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Credit card FAQ

FAQs for HSBC Visa Platinum Credit Card

Healthcare Benefits

What do the Healthcare benefits offer?

  • Complimentary healthcare concierge facility at 08 leading hospitals/ clinics across the major cities in Vietnam (Hanoi, HCMC, Danang) via hotlines (84 28) 38 240 503; AND
  • Get discount up to 25% discount for health check packages and up to 10% discount for other services. When using the promotion offer, discount amount will be applied directly on your card at the time of payment. Please check the amount before making payment.
  • Unlimited number of offers and bookings for each Cardholder. Applicable for both Primary and Supplementary Cardholders.

What should I do to join the benefit?

Applicable to all HSBC Visa Platinum Credit Cardholders who have Card is in ‘active’ status. Cardholders follow below steps:

  • Step1: Call to free hotline (84 28) 38 240 503 and get hotline agent’s confirmation.
  • Step 2: Hotline agent will call back to Cardholders within 48 hours to confirm booking status (after checking with hospitals/ clinics) and send a confirmation email to Cardholder.
  • Step 3: Cardholders visits the hospitals and show the booking confirmation received to avail of the service. Customers are required to make payment with HSBC Visa Platinum Credit Card and get the discount.

How can I enjoy or avail the Healthcare benefits?

Applicable to all HSBC Visa Platinum Credit Cardholders who have an active Card. Please follow below steps: 

  • Step 1: Call the toll free hotline (84 28) 38 240 503  to make the booking.
  • Step 2: Hotline agent will call the Cardholder within 48 hours to confirm the booking status (after checking with hospitals/ clinics) and also send a confirmation email to Cardholder.
  • Step 3: Cardholders show the booking confirmation received to avail the offer / service. Customers are required to pay with HSBC Visa Platinum Credit Card and get the discount.

 

How can I find list of eligible hospitals/ clinics?

(Hanoi, HCMC, Danang) via hotlines (+84 28) 38 240 503; AND

Below list of hospitals/ clinics can be updated from time to time.

No. Hospital Location
1 American International Hospital (AIH) HCMC
2 City International Hospital (CIH) HCMC
3 Hanoi French Hospital (HFH) Hanoi
4 An Thinh Maternity Hospital Hanoi
5 Hong Ngoc Hospital Hanoi
6 Thu Cuc Hospital Hanoi
7 Vinmec Hospital HCMC, HN, DN
8 Columbia Hospital HCM

Below list of hospitals/ clinics can be updated from time to time.

No. 1
Hospital American International Hospital (AIH)
Location HCMC
No. 2
Hospital City International Hospital (CIH)
Location HCMC
No. 3
Hospital Hanoi French Hospital (HFH)
Location Hanoi
No. 4
Hospital An Thinh Maternity Hospital
Location Hanoi
No. 5
Hospital Hong Ngoc Hospital
Location Hanoi
No. 6
Hospital Thu Cuc Hospital
Location Hanoi
No. 7
Hospital Vinmec Hospital
Location HCMC, HN, DN
No. 8
Hospital Columbia Hospital
Location HCM

Tariff & Interest

I wish to apply for an HSBC Visa Platinum Credit Card; can you tell me where I can find the tariff?

To ensure you receive the latest tariff for HSBC Visa Platinum Credit Card, please visit our rate and fee page.

How to calculate Annual Fee for HSBC Visa Platinum Credit Card?

Annual Fee

Applied from 22 October 2021

Applied before 22 October 2021

First year

Primary: VND 800,000

Supplementary:  VND 400,000

Primary:  VND 1,200,000

Supplementary: Free

Year 2 onwards

Primary: VND 800,000

Supplementary: VND 400,000

Primary: VND 1,200,000

Supplementary: VND 600,000

How to calculate Annual Fee for HSBC Visa Platinum Credit Card?

Annual Fee First year

Applied from 22 October 2021

Primary: VND 800,000

Supplementary:  VND 400,000

Applied before 22 October 2021

Primary:  VND 1,200,000

Supplementary: Free

Annual Fee Year 2 onwards

Applied from 22 October 2021

Primary: VND 800,000

Supplementary: VND 400,000

Applied before 22 October 2021

Primary: VND 1,200,000

Supplementary: VND 600,000

What is the financial charge rate of the HSBC Visa Platinum Credit Card?

  • Before 22 October 2021:  30% (per annum)
  • From 22 October 2021 onwards: 33% (per annum)

Financial charge shall not be applied if no cash advance is used and the monthly statement balance is fully paid by the due date). The finance charge may be changed from time to time in accordance with the local regulatory with prior notice to Cardholders.

I am an existing Platinum cardholder and having revolving balance on my current cards, what will be the impact with the new financial charge rate?

  • For balance before 22 October 2021: interest rate of 30% (per annum) will be applicable
  • For balance from 22 October 2021 onwards:   interest rate of 33% (per annum) will be applicable

Cash Back Program

What Cash Back Rate will I get on my HSBC Platinum credit card?

Details of cash back program of HSBC Platinum credit card

Cash Back scheme

Purchase Category Cash Back Rate Maximum Cash Back

Online Transactions at preferred Merchants
  • 6%
  • Additional 2% (a total of 8%) if Cardholders have their monthly salary credited into HSBC transactional accounts

VND 200,000 per month
Domestic Online Purchases 1% Unlimited
Others 0.3% Unlimited

Cash Back scheme

Purchase Category
Online Transactions at preferred Merchants
Cash Back Rate
  • 6%
  • Additional 2% (a total of 8%) if Cardholders have their monthly salary credited into HSBC transactional accounts
Maximum Cash Back
VND 200,000 per month
Purchase Category Domestic Online Purchases
Cash Back Rate 1%
Maximum Cash Back Unlimited
Purchase Category Others
Cash Back Rate 0.3%
Maximum Cash Back Unlimited

Preferred Merchant List

Merchant’s name Websites/Apps Transaction description
TIKI www.tiki.vn

TIKI

TIKI CORP

LAZADA www.lazada.vn LAZADA HCM VN
SHOPEE www.shopee.vn
SHOPEE VIETNAM HA NOI VN
GRAB www.grab.com GRAB HA NOI VN
BAEMIN www.baemin.vn MEGAPAY*BAEMIN0001
SENDO www.sendo.vn

SENDO*NOR*

SENDO*INS*

Preferred Merchant List

Merchant’s name TIKI
Websites/Apps www.tiki.vn
Transaction description

TIKI

TIKI CORP

Merchant’s name LAZADA
Websites/Apps www.lazada.vn
Transaction description LAZADA HCM VN
Merchant’s name SHOPEE
Websites/Apps www.shopee.vn
Transaction description SHOPEE VIETNAM HA NOI VN
Merchant’s name GRAB
Websites/Apps www.grab.com
Transaction description GRAB HA NOI VN
Merchant’s name BAEMIN
Websites/Apps www.baemin.vn
Transaction description MEGAPAY*BAEMIN0001
Merchant’s name SENDO
Websites/Apps www.sendo.vn
Transaction description

SENDO*NOR*

SENDO*INS*

To read full Terms and Conditions of the HSBC Visa Platinum credit card on the Cash Back program, please visit here.

When should I credit my monthly Salary to HSBC transactional account so that I can receive additional 2% cash back for online spending at preferred merchants with HSBC Platinum credit card?

The additional 2% cash back applies to those customers  who transfer  Salary  to their HSBC account between the 1st day and  the last day of the first month (both days inclusive). Customers will be eligible for additional Cash Back rate for online spends at preferred merchants latest from the 7th working day of the 2nd month (1st month is the month customers credit their monthly salary to their HSBC account) to end of the 6th working day of the 3rd month. The additional Cash Back rate will be continuously applied if the Customer keeps receiving salary into their HSBC accounts.

*Note: Salary credited transaction will be classified according to prevailing HSBC’s policy.

 

What is an Eligible Purchase which is eligible for cash back of HSBC Platinum credit card?

"Eligible Purchases" mean retail purchases made locally and/or overseas (including online transactions) by both Primary & Supplementary cards linked to the Primary account.

Eligible Domestic Online Purchases” mean Eligible Purchases satisfying all of the following conditions:

  1. Classified by the Merchants and registered with Card Associations (Visa/Mastercard) as an online transaction
  2. The Merchant is legally established in Vietnam.
  3. Payment currency recorded in the Bank ‘system as Viet Nam Dong (VND).

Eligible Online Transactions at preferred Merchants” mean Eligible Domestic Online Purchases satisfying all of the following conditions:

  1. Made and paid for Goods & Services through online websites or e-commercial platforms (“Websites”), e-commercial applications or Goods & Services purchasing software (“Apps”) from the  preferred Merchants as specified below Table of Preferred Merchant List; and
  2. Detailed description for the transactions recorded in the Bank ’system as specified below Table of Preferred Merchant List; and
  3. Transactions made on the Websites or Apps but paid via Third-party payment gateway or e-Wallet shall not be considered as eligible transactions.

The preferred Merchants list in this Program are subject to change at the Bank's discretion from time to time and shall be officially posted on the Bank's Website without prior notice.

When is cash back of HSBC Platinum credit card credited to my credit card account

Cash back will be automatically credited into the Cardholder's account on the next working day after the billing cycle day. Details of the amount credited will appear on the next billing cycle card statement.

What situations are all Cash back in my HSBC Platinum credit card account forfeited?

  • Cards are voluntarily or involuntarily closed; or
  • Cards are terminated; or
  • There is any fraud or abuse relating to the earning of Cash Back; or
  • The Cardholder(s) breach any terms and conditions of the HSBC Credit Card Cardholder's Agreement.
  • Does cash back of HSBC Platinum credit card offset my card payment amount?

Cash back can be used to offset with any future retail purchases or offset with any negative Cash Back reversal. Cash back cannot be transferred, withdrawn as cash or used as payment for the monthly statement that generated before the date that cash back is credited.

International Travel Insurance

How can I register International Travel Insurance Program?

You do not need to register. The International Travel Insurance Program is offered free to Cardholders of Platinum.

In case the emergency, how can I submit a request?

In case the emergency, the Insurer can call the hotline 24/7 for assistance at (+8428) 38275328:

  • Supporting medical advice over the phone
  • Appointment booking with doctor
  • Travel assistance services
  • Information about medical service providers

For quick assistance, it’s suggested that the Cardholders should notify the Insurance Policy No C351/DLCN/02/29/21 to Hotline operators.

Please refer to HSBC Platinum credit card Terms and Conditions in the Bank’s website for details.

FAQs for HSBC Visa Classic Credit Card

1. What is the benefits of the HSBC Visa Classic Credit Cards opened before 01 April 2022 and opened from 01 April 2022?

The HSBC Visa Classic Credit Cards opened before 01 April 2022 and opened from 01 April 2022 are designed with different scheme of benefits.

- Cards opened before 01 April 2022 Cards opened from 01 April 2022
Annual Fee

Primary: VND 350,000

Supplementary: VND 250,000

No Annual Fee
Reward Program

Earn 1 reward point for every VND 1,000 spend.

One HSBC Credit Card – 4 Distinctive Rewards Schemes:

  • Cashback and Annual Fee Waiver
  • Mileage Program
  • Vouchers and HSBC Distinctive Gifts
  • Charity Donation

 

To find out more visit Rewards and Mileage Program.

Not applicable
Mileage Program

Travel the world with your HSBC Credit Card

With over 1,000 destinations to choose from, your accumulated miles can be redeemed for award tickets from several of our airline partners (including Vietnam Airlines, Singapore Airlines, SilkAir, Cathay Pacific Airways, Thai Airways, Dragon Air, American Airlines) with many other lifestyle rewards.

Mile Conversion

  • Earn one Golden Lotus Plus (GLP), Asia Miles, or KrisFlyer mile with 45 Reward Points.
  • Minimum of 1,000 miles or its multiplies are required for each redemption.

 

Redeem your miles for flight award

Not applicable
Financial charge rate (per annum) 33% 33%
Interest Free Period Up to 55 days Up to 55 days

The HSBC Visa Classic Credit Cards opened before 01 April 2022 and opened from 01 April 2022 are designed with different scheme of benefits.

- Annual Fee
Cards opened before 01 April 2022

Primary: VND 350,000

Supplementary: VND 250,000

Cards opened from 01 April 2022 No Annual Fee
- Reward Program
Cards opened before 01 April 2022

Earn 1 reward point for every VND 1,000 spend.

One HSBC Credit Card – 4 Distinctive Rewards Schemes:

  • Cashback and Annual Fee Waiver
  • Mileage Program
  • Vouchers and HSBC Distinctive Gifts
  • Charity Donation

 

To find out more visit Rewards and Mileage Program.

Cards opened from 01 April 2022 Not applicable
- Mileage Program
Cards opened before 01 April 2022

Travel the world with your HSBC Credit Card

With over 1,000 destinations to choose from, your accumulated miles can be redeemed for award tickets from several of our airline partners (including Vietnam Airlines, Singapore Airlines, SilkAir, Cathay Pacific Airways, Thai Airways, Dragon Air, American Airlines) with many other lifestyle rewards.

Mile Conversion

  • Earn one Golden Lotus Plus (GLP), Asia Miles, or KrisFlyer mile with 45 Reward Points.
  • Minimum of 1,000 miles or its multiplies are required for each redemption.

 

Redeem your miles for flight award

Cards opened from 01 April 2022 Not applicable
- Financial charge rate (per annum)
Cards opened before 01 April 2022 33%
Cards opened from 01 April 2022 33%
- Interest Free Period
Cards opened before 01 April 2022 Up to 55 days
Cards opened from 01 April 2022 Up to 55 days

2. Can I convert between the 02 scheme of benefits on HSBC Visa Classic Credit Cards?

  • For HSBC Visa Classic Credit Cards open before 01 April 2022, cardholders can convert to new program scheme of No Annual Fee with No Reward/Mileage Program by placing a request in a designed template "Change card type features of Classic credit card" via Secure Message on Online Banking. A Service fee will be applicable for this request.
  • For HSBC Visa Classic Credit Cards open from 01 April 2022, the conversion between the 02 scheme of benefits is not applicable.

General Credit Card FAQ

Can I use my HSBC credit card immediately after I receive it?

For security reasons, you will need to activate your credit card before you are able to use it.

How should I do with my old credit card when completes to activate new card?

Your old card must be destroyed properly once the new one is activated successfully.

What type of credit cards does HSBC offer?

HSBC offers a range of card types to suit different needs. We offer Visa Platinum, Visa Cash Back and Visa Classic cards. For HSBC Premier Customers, we offer Premier World MasterCard.

What can I do with an HSBC credit card?

With HSBC credit card, you can:

  • Purchase goods and services with your HSBC credit card in Vietnam and when you are traveling overseas at 30 million retailers displaying a Visa logo.
  • Access cash from your credit card account with your card and PIN at HSBC ATMs or other banks’ ATM displaying a VISA/PLUS logo worldwide.
  • Enjoy fabulous shopping, dining, entertainment, traveling at a discount under our home&Away Privilege Programme at over 19,000 retailers in over 40 countries/territories across Asia Pacific, Americas, Europe and Middle East.
  • Enjoy 0% Interest Installment Plan. Buy now and pay later over a period of 3, 6, 9 or 12 months.
  • Link your primary credit card with your HSBC demand deposit account to make it function the same way as an ATM card. The benefit is not applicable to supplementary credit card unless the supplementary credit cardholder has their own demand deposit account.

How can I apply for an HSBC Credit Card?

At HSBC, there are different requirements of eligibility and required documents for different card types we offer from time to time. You may access the Bank’s website for more details of Eligibility and documents for credit card application. You can choose to apply for a credit card via online application form. Alternatively, you may call our Contact Center at (84 28) 37 247 247 or visit any nearest HSBC Branch/ Transaction office for further support.

I would like to apply for a credit card but I cannot provide sufficient supporting documents to show income proof, what should I do?

You may apply for a credit card secured with your own funds. You will need cash collateral of at least 120% of the expected credit limit. For example, if you wish to have a credit limit of VND 50,000,000, the minimum cash you will need as collateral is VND 60,000,000. For detailed information, please call our Contact Center (84 28) 37 247 247, operating from 8.00am until 10.00pm daily.

What is my credit limit if I have been approved for a credit card?

The assignment of credit card limit depends on a number of factors and Bank’s regulations from time to time.

I have successfully applied for a credit card. May I increase my credit limit to cater for my spending need, or do you adjust my limit from time to time?

We will review your credit limit and will adjust your credit limit provided you are eligible.

However, if you wish to increase / decrease your credit limit, you may also complete a request form for credit limit increase / decrease and return it to us with the income proof for the past 3 months for further processing. We will then assess it for eligibility.

What is a chip card? What is the difference between chip and magnetic stripe card?

Chip cards are sometimes called “smart cards”. Chip cards are cards with an embedded microchip on the face of the card, to record customer information or customer transaction.

The differences between chip and magnetic stripe card are structure, durability, information storage capacity and safety.

Comparison of chip and magnetic stripe card.

Features Chip card Magnetic stripe card
Structure •    Plastic card, embedded microchip on the face and a magnetic stripe on the reverse side of card.
•    Information is recorded on both the microchip and magnetic stripe.
•    Plastic card, with a magnetic stripe on the reverse side of card.
•    Information is recorded only on magnetic stripe
Durability •    High – Flexibility, information can easily replaced.
•    Low – the magnetic stripe easy to be scratched.
Storage capacity   •    Large •    Small
Safety
•    High (because information is stored on both chip and magnetic stripe).
•    Information is highly encrypted, so it’s difficult to copy to make counterfeit cards.
•    Low (because information is only stored on magnetic stripe).
•    Could be to make counterfeit cards.

Comparison of chip and magnetic stripe card.

Features Structure
Chip card •    Plastic card, embedded microchip on the face and a magnetic stripe on the reverse side of card.
•    Information is recorded on both the microchip and magnetic stripe.
Magnetic stripe card •    Plastic card, with a magnetic stripe on the reverse side of card.
•    Information is recorded only on magnetic stripe
Features Durability
Chip card •    High – Flexibility, information can easily replaced.
Magnetic stripe card •    Low – the magnetic stripe easy to be scratched.
Features Storage capacity  
Chip card •    Large
Magnetic stripe card •    Small
Features Safety
Chip card •    High (because information is stored on both chip and magnetic stripe).
•    Information is highly encrypted, so it’s difficult to copy to make counterfeit cards.
Magnetic stripe card •    Low (because information is only stored on magnetic stripe).
•    Could be to make counterfeit cards.

I wish to apply for an HSBC Credit Card; can you tell me how much is the annual fee?

The annual fee will be listed on your first month statement. To ensure you receive the latest information, please refer to Personal Banking Tariff in the Bank’s website.

Where can I find the details of the fees and charges?  

You may refer to Personal Banking Tariff in the Bank’s website.

Can I use my HSBC credit card immediately after I receive it?  

For security reasons, you will need to activate your credit card before you are able to use it. After you receive your HSBC credit card, please:

  1. Sign on the back of your credit card.
  2. Activate your card by calling to our Contact Center at (84 28) 37 247 247 operating from 8.00am until 10.00pm daily; or activate your card via SMS syntax according to the instruction on the Card face.

What should I be aware of when making a payment with my credit card?  

You should keep your credit card with you, and not share the card or its information, such as card number, expiry date, PIN with anyone, including strangers contacting you via telephone or e-mail asking these details. In addition, you should not provide any payment details unless you have initiated the contact and deal with the party(s) you trust. When making payment at a merchant, check the amount printed on the sales slip is correct before signing it, and collect your card but not someone else's.

According to Visa/Mastercard International’s regulation, the requirement to capture a signature on the sales slip is now optional for all Chip reading-enabled merchants (details refer https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf). In some cases of handling disputed transactions, the bank may not have this information because sales slip retrieval and signature validation are optional at any terminal capable of accepting a Chip.

Which channels can I receive my credit card monthly statement?  

You can receive your monthly statement via Online Banking or to the email address that you have registered with HSBC. In some cases (card lost, new card replaced, card upgrade, etc.), you may not see your credit card account on Online Banking. In this case, please contact our Contact Center at (84 28) 37 247 247 operating from 8.00am until 10.00pm daily for support.

How does HSBC calculate the 55 days interest charge free period?  

The maximum interest-free period that you may enjoy for your purchases is 55 days from purchase date to payment due date, , provided that statement balance is made and received by the Bank on or before the Payment Due Date.  In case you pay the minimum payment amount or any amount which is greater than the minimum payment amount but less than the statement balance, the finance charge will apply. The financial charge will be accrued daily and be calculated from the transaction date to the date day end balance paid in full.

The table below provides an illustration about the maximum interest-free period.

Example 1:

  • Your statement billing date is on 14th and payment due date is around on 08th of the next month. If you purchased an item on 15th July, this transaction would show on the statement of August 14th and the payment due date would be September 08th.

Example 1 of the maximum interest-free period.

First Statement billing date Transaction date

Due date of first

statement

Second Statement billing date Due date of second statement
14 July   15 July 08 Augest 14 Augest 08 September
N/A You will have 55 days interest free (from July 15th to September 08th) You will have 55 days interest free (from July 15th to September 08th) You will have 55 days interest free (from July 15th to September 08th) You will have 55 days interest free (from July 15th to September 08th)

Example 1 of the maximum interest-free period.

First Statement billing date 14 July  
Transaction date 15 July

Due date of first

statement

08 Augest
Second Statement billing date 14 Augest
Due date of second statement 08 September
First Statement billing date N/A
Transaction date You will have 55 days interest free (from July 15th to September 08th)

Due date of first

statement

You will have 55 days interest free (from July 15th to September 08th)
Second Statement billing date You will have 55 days interest free (from July 15th to September 08th)
Due date of second statement You will have 55 days interest free (from July 15th to September 08th)

Example 2:

  • Assuming the same example 1, if you purchased the item on 30th July, your payment due date would still be September 08th and the interest free period is less than 55 days.

Example 2 of the maximum interest-free period.

First Statement billing date Due date of first statement    Transaction date

Second

Statement billing date

Due date of second statement
14 July 08 August 30 July 14 Aug 08 September
N/A You will have 40 days interest free (from July 30th to September 08th) You will have 40 days interest free (from July 30th to September 08th) You will have 40 days interest free (from July 30th to September 08th) You will have 40 days interest free (from July 30th to September 08th)

Example 2 of the maximum interest-free period.

First Statement billing date 14 July
Due date of first statement    08 August
Transaction date 30 July

Second

Statement billing date

14 Aug
Due date of second statement 08 September
First Statement billing date N/A
Due date of first statement    You will have 40 days interest free (from July 30th to September 08th)
Transaction date You will have 40 days interest free (from July 30th to September 08th)

Second

Statement billing date

You will have 40 days interest free (from July 30th to September 08th)
Due date of second statement You will have 40 days interest free (from July 30th to September 08th)

Are there any fees applied if I use ‘cash advance’ when I use my credit card account at the ATM?

When performing a cash advance transaction from your credit card account, there is a fee of 4% of the transaction value (minimum VND 50,000) at HSBC Vietnam ATMs.

You may also incur additional fees if you use other bank’s Visa/ Plus ATMs.

In addition, finance charges will apply to each Cash Advance transaction from the withdrawal date until all of the balance is repaid.

How is the finance charge applied to each cash advance transaction?

Besides the cash advance fee, finance charges will apply to each Cash Advance transaction from the withdrawal date until all of the balance is repaid. Please refer to Personal Banking Tariff in the Bank’s website for the latest finance charges.

Example: You withdraw via cash advance VND 2,000,000 at an HSBC ATM on August 1st. The cash advance fee is VND 80,000, and the finance charge will accrue from August 1st until the whole balance is repaid.

Which account type I should choose when using other ATMs?

Each bank may label its accounts differently, so please take care when choosing the appropriate account:
If you use your credit card for cash advance transactions (withdraw money from credit card account): please choose Primary Account or Credit Account.

If you use credit card to withdraw money from your linked accounts (saving or current account): please choose Checking or Saving/Current Account/Default Account.

How can I repay the outstanding balance on my HSBC Credit Card?

You have 5 options to repay your credit card outstanding balance at the moment.  They are:

  • Auto debit – this is the simplest and easiest way as you will never forget to pay on time. You may enroll for our direct debit service through which the pre-defined payment amount* (i.e. Minimum Payment Amount or Full Payment Amount) will be automatically debited from your HSBC bank account every month. You have to ensure your HSBC account has sufficient funds a day before payment due date.
    * The pre-defined amount includes the over limit amount (the balance amount exceeding the credit limit) from the statement date but not paid before the Payment Due Date.

    Notice:
    -    If you have processed Cash withdrawal transactions after the statement date but have not paid before the Payment Due date (**), the pre-defined amount after credited to your credit card will take payment priority for Cash withdrawal transactions (**) firstly.
    -    If you make credit card payment by yourself on payment due date but you did not notify Bank about stop or suspense Auto debit services in advance, the pre-defined amount is still deducted from your HSBC account if your HSBC account has sufficient fund.
    -    If you make credit card payment by yourself before payment due date but you did not notify Bank about this payment in advance, the pre-defined minimum payment amount will be not deducted from your HSBC account if your HSBC account has sufficient fund.
    -    If you don’t have sufficient fund in your HSBC account on payment due date, the auto debit will be failed. The system will re-run it for auto debit in case the card balance is not clear after 2 and 3 working days from payment due date. Please note that in case the system re-run it and the auto debit is successful, you are still responsible to pay any late fees and finance charge if any because the card balance is paid after payment due date.
  • Transfer funds – you may transfer funds from your HSBC account to your credit card account through Online  Banking service / Mobile Banking app, or via our Contact Center.
  • Cash payment – you may also make cash payment at counter of any nearest HSBC Branch/ Transaction office during office hours on weekdays.
  • Bank transfer – you may transfer funds from other banks to your HSBC credit card account.
  • Payoo – you may make payment for your credit card via Payoo’s network at any Payoo’s agent.

I only have a foreign currency deposit account with HSBC. Can I pay my card balance in VND by debiting this account?

Yes, you may transfer from your foreign currency account to repay your credit card balance via ATM, Online Banking or auto debit. Note: with this repayment option, the foreign exchange rate will be applied.

Can I pay the minimum payment amount on the Due Date?

Yes, you may repay the minimum payment amount as shown on your credit card statement on or before the due date.

The minimum payment due includes the following amounts:

  1. 5% of the outstanding balance* (minimum VND 50,000),
  2. any installment repayment amount
  3. the greater of the overdue amount or over limit amount.

*The outstanding balance is statement balance amount less any installment repayment amounts

Can I pay more than minimum payment amount?

Yes, you may pay more than minimum payment amount on or before the payment due date.

When is finance charges applied if I do not pay the full payment by the due date?

Finance charges apply if you pay less than the statement balance by the payment due date (excluding cash advance which is subject to a different charging arrangements).

The illustration below provides an example:

  1. 28 April: your beginning statement balance is zero. On this day, you made a purchase of VND 1,000,000.
  2. 7 May: is your statement date - i.e., the day when your statement is generated. As the beginning balance as at 28 April was zero, and you made a purchase of VND 1,000,000, the statement balance as shown on your statement will be VND 1,000,000.
  3. 10 May: you made another purchase of VND 500,000. The ending balance as at 10 May is VND 1,500,000.
  4. 22 May: is the due date – i.e., the day when the Statement Balance amount is due for payment. On this day, you made a repayment of VND 600,000, leaving an ending balance of VND 900,000.
  5. 7 June: is your next statement date.

The following table provides an illustration of the above:

Finance charges/date Amount of 1st transaction Statement date Amount of 2nd transaction Due date Next statement date
Release date 28 Apr 7 May 10 May   22 May   7 June
Statement balance 0 1,000,000 1,000,000 1,000,000 0
Beginning balance   0   1,000,000 1,000,000 1,500,000
0
Purchase amount 1,000,0001 0 500,000   0 0
Repayment amount   0   0 0 -600,000 0
Ending balance 1,000,000 1,000,0002 1,500,0003 900,0004 900,000 + finance charge5

The following table provides an illustration of the above:

Finance charges/date Release date
Amount of 1st transaction 28 Apr
Statement date 7 May
Amount of 2nd transaction 10 May  
Due date 22 May  
Next statement date 7 June
Finance charges/date Statement balance
Amount of 1st transaction 0
Statement date 1,000,000
Amount of 2nd transaction 1,000,000
Due date 1,000,000
Next statement date 0
Finance charges/date Beginning balance  
Amount of 1st transaction 0  
Statement date 1,000,000
Amount of 2nd transaction 1,000,000
Due date 1,500,000
Next statement date 0
Finance charges/date Purchase amount
Amount of 1st transaction 1,000,0001
Statement date 0
Amount of 2nd transaction 500,000  
Due date 0
Next statement date 0
Finance charges/date Repayment amount  
Amount of 1st transaction 0  
Statement date 0
Amount of 2nd transaction 0
Due date -600,000
Next statement date 0
Finance charges/date Ending balance
Amount of 1st transaction 1,000,000
Statement date 1,000,0002
Amount of 2nd transaction 1,500,0003
Due date 900,0004
Next statement date 900,000 + finance charge5

In the example above, the finance charge will be calculated on the ending balance amount, on a daily basis and from the transaction date as follows:

  • 12 days of finance charge from 28/4 to 9/5 on VND 1,000,000
  • 12 days of finance charge from 10/5 to 21/5 on VND 1,500,000
  • 17 days of finance charge from 22/5 to 7/6 on VND 900,000   

How are fees applied if I don’t pay the minimum amount on the Payment Due Date?  

If you do not pay the minimum amount by the payment due date, a late charge (as defined in the credit card tariff) will be applied to your credit card, and finance charges will be applied on the whole statement balance as well as any subsequent purchase transactions.  

The table below provides an illustration.

Finance charges/date Amount of 1st transaction Statement date Amount of 2nd transaction Due date Repayment transaction Next statement date
Release date 28 Apr 7 May 10 May   22 May   28 May 7 June
Statement balance 0 1,000,000 1,000,000 1,000,000 1,000,000 0
Beginning balance   0   1,000,000 1,000,000 1,500,000
1,500,000 0
Purchase amount 1,000,000 0 500,000   0 0 0
Repayment amount   0   0 0 0 -1,000,000 0
Ending balance 1,000,000 1,000,000 1,500,000 1,500,000 500,000 500,000 + late Charge + finance charge

The table below provides an illustration.

Finance charges/date Release date
Amount of 1st transaction 28 Apr
Statement date 7 May
Amount of 2nd transaction 10 May  
Due date 22 May  
Repayment transaction 28 May
Next statement date 7 June
Finance charges/date Statement balance
Amount of 1st transaction 0
Statement date 1,000,000
Amount of 2nd transaction 1,000,000
Due date 1,000,000
Repayment transaction 1,000,000
Next statement date 0
Finance charges/date Beginning balance  
Amount of 1st transaction 0  
Statement date 1,000,000
Amount of 2nd transaction 1,000,000
Due date 1,500,000
Repayment transaction 1,500,000
Next statement date 0
Finance charges/date Purchase amount
Amount of 1st transaction 1,000,000
Statement date 0
Amount of 2nd transaction 500,000  
Due date 0
Repayment transaction 0
Next statement date 0
Finance charges/date Repayment amount  
Amount of 1st transaction 0  
Statement date 0
Amount of 2nd transaction 0
Due date 0
Repayment transaction -1,000,000
Next statement date 0
Finance charges/date Ending balance
Amount of 1st transaction 1,000,000
Statement date 1,000,000
Amount of 2nd transaction 1,500,000
Due date 1,500,000
Repayment transaction 500,000
Next statement date 500,000 + late Charge + finance charge

Assuming the same example as above question, if you do not pay the minimum amount by 22 May, finance charges will be applied on the ending balance amount on a daily basis from the transaction date as follows:

  • 12 days interest from 28/4 to 9/5 on VND 1,000,000
  • 18 days interest from 10/5 to 27/5 on VND 1,500,000
  • 11 days interest from 28/5 to 7/6 on VND 500,000

Will my credit history be affected if I do not pay the minimum payment due?

You are encouraged to repay the minimum payment as this is a requirement of maintaining your credit card. If you do not pay the minimum payment due, your credit record will be adversely affected not only at HSBC but also at other banks.  

If I don’t have enough money for full auto payment on the Payment Due Date, how will the bank process with the remaining balance?

We will only process the automatic debit payment requests if you have sufficient funds in your account (this can be the minimum due or the full amount, depending on which option you’ve registered with us). If your account does not have sufficient funds, we will not debit the remaining amount from your account. You may consider repaying a smaller amount by funds transfer via Internet Online Banking service / Mobile Banking app or contact our Contact Center.

Can I register for the auto-payment service so 50% of the statement balance is automatically repaid each month?

No. We currently offer this service where you would like to repay the minimum amount or full amount due (100%). If you would like to repay 50% of your statement balance, you may consider repaying this by funds transfer via Online Banking service / Mobile Banking app or contact our Contact Center.

What should I do if my HSBC credit card is lost or stolen?

If your HSBC credit card is lost or stolen, please call immediately our Contact Center operating from 8.00am until 10.00pm daily.

  1. (84 28) 37 247 666 for Premier World MasterCard credit cards;
  2. (84 28) 37 247 248 for Visa Platinum credit cards;
  3. (84 28) 37 247 247 (in the South) or (84 24) 62 707 707 (in the North) for Cash Back/Classic credit cards,
    Please note that you are responsible for all the transactions made on your credit card (including your supplementary card) until you have reported the lost or stolen card to us and we have recorded it as lost.

What is the validity period of an HSBC credit card?  

In general, our credit cards are valid for up to 5 years. However, some are valid for shorter period. For example: business credit cards, and personal credit card for foreigners whose working contracts in Vietnam is less than 5 years. Please note during the card renewal process you may use credit card to make purchase transaction at merchants however you cannot use it for online transaction. This functionality will be restored after you receive and activate the new card.

What is a Supplementary Credit Card?

A supplementary credit card is a card that is linked to the primary card holder and allows you to extend the benefits of your credit card to people close to you. Generally, the credit limit of your primary card will be shared with your supplementary card(s), and as a primary cardholder, your monthly card statement will list out all the transactions made through both primary and supplementary cards.

Is there an income requirement for the supplementary cardholder?  

The income requirement does not apply to supplementary cardholder as it will be assessed against the primary cardholder.

Some merchants charge an additional fee of around 3% on the transaction amount if I pay by credit card. Is it reasonable?

Some merchants in Vietnam charge this additional fee if customer pays by credit card. If you accept this additional charge, you will not be able to claim this amount back from the bank or from Visa / Mastercard.

What is a Cash Back Credit Card and how is it different from other credit cards?

HSBC Cash Back Credit Card is the credit card that specially designed to reduce the burden of your monthly expenses by giving you cash rebates on your eligible transactions, which means this credit card offers you the best value for your money.

What benefit will I get on my HSBC Cash Back Credit card?

Details of cash back benefit of HSBC Cash Back credit card

Purchase Category Cash Back Rate Maximum Cash Back

Supermarket and Grocery Stores
  1. 6%
  2. Additional 2% (a total of 8%) if Cardholders have their monthly salary credited into HSBC transactional accounts

VND 200,000 per month
Education and Insurance 1% Unlimited
Others 0.3% Unlimited

Details of cash back benefit of HSBC Cash Back credit card

Purchase Category
Supermarket and Grocery Stores
Cash Back Rate
  1. 6%
  2. Additional 2% (a total of 8%) if Cardholders have their monthly salary credited into HSBC transactional accounts
Maximum Cash Back
VND 200,000 per month
Purchase Category Education and Insurance
Cash Back Rate 1%
Maximum Cash Back Unlimited
Purchase Category Others
Cash Back Rate 0.3%
Maximum Cash Back Unlimited

Please refer to HSBC Cash Back Credit Card Terms and Conditions in the Bank’s website for details.

How is Cash Back calculated for HSBC Cash Back credit card?

By using the Card, Cardholders will earn Cash Back that is calculated based on:

  • Eligible Purchases posted to the Cardholder's account
  • Cash Back Rate as defined by the Bank

The table below provides an illustration.
The statement date is 21st. The cash back amount is calculated and credited to the card account as below:

Spending activities
17-Aug 22-Aug 28-Aug 1-Sep 13-Sep 21-Sep 22-Sep
1. Total spending at Supermarkets & Grocery Stores 1,500,000 1,000,000 1,200,000 200,000 700,000
500,000     0
1. 6% cash back 90,000 60,000 72,000 18,000 42,000 30,000 0
1. Cash back earned (Cap VND200,000/month)
90,000 60,000 50,000 18,000 42,000
30,000 0
2. Total spending at Education or Insurance 15,000,000 0 0 10,000,000 0 0 0
2. Cash back earned
150,000 0 0 100,000 0 0 0
3. Total spending at other categories 0 5,000,000 0 0 15,000,000 0 0
3. Cash back earned 0 25,000
0 0 75,000 0 0
3. Cash back credited (after billing cycle date) N/A 240,000   N/A N/A N/A N/A 400,000

The table below provides an illustration.
The statement date is 21st. The cash back amount is calculated and credited to the card account as below:

Spending activities
1. Total spending at Supermarkets & Grocery Stores
17-Aug 1,500,000
22-Aug 1,000,000
28-Aug 1,200,000
1-Sep 200,000
13-Sep 700,000
21-Sep 500,000    
22-Sep 0
Spending activities
1. 6% cash back
17-Aug 90,000
22-Aug 60,000
28-Aug 72,000
1-Sep 18,000
13-Sep 42,000
21-Sep 30,000
22-Sep 0
Spending activities
1. Cash back earned (Cap VND200,000/month)
17-Aug 90,000
22-Aug 60,000
28-Aug 50,000
1-Sep 18,000
13-Sep 42,000
21-Sep 30,000
22-Sep 0
Spending activities
2. Total spending at Education or Insurance
17-Aug 15,000,000
22-Aug 0
28-Aug 0
1-Sep 10,000,000
13-Sep 0
21-Sep 0
22-Sep 0
Spending activities
2. Cash back earned
17-Aug 150,000
22-Aug 0
28-Aug 0
1-Sep 100,000
13-Sep 0
21-Sep 0
22-Sep 0
Spending activities
3. Total spending at other categories
17-Aug 0
22-Aug 5,000,000
28-Aug 0
1-Sep 0
13-Sep 15,000,000
21-Sep 0
22-Sep 0
Spending activities
3. Cash back earned
17-Aug 0
22-Aug 25,000
28-Aug 0
1-Sep 0
13-Sep 75,000
21-Sep 0
22-Sep 0
Spending activities
3. Cash back credited (after billing cycle date)
17-Aug N/A
22-Aug 240,000  
28-Aug N/A
1-Sep N/A
13-Sep N/A
21-Sep N/A
22-Sep 400,000

What is an Eligible Purchase which is eligible for cash back of HSBC Cash Back credit card?  

“Eligible Purchases" are retail purchases made locally and/or overseas (including online transactions) by both Primary & Supplementary cards linked to the Primary account.

Please refer to HSBC Cash Back Credit Card Terms and Conditions in the Bank’s website for details.

When should I credit my monthly Salary into HSBC transactional account so that I can receive additional 2% Cash Back for spending at Supermarket and Grocery Stores with HSBC Cash Back credit card?

The application of additional 2% Cash Back apply for those having Salary credits to HSBC system* from 1st day to last day of the first month (both days inclusive). Customers will be eligible for additional Cash Back rate for specified purchase categories latest from the 7th working day of the 2nd month (1st month is the month customers credits monthly salary to HSBC account) to end of the 6th working day of the 3rd month. The additional Cash Back rate will be continuously applied if Customers keep receiving salary to HSBC accounts in the following months.

*Note: Salary credits will be counted according to prevailing HSBC’s policy.

 

Scenario 1: Customer A receives salary to HSBC account in August 2018. As such, 12 September 2018 is the 7th working day of the 2nd month (since 02 September 2018 is National holiday). Hence, for spends in the specified purchase categories:

  • 6% cash back rate applies before 12th Sep 2018
  • 8% cash back rate applies from 12th Sep to 8th Oct 2018

If customer A keeps receiving salary to HSBC account in the following months, the 8% cash back rate will be continuously applied.

 

Scenario 2: Customer B receives salary to HSBC account in September 2018. As such, 09 October 2018 is the 7th working day of the 2nd month. Hence, for spends in the specified purchase categories:

  • 6% cash back rate applies before 09th Oct
  • 8% cash back rate applies from 09th Oct to 8th Nov

If customer B then does not receive salary to HSBC account in Nov 2018, the 8% cash back rate will last until end of 10th Dec 2018. From 11th Dec 2018, the standard 6% cash back rate will be applied.

 

Scenario 3: Customer C receives salary to HSBC account in January 2019. As such, 18 February 2019 is the 7th working day of the 2nd month (assuming Tet holiday is tentatively from 04 to 08 February 2019). Hence, for spends in the specified purchase categories:

  • 6% cash back rate applies before 18th Feb 2019
  • 8% cash back rate applies from 18th Feb to 8th Mar 2019

If customer C keeps receiving salary to HSBC account in the following months, the 8% cash back rate will be continuously applied.

When is Cash Back of HSBC Cash Back credit card credited to my credit card account?

Cash Back will be automatically credited into the Cardholder's account on the next working day after the billing cycle day. Details of the amount credited will appear on the next billing cycle card statement.

What situations are all Cash back in my HSBC Cash Back credit card account forfeited?

  • Cards are voluntarily or involuntarily closed; or
  • Cards are terminated; or
  • There is any fraud and abuse relating to the earning of Cash Back; or
  • The Cardholder(s) breach any terms and conditions of the HSBC Credit Card Cardholder's Agreement.

Does cash back of HSBC Cash Back credit card offset my card payment amount?

Cash Back can be used to offset with any future retail purchases or offset with any negative earned Cash Back, but cannot be transferred, withdrawn as cash or used to offset the Card payment.  

Have I earned rewards points for every spending with HSBC credit card?

Yes, you can earn rewards points for every spending with HSBC Visa Platinum, Visa Classic and Premier World MasterCard credit cards.

How many rewards points will I earn for a spending of VND 1,000?

You will earn one (01) reward point for every spending of VND 1,000 of Eligible Purchases posted to the Card account. The Reward points generated by Supplementary Cardholders shall automatically accrue to the Primary Cardholder’s account. “Eligible Purchases" are retail purchases made locally and/or overseas (including online transactions) by both Primary & Supplementary cards linked to the Primary account. Please refer to HSBC Rewards Programme Terms and Conditions in the Bank’s website for details.

What is the validity of the rewards points?  

The Reward points earned will be valid in the accumulated year and the next two (2) years. The Reward points earned during the 1st year of card membership, if not redeemed, will expire at the end of the 3rd year of card membership. The Reward points earned during the 2nd year of card membership, if not redeemed, will expire at the end of the 4th year and so on. The 1st year of card membership begins from the date of credit card issuance. For instance, for a card issued on 10 January 2018, the Reward points earned from 10 January 2018 to 10 January 2019, if unredeemed, will expire on 31 January 2021.

The Reward points will be expired on the last business day of the expiry month showing on the credit card statement. For instance, if the credit card statement shows the points will be expired in August 2018, it means that the points will be expired on 31 August 2018 (31 August 2018 is the last business day in August 2018).

You may only redeem the Reward points within the validity period and no later than one (01) business day before the Reward points’ expiry date. The Reward points will be forfeited and the Bank will not accept any redemption request thereafter.

What benefit will I get from the rewards points?  

Reward points can be redeemed against Rewards Catalogue updated on the Bank’s website, including: Annual Fees, Cash Back, Gift Vouchers, Gifts, Charities, and Miles by Primary Cardholder. Reward points cannot be exchanged for cash or used to obtain cash advances, or used against payments of any charges.

How can I redeem rewards points?

Cardholders can redeem Rewards points following instructions updated on the Bank’s website. Redemption requests are only valid with the gifts/gift vouchers in place. Any redemption request received by the Bank will be fulfilled within thirty (30) business days from the date of receipt. Cardholders can call our Customer Service hotline to track gift delivery.

What kinds of SMS alert are there? When can I receive SMS to notify about transaction and payment?

Details of SMS alert type and delivery time

SMS type Sending time
SMS notification of transaction approved.

SMS to be sent to customers’ right after a transaction hits the Bank’s system and gets the approved result.



Note: SMS alerts are provided for all local and foreign retail purchases successfully made at merchants, online transactions, MOTO-mail orders and telephone orders and cash advances. SMS alerts will not be provided for other types of transactions, including but not limited, card activation, balance check at ATM or POS, auto payment of periodical at merchants (recurring transaction).

SMS notification of transaction declined due to: over limit, card/account fraud block, non-activation, overdue.
SMS to be sent to customers’ right after a transaction hits the Bank’s system and gets the declined result.
SMS notification of payment received. SMS to be sent to customers after the payment is credited to the card account.
SMS mini-statement

SMS to be sent to customers after bank card statement issued.


Note: SMS to inform customers about payment due date, minimum payment due amount and statement balance.

Details of SMS alert type and delivery time

SMS type SMS notification of transaction approved.
Sending time

SMS to be sent to customers’ right after a transaction hits the Bank’s system and gets the approved result.



Note: SMS alerts are provided for all local and foreign retail purchases successfully made at merchants, online transactions, MOTO-mail orders and telephone orders and cash advances. SMS alerts will not be provided for other types of transactions, including but not limited, card activation, balance check at ATM or POS, auto payment of periodical at merchants (recurring transaction).

SMS type SMS notification of transaction declined due to: over limit, card/account fraud block, non-activation, overdue.
Sending time SMS to be sent to customers’ right after a transaction hits the Bank’s system and gets the declined result.
SMS type SMS notification of payment received.
Sending time SMS to be sent to customers after the payment is credited to the card account.
SMS type SMS mini-statement
Sending time

SMS to be sent to customers after bank card statement issued.


Note: SMS to inform customers about payment due date, minimum payment due amount and statement balance.

In case my outstanding balance is credit status, how can I see it in the SMS alert?

For the outstanding balance with credit status, you will see a dash “-“ at the end of the amount.

Example: The TD X1234 thuc hien giao dich/Your card has been used:VND500,000 on 15/08/18 Du no HT/Current Bal:VND1,000,000- Han muc KD/Avail.Limit:VND20,000,000.

What is the current balance in the SMS alert?  

This is the total outstanding balance in your card account, that also includes installment transactions balance.

How do I apply for this SMS transaction alert service?

This service is automatically provided to all HSBC Credit cardholders. No enrolment is required.  

Do I have to pay for this SMS transaction alert?  

No. This service is provided to you free of charge by HSBC for your banking convenience and enhanced security.  

Why did not I receive SMS transaction alert?

SMS message delivery may be delayed or failed in some circumstances beyond the Bank's control as it depends on the Network Service Providers. If the alert message is still not delivered to your registered mobile phone number, please check the following:

  1. Are you a supplementary cardholder? If yes, you will not receive SMS transaction alert as it is only sent to primary cardholder's registered mobile phone number.
  2. Did you change your mobile phone number recently? If yes, please make sure your new mobile number is already updated in the Bank's records.
  3. Have you opted out of SMS transaction service before? If yes, please call our Contact Center or visit the nearest counter of HSBC Branch/ Transaction office to opt in the service again.
  4. The transaction type is not applied for SMS service.

If the answer is "No" for all above questions, please call our Contact Center for assistance.

If I have made a transaction in foreign currency, will the SMS alert show the transaction in local currency or in that particular foreign currency?

You will receive the SMS indicating the amount spent in that particular foreign currency.

How much could I withdraw cash overseas with my HSBC Credit Card?

The maximum amount of overseas cash withdrawal limit is VND 16 million/day provided that the amount does not exceed your approved cash credit limit.

Can I use my credit card to withdraw cash at Point of Sales terminal?

As per State Bank of Vietnam’s regulations, customers are not allowed to use their HSBC Credit card to:

  • Withdraw cash instead of purchase goods or services provided at Points of Sales terminal (POS).
  • Purchase goods or services which are not authorized as per State Bank of Vietnam’s regulations.

The Bank shall consider to take appropriate actions from time to time to handle those transactions and credit card accounts that have been suspected, believed or had knowledge that violating the mentioning regulations.

What is Automatic Billing Updater for recurring transaction for HSBC Premier World Mastercard® Credit Card?

Automatic Billing Updater for recurring transaction for HSBC Premier World Mastercard® Credit Card is the function which would update new valid card information where the old card is charged for recurring transactions.

For recurring transactions on your credit card, you no longer need to update card details when your card is lost or stolen or damage or expired.

New credit card details will be updated automatically and you continue to enjoy uninterrupted service.

This functionality will be updated for existing and new customers without enrollment.

The function is enable from 29 June 2020.

If I receive a new credit card having unchanged card number, do I need to update information of this new card for all my current online recurring transactions?

Each merchant has different requirements for processing recurring transactions. If you receive a new credit card with the card number unchanged (due to card damage or renewal), your current online recurring transactions, charged on your credit card will continue to be processed without any information update or activating your new card. This is to keep your payments process seamless and avoid any interruption in service.

If you have any need to stop these recurring transactions, please contact merchants directly to request the termination following to their guides.

How can I get the Personal Identification Number (PIN) of my Credit Cards?

For new or replacement Cards bearing new Card numbers, your PIN to access ATM facilities can be received by sending SMS, from your mobile number registered with HSBC, with the following syntax: HSBC CC_last 4 digits of card number_last 6 characters of Passport (include a space between "HSBC" and "CC") to 8066 (SMS fee: VND 1,000/ SMS).

Important note:

  • Please immediately change this PIN and delete the SMS PIN you received from the bank.
  • PIN via SMS will be applied for mobile phone numbers of Mobifone, Vinaphone, Viettel, Vietnamobile network. For mobile phone numbers of other networks, or overseas mobile phone numbers, or mobile phone numbers newly updated with HSBC within 30 days or other cases not mentioned above, please call (84 28) 37 247 248 for assistance.
  • SMS PIN is delivered one time only, HSBC will not resend the PIN again. To reset PIN for your Card, please call (84 28) 37 247 248 for assistance.
  • Please update the new phone number with the Bank if any, and only use the phone number registered with the Bank for the service of receiving PIN via SMS.
  • For renewal or replacement Cards bearing the existing Card number, you may continue to use your current PIN.