PIN until you report loss, theft or disclosure of your card or PIN. If your card/PIN which has been reported lost or stolen is recovered, it must not be used again. Cut it up and return it to us.

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SecurePay (Verified by VISA) for Online Purchases via Online Purchases

HSBC's Verified by Visa provides extra security and peace of mind when shopping online with HSBC Credit Card

How it works?

• Create your password and personal message for SecurePay
• Shop online at participating merchants and pay with your HSBC Credit Card
• Verify that the authentication screen is genuine by checking that the personal message is the one you created at the time of registration.
• Enter your password to authenticate the transaction, and complete your online purchase
• This service is available at no additional cost. To register, all you need is your username, password from HSBC Internet Banking at www.hsbc.com.vn

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Supplementary Card

Your loved ones are an important part of your life. Now you can bring them the privileges you’re enjoying by issuing them an HSBC Supplementary card. The credit limit will be shared between the Primary and Supplementary cardholder(s). However, the monthly statement will list individual card expenditures. A Supplementary application form is enclosed in this welcome package if you wish to apply for one. For further application details, please call our 24/7 Customer Service Hotline at (84 8) 37 247 247.

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