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Understanding that this document might not be the most convenient option in certain scenarios, HSBC offers an alternative solution for our customers: zero income proof credit cards.
Normally, a credit card application requires you to provide complete personal information, of which proof of income is the most important, and a basic necessity for opening a credit card.
Specifically, HSBC will ask you for bank statements showing your last 3 months of salary (or 6 months for salary with commission) if you're a salaried employee. Also, your minimum monthly net income should be VND8 million for Vietnamese customers and VND15 million for foreign customers.
Moreover, banks have different policies for customers who want to open a credit card without proof of income.
Find out more: What do I need to apply for an HSBC credit card online?
Discover 2 simple ways to open HSBC credit cards without proof of income.
At HSBC, you can open a credit card with credit limit up to VND1 billion without proof of income by becoming our exclusive HSBC Premier customer and securing your credit cards by Time Deposit in VND.
Eligibility
To apply for HSBC credit cards without proof of income, you must:
Apply for an HSBC Live+ credit card online to receive a cashback offer worth up to VND2 million today!
Already an HSBC credit cardholder? Discover our latest credit card articles.
To be eligible for the card, a minimum income of VND 9 million paid through a bank account is required.
As an HSBC credit cardholder, you can give up to 4 supplementary credit cards to immediate family members. This includes your spouse, children, parents and siblings.
You can apply for an HSBC supplementary credit card at the same time as the primary card or after the primary card is issued. Supplementary cards have the following benefits:
Eligibility
If you want to apply for a supplementary credit card at HSBC, you must be:
If you're a foreigner, you need to have had a residence permit in Vietnam for at least 12 consecutive months when applying.
Apply quickly so you don't miss HSBC's cashback offer worth up to VND3.7 million!
You would save much time when going to our branches for opening account and making deposits.
Join today to enjoy our exclusive latest offers from HSBC Premier! Simply leave your details. Our Premier team will get in touch with you to help out with your needs.
If you are an existing HSBC Premier customer, contact your dedicated Premier Relationship Manager for credit card application support.
Read the fees and charges for Premier customers for more details.
For the supplementary credit card, you can register for it at the same time as the primary card or after the primary card has been issued by following these steps:
Apply for a supplementary credit card after the primary credit card has been issued
Apply for a primary credit card and a supplementary credit card at the same time
Method 1: Complete and submit the full credit card application online with details of the supplementary cardholder in the Supplementary Credit Card Registration section.
Find out more: How to apply for an HSBC credit card online
Method 2:
We hope the article helps you to understand about applying for a credit card without proof of income. Remember that whether it's a regular credit card or a credit card that doesn't require proof of income, it's important to understand the fees, benefits, and to determine which is the best option for you.
For the HSBC supplementary credit card, the primary cardholder will incur an additional annual fee for the supplementary card. This annual fee will vary from year two onwards depending on the type of credit card. Interest rates and late payment fees for HSBC supplementary credit cards are the same as for primary cards and paying the credit card balance will be the responsibility of the primary cardholder.
This article is for reference only. For the latest HSBC product policies, please visit our product pages from the Homepage.
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