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How to apply for an HSBC credit card online

Did you know you don't need to go to a branch to apply for a credit card? It's fast and easy to do the whole process online. Here's everything you need to know.

Benefits of applying for a credit card online

Social distancing: You can do all the paperwork and even provide your proof of income online and at home, without going to a branch.

Flexible registration time: You can do the registration at any time of the day or night, and the whole application only takes a few minutes to complete.

Quick results: Applying online makes it faster for the bank to process your paperwork. Depending on the time of day you submit your application, you could get approved within the applied day.

Exclusive gifts when applying online: If you apply online you'll be eligible for offers that aren't available when you register at the branch.

What should you prepare for an HSBC credit card application?

Requirements for getting a credit card

If you apply for a credit card with us, there are certain requirements we look for. Among other things, you must:

  1. be at least 18 years old
  2. have a minimum monthly income of:

    VND6 million for salaried earners who are Vietnamese and VND 15 million for foreigners

    VND15 million for Vietnamese who are self-employed/ business owners

  3. reside in one of these cities or provinces:


    Ho Chi Minh City

    Ba Ria - Vung Tau

    Bac Ninh

    Binh Duong

    Da Nang

    Dong Nai

    Hai Duong

    Hai Phong

    Hoi An


    Hung Yen

    Long An

    Tay Ninh

    Vinh Phuc

In addition, if you're a foreigner staying in Vietnam, you need to have had residence permission here for at least 12 consecutive months at the time of your application.

Find out more: Requirements for getting a credit card

Required documents

These are the documents you need to prepare when you apply for an HSBC credit card:

  • Identification documents
  • Current proof of residence
  • Employment & income documents of the primary applicant

We've prepared a list where you can find more information about the types of documents we accept.

Are you an online shopaholic?

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Already an HSBC credit cardholder? Discover latest credit card articles here.

General tips for getting a credit card

Keep a good credit score

Credit scores are used by banks and financial institutions as a basis for assessing potential customers. Having a good credit score not only helps you get approval for loans, it will also help you get a higher loan limit with better interest rates.

How do you maintain a good credit score?

To improve or maintain a good credit score, you should develop financial habits such as:

  1. Pay your balance on time

    Late payments, even unintentionally, will still negatively affect your credit score. So always check your credit card statement to know how much is due and when.

    It's best to always pay the entire balance, but if that's not possible, pay as much of it as you can so that your debt will be cleared as quickly as possible.

  2. Don't spend over your limit
    Credit card sometimes allow you to spend slightly over your limit so you can complete your purchases. However, there is a fee when you do this and it can reduce your credit score.
  3. Avoid multiple loan/credit card applications in a short span of time
    Every time you apply for a loan, a hard enquiry is made into your credit score by the lender. All credit enquiries will be saved on your CIC profiles. Too many hard enquiries, within a short period of time, negatively impact your credit score.

So, if you want a loan, check the different options and make one application. For subsequent loans, wait for some time before applying so that too many enquiries into your credit report are not done. Similarly, don't apply for too many credit cards within a short span of time.

A good credit score makes it easier for your credit card application to be approved faster and increase your credit limit easier later.

Pick the right credit card

Before deciding to apply for a credit card, you should thoroughly research the fee schedule, as well as the interest rate of your card type and its issuer. Incentives are also important, but remember that cards with more attractive promotions and programmes often have higher annual fees.

Besides, each credit card has benefits geared toward a specific spending need. So to pick the right card, you should have a clear understanding of how you are going to use it.

For example, credit cards with hotel and restaurant deals could be suitable if you travel a lot. Otherwise, cards with cashback and rewards redemption features might be better for you, as they can help you maximize your savings.

Do your own application for your credit card

There are a lot of third party credit card registration services on the market today. We strongly recommend you avoid using these types of businesses as there could be possible risks. Not only will you have to reveal all your personal information, but there is always the chance that you pay for the service and up getting a fake credit card.

By actively doing your own research and filling out the application, you'll find out important information about the card. This will help you know all the perks and services it offers, and it will help you avoid unnecessary fees since you'll be fully aware of the card's interest rate and fee schedule. 

Applying for a credit card online isn't complicated and doesn't require any special technical skills. We have clear instructions on our website, and if you still need help you can always call our support center.

Don't apply for too many credit cards

There's no law against owning multiple credit cards. It really depends on how you're going to manage and use them. However, financial experts say you shouldn't have more than 2 cards. Owning too many cards can lead to hassle such as:

Lots of fees

Each credit card has its own fees, such as annual fee, late payment fee, interest and more. So the more cards you own, the more fees you might have to pay.

Find out more: How to avoid credit card fee

Easy to lose

Because credit cards have their payment information printed on them, it puts you at a risk of fraudulent activities if they fall into the wrong hands. Using multiple cards increases the risk of losing your card.

Difficult to manage

Managing multiple credit cards at the same time becomes quite complicated when your life is busy. There are cases where you can forget to zero out the balance or miss the payment due date. As a result, you could be face with additional fees and interest rates. 

Unable to pay

Likewise, multiple credit cards can make it harder to track your spending on each card. At the end of the month you might discover that your balance is too much and you have no way to pay it off.

How to apply for an HSBC Visa Credit Card online

Applying for an HSBC credit card online is fast and easy. Here's what you need to do:

  1. Select an HSBC Visa Credit Card and your preferred gift
  2. Enter your personal information
  3. Confirm and receive the OTP
  4. Enter your residential address and employment details
  5. Review your application
  6. Upload your documents

Depending on the details in your applications, there might be extra requirements. We'll guide you through it.

What happens next?

Step 1: We'll call you within 2 working days for a preliminary assessment of your uploaded application.

Step 2: We'll then verify your document and your identity through a face-to-face Zoom video call. We use a licensed and secure version of Zoom.

You can find out more about it at our Zoom FAQ.

Step 3: After the call, your application will be sent to our Verification Team for further processing.

Step 4: If your application is approved, we'll send an SMS to your registered mobile number. If your application is unsuccessful, we'll send you an email to let you know.

Stay at home, apply credit card online and receive a sign-up gift with cash back up to VND 1.8 million. Why not?

We hope the article helps you understand more about how to register credit card online. With its convenience and flexibility, are you ready to stay at home and quickly get a credit card?


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