HSBC Cash Back Visa Card | Cash Rebate Credit Card

Ideal for unlimited cash back on your daily spends

Become an HSBC Cash Back Credit Cardholder to enjoy flexibility and freedom by earning unlimited cash back on every spends by tailor-made offers for supermarkets, education and insurance.

Get a Welcome Offer of VND 2,100,000 for new Primary Cardholders

Apply online now for an HSBC Visa Cash Back Credit Card This link will open in a new window

Read details of sign-up offers’ T&Cs

Already have a credit card? Refer your friends and enjoy rewards of up to VND 5,000,000

Enjoy outstanding features of Visa Cash Back Card

Up to 8% Cash Back

on daily spends at Supermarkets and grocery stores

Unlimited 0.3 % cash back

on all other spends

Unlimited 1% cash back

on insurance and education spends

up to 55 days

Interest free period

Terms & Conditions apply (PDF, 276KB)

What is Visa Cash Back Credit Card?

A Cash Back credit card lets you earn back a percentage of what you spent. The rebate will be credited to your primary credit card account. You can use it to make other purchases or repay your credit card balance.

Card offers and rewards

Spend Instalment on HSBC Vietnam App

This link will open in a new window

Convert your credit card purchases into flexible monthly instalments.

0% interest Instalment Plan with no conversion fee

This link will open in a new window

Get your favorite items and convert into 0% interest instalment plan no fee, tenors up to 24 months at HSBC partners.

0% Instalment Plan with low conversion fee

This link will open in a new window

Make any purchases valued from VND 2 million and above using your HSBC Credit Card at any merchants that are not in HSBC partner list and easily convert into 0% instalment plan with conversion fee only from 1.99%.

Daily offers

This link will open in a new window

Up to 50% off dining, entertainment, shopping, travelling, spa and beauty everyday at hundreds of HSBC partners.

home&Away offers

This link will open in a new window

Up to 50% discount around the year at hundreds of HSBC's worldwide partners

Reward programme

Earn reward points on everyday spends and redeem for attractive gifts such as cash back, annual fee, airline miles or shopping, dining, supermarket vouchers…

Member-Get-Member Offers

This link will open in a new window

Refer your friends and family to be primary HSBC Visa Credit cardholders and enjoy rewards of up to VND 5,000,000.

Who can apply

To be eligible for an HSBC Visa Cask Back Credit Card, you must meet the following requirements:

All applicants must be at least 18 years of age.
A minimum monthly income of:
- VND 9 million for salaried earners who are Vietnamese and VND 15 million for foreigners.
- VND 15 million for Vietnamese who are self-employed/ business owners.
Residing in cities, provinces: Hanoi, Ho Chi Minh City, Dong Nai, Binh Duong, Long An, Da Nang, Hue, Hoi An, Ba Ria - Vung Tau, Tay Ninh, Bac Ninh, Vinh Phuc, Hung Yen, Hai Duong, Hai Phong.
Foreigners staying in Vietnam have residence permission in Vietnam for at least 12 CONSECUTIVE months at the time of application.
Not meet the above income requirements? You can apply for our Credit card with a term deposit collateral.

See what you need to apply:

Completed credit card application form
Identification documents of primary and supplementary applicant(s)
Current residential proof
Employment & Income documents of primary applicant

You will be required to submit these supporting documents (PDF, 307KB).

What you should know about credit cards

Regarding the credit card

User guide and tips

You may refer the HSBC Visa Platinum Cashback limit as below table
Credit Card type	HSBC Visa Platinum Cashback
Credit card's physical card validity	05 years since issuance date. The bank will automatically issue new physical card 01 month prior the card expiry date
Credit limit	From VND 15 million to VND 1 billion
Purchase limit	Up to 100% credit limit
Cash withdrawal limit	Up to 30% credit limit
Domestic cash withdrawal limit	Up to 30% credit limit
Overseas cash withdrawal limit	Up to 30% credit limit and VND 30 million per day (subject to which one is lower)
Supplementary cards	Primary cardholder can open maximum 2 supplementary cards for direct relatives

You may refer the HSBC Visa Platinum Cashback limit as below table
Credit Card type	Credit card's physical card validity
HSBC Visa Platinum Cashback	05 years since issuance date. The bank will automatically issue new physical card 01 month prior the card expiry date

Credit Card type	Credit limit
HSBC Visa Platinum Cashback	From VND 15 million to VND 1 billion

Credit Card type	Purchase limit
HSBC Visa Platinum Cashback	Up to 100% credit limit

Credit Card type	Cash withdrawal limit
HSBC Visa Platinum Cashback	Up to 30% credit limit

Credit Card type	Domestic cash withdrawal limit
HSBC Visa Platinum Cashback	Up to 30% credit limit

Credit Card type	Overseas cash withdrawal limit
HSBC Visa Platinum Cashback	Up to 30% credit limit and VND 30 million per day (subject to which one is lower)

Credit Card type	Supplementary cards
HSBC Visa Platinum Cashback	Primary cardholder can open maximum 2 supplementary cards for direct relatives

Note

Overseas cash withdrawal limit must followed SBV's regulation.
If you apply for a supplementary credit card, say for your spouse or a family member, your credit limit won't increase. Instead, supplementary card will share the same total credit limit of the primary card.

You may refer to some of Cash Back Credit Card Fees and Charges as below table
Type of fees and charges	Details
Annual Fee - Primary Card	VND800,000
Annual Fee - Supplementary Card	VND400,000
Cash advance fee at ATM (per transaction)	4% of cash advance amount (minimum VND50,000)
Minimum payment due	include the following amounts: 5% of the outstanding balance^* (minimum VND50,000), and any installment repayment amount^*, and the greater of the overdue amount or over limit amount ^The outstanding balance is statement balance amount less any installment repayment amounts ^**Applicable to installment transactions made from 28 Nov 2015
Finance charge	33%/ year (nil if no cash advance is used and the full statement balance is paid by due date each month) The finance charge may be changed from time to time in accordance with the local regulatory requirements
Late charge	4% of minimum amount due (minimum VND80,000 – maximum VND630,000)
Administration fee applied for foreign currency transactions	3.5% of each transaction amount
Over credit limit fee	VND100,000

You may refer to some of Cash Back Credit Card Fees and Charges as below table
Type of fees and charges	Annual Fee - Primary Card
Details	VND800,000

Type of fees and charges	Annual Fee - Supplementary Card
Details	VND400,000

Type of fees and charges	Cash advance fee at ATM (per transaction)
Details	4% of cash advance amount (minimum VND50,000)

Type of fees and charges	Minimum payment due
Details	include the following amounts: 5% of the outstanding balance^* (minimum VND50,000), and any installment repayment amount^*, and the greater of the overdue amount or over limit amount ^The outstanding balance is statement balance amount less any installment repayment amounts ^**Applicable to installment transactions made from 28 Nov 2015

Type of fees and charges	Finance charge
Details	33%/ year (nil if no cash advance is used and the full statement balance is paid by due date each month) The finance charge may be changed from time to time in accordance with the local regulatory requirements

Type of fees and charges	Late charge
Details	4% of minimum amount due (minimum VND80,000 – maximum VND630,000)

Type of fees and charges	Administration fee applied for foreign currency transactions
Details	3.5% of each transaction amount

Type of fees and charges	Over credit limit fee
Details	VND100,000

For more details, please refer to our Personcal Banking Tariff (PDF, 747KB)

You can easily settle your credit card outstanding balance via 5 available convenient channels:

1. AutoPay: Direct debited from your designated HSBC bank account on the payment due date. To enroll, call our Contact Center or visit a nearby Branch/ T.O to fill in a form.

2. Cash deposit at our Branches/ T.Os: Visit our Branches/ T.Os in Vietnam to deposit cash to your credit card during our operating hours.

3. Transfer from your HSBC account: Simply transfer fund from your HSBC account to settle your HSBC credit card:

3.1. Through HSBC Online Banking; HSBC Vietnam Mobile banking application. To register, visit http://www.hsbc.com.vn/ or download “HSBC Vietnam” app on Apple Store (iOS) or Google Play Store (Android).

3.2. At HSBC Automated Teller Machine (ATM).

3.3. By calling HSBC Contact Center to request.

4. Transfer from account of other banks to your HSBC credit card.

Please provide accurate information in payment request as follows:

Beneficiary account number: 16 digits embossed on credit card
Beneficiary account name: Cardholder’s name
Beneficiary bank name: HSBC Vietnam
Beneficiary bank address: 235 Dong Khoi Street, Ben Nghe Ward, District 1, Ho Chi Minh City, Vietnam
Amount: Amount that you want to pay for your credit card balance
Narrative: Narrative that you want to enter (E.g. Card repayment…)

Note: Service fee for transfer request, if any, will be applied by Remittance bank, not by Beneficiary bank. Please contact your Remittance bank for more details.

5. Payment via connected stores of Payoo.

Apply online now

Complete the online application now to enjoy a Welcome Offer of

VND 2,100,000 for new Primary Cardholders

Apply online now for an HSBC Visa Cash Back Credit Card This link will open in a new window

Please make sure you've read the information under Who can apply and What you should know sections.

Step 1: Select the 'Apply online' button.

Step 2: Enter your details to receive a security code via SMS.

Step 3: Enter the security code.

Step 4: Follow the instructions on the screen to continue your application.

Step 5: Prepare and upload the required documents.

Step 6: Submit your completed application.

We'll process your application within the next 1-2 working days.

Frequently asked questions

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 Aug 2018. As such, 12th Sep 2018 is the 7th working day of the 2nd month (since 2nd Sep 2018 is National holiday). Hence, for 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 Sep 2018. As such, 9th Oct 2018 is the 7th working day of the 2nd month. Hence, for for 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 Jan 2019. As such, 18th Feb 2019 is the 7th working day of the 2nd month (assuming Tet holiday is tentatively from 4th to 8th Feb 2019). Hence, for for 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.

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.

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.

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.

Read full FAQ to read the credit-cards faq

Explore more credit card features

How to activate your HSBC credit card

It's quick and easy to activate your card using the HSBC Vietnam app.

Find out more to check to credit card activation

Online Bill Payment

Don't miss a chance to experience the new online mobile top up and monthly auto bill payment feature on our HSBC Vietnam app today!

Supplementary Card

Spread your love – share and enjoy the same privileges, conveniences and rewards with your loved ones.

Contactless payment

Enjoy hassle-free spending experience with a simple tap of your HSBC Credit Card.

Samsung Pay

Experience an easy, fast and secure mobile payment service and enjoy great benefits dedicated for Credit cardholders.

3D Secure - SMS OTP

Experience a more convenient and secured way for HSBC card online transactions with SMS OTP.

HSBC Visa Platinum Cash Back Credit Card

Sign up for an HSBC Visa Cash Back Credit Card to get a Welcome Offer of VND 2,100,000

Ideal for unlimited cash back on your daily spends

Enjoy outstanding features of Visa Cash Back Card

What is Visa Cash Back Credit Card?

Card offers and rewards

Spend Instalment on HSBC Vietnam App

0% interest Instalment Plan with no conversion fee

0% Instalment Plan with low conversion fee

Daily offers

home&Away offers

Reward programme

Member-Get-Member Offers

Who can apply

Eligibility

Required documents

What you should know about credit cards

Useful information and related documents of credit cards

Fees and Charges

How to make credit card payment

Apply online now

How to apply for a Visa card online

Frequently asked questions

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?

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

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

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

Explore more credit card features

How to activate your HSBC credit card

Online Bill Payment

Supplementary Card

Contactless payment

Samsung Pay

3D Secure - SMS OTP