HSBC Cash Back Credit Card

Earn cashback on every spend

Save on your daily expenses with attractive cashback offers from the HSBC Cash Back Credit Card.

Apply now

Get up to 8% cashback on your daily spending at supermarkets and grocery stores.

Enjoy your life to the fullest with an unlimited 1% cashback on your healthcare spending.

Build up a brighter future with an unlimited 1% cashback on your education spending.

Boost it up with an unlimited 0.3% cashback on all other domestic and overseas spending.

HSBC Cash Back Credit Card perks and privileges

Cashback at supermarkets and grocery stores

Save more on your everyday spending.

Up to 8% cashback at supermarkets and grocery stores, capped at VND200,000 a month (6% for all customers, and an extra 2% for payroll customers)¹
Cashback applies to every in-store and online transaction at supermarkets and grocery stores with the listed merchant category codes (MCC)¹

Cashback on healthcare and education spending

Build a better future together with your loved ones with HSBC Cash Back Credit Card.

Unlimited 1% cashback on all healthcare and education spending¹
Cashback applies to all in-store and online transactions at the points of sales with the listed merchant category codes (MCC)¹

More cashback on all other spending

Get your other day-to-day needs fulfilled, and get unlimited cashback on all other spending.

Earn an unlimited 0.3% cashback on all other spending
Shop to your heart's content with deals of up to 50% at hundreds of our partners, every day

Explore all daily card offers This link will open in a new window

Life with even more perks

Get more out of life

With our exclusive dining programme and curated offers with Visa Concierge - see Visa Concierge website
Spend and repay, guilt-free

Interest-free period of up to 55 days.
Turn purchases into monthly instalments

That can be paid over up to 36 months, with Spend Instalment on the HSBC Vietnam app.

Split big purchases – no interest

At our partner merchants with an Instalment Plan, no interest for up to 24 months.
Discover even more deals

With our home&Away offers, daily deals, and member-get-member offers.

Things you need to know

Who can apply?

To apply for an HSBC Cash Back Credit Card, you must meet all of the following criteria:

Be at least 21 years old;
Have a minimum monthly income transferred from a company account – VND9 million if you're a salaried Vietnamese citizen; or VND40 million if you're a self-employed Vietnamese citizen, a salaried foreigner or a business owner who's also a Vietnamese citizen;
Be working and residing in the following cities or provinces: Phu Tho, Bac Ninh, Quang Ninh, Hung Yen, Ha Noi, Hai Phong, Ninh Binh, Hue, Da Nang, Dong Nai, Ho Chi Minh City, Tay Ninh, Can Tho, Dong Thap;
If you're a foreigner staying in Vietnam, your identification documents and residence proofs must be valid for at least 2 months from the time of card application.

You'll need to submit the following information to apply for this credit card:

A completed credit card application form
Identification documents for the primary cardholder and any supplementary cardholders
Current proof of address
Employment and income documents for the primary cardholder

You can learn more about what you need to submit from our list of required documents (PDF).

The following table shows a summary of some of the fees and charges for this credit card. For the full and most up-to-date details, please refer to our personal banking tariffs guide (PDF).
Fees and charges	Details
Issuance fee (primary card)	VND800,000²
Issuance fee (supplementary card)	VND400,000²
Annual fee (primary card)	VND800,000²
Annual fee (supplementary card)	VND400,000²
ATM cash advance fee (per transaction)	4% of the cash advance amount (minimum VND50,000)
Minimum payment due	Includes all of the following amounts: - 5% of the statement balance, less any instalment repayment amounts, minimum VND50,000 and - any instalment repayment amounts (if any) - the greater of the overdue amount or over-limit amount
Finance charge	38.9% per year, or no charge if no cash advance has been used and the full statement balance was paid by the due date of each statement. Please note that the finance charge may change from time to time per local regulatory requirements.
Late charge	3% of statement balance (minimum VND80,000, capped at VND630,000)
Administrative fee for overseas transactions (per transaction)	3.5% of the transaction amount
Over credit limit fee	VND100,000

The following table shows a summary of some of the fees and charges for this credit card. For the full and most up-to-date details, please refer to our personal banking tariffs guide (PDF).
Fees and charges	Issuance fee (primary card)
Details	VND800,000²

Fees and charges	Issuance fee (supplementary card)
Details	VND400,000²

Fees and charges	Annual fee (primary card)
Details	VND800,000²

Fees and charges	Annual fee (supplementary card)
Details	VND400,000²

Fees and charges	ATM cash advance fee (per transaction)
Details	4% of the cash advance amount (minimum VND50,000)

Fees and charges	Minimum payment due
Details	Includes all of the following amounts: - 5% of the statement balance, less any instalment repayment amounts, minimum VND50,000 and - any instalment repayment amounts (if any) - the greater of the overdue amount or over-limit amount

Fees and charges	Finance charge
Details	38.9% per year, or no charge if no cash advance has been used and the full statement balance was paid by the due date of each statement. Please note that the finance charge may change from time to time per local regulatory requirements.

Fees and charges	Late charge
Details	3% of statement balance (minimum VND80,000, capped at VND630,000)

Fees and charges	Administrative fee for overseas transactions (per transaction)
Details	3.5% of the transaction amount

Fees and charges	Over credit limit fee
Details	VND100,000

The following table shows a summary of limits that you should keep in mind with your credit card.
Limit	HSBC Cash Back Credit Card
Physical card validity	5 years since issuance date, subject to terms and conditions mentioned in Credit Card Cardholder Agreement (PDF).
Credit limit	From VND15 million to VND1 billion
Purchase limit	Up to 100% of the credit limit (overlimit is allowed within our accepted limit)
Cash withdrawal limit	Up to 30% of the credit limit, capped at VND100 million per month; and limit of each transaction and each day is as following, depending on whichever lower: Domestic: VND16 million per transaction Overseas: VND16 million per transaction or VND30 million per day
Supplementary cards	Up to 2 supplementary cards for direct relatives of the primary cardholder

The following table shows a summary of limits that you should keep in mind with your credit card.
Limit	Physical card validity
HSBC Cash Back Credit Card	5 years since issuance date, subject to terms and conditions mentioned in Credit Card Cardholder Agreement (PDF).

Limit	Credit limit
HSBC Cash Back Credit Card	From VND15 million to VND1 billion

Limit	Purchase limit
HSBC Cash Back Credit Card	Up to 100% of the credit limit (overlimit is allowed within our accepted limit)

Limit	Cash withdrawal limit
HSBC Cash Back Credit Card	Up to 30% of the credit limit, capped at VND100 million per month; and limit of each transaction and each day is as following, depending on whichever lower: Domestic: VND16 million per transaction Overseas: VND16 million per transaction or VND30 million per day

Limit	Supplementary cards
HSBC Cash Back Credit Card	Up to 2 supplementary cards for direct relatives of the primary cardholder

Please note:

Your overseas cash withdrawal limit is subject to State Bank of Vietnam (SBV) regulations
You can apply for a supplementary card for your spouse or family member. But your credit limit won't increase. Instead, the total credit limit will be shared across both the supplementary cards and the primary card

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Ready to enjoy amazing rewards?

Apply online in just a few steps and enjoy our latest welcome offer.

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Continue your application

To continue with your application, select the 'Resume application' button below.

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Frequently asked questions

Here's how to apply for an HSBC Cash Back Credit Card online.

Select the 'Apply online' button on this page.
Follow the instructions on the screen to continue your application.
Upload the required documents (if any).
Enter your details to receive a security code via SMS.
Enter the security code to submit your completed application.

When you've submitted your application successfully, we'll send you a confirmation via email. Our staff will get in touch with you within 1 to 2 working days.

To enjoy the additional 2% cashback, your salary must be credited to your HSBC account between the first and last day of the first month (both days inclusive). That is, the first month that you hold the HSBC Cash Back Credit Card.

The offer will be applied from the seventh working day of the following month onwards. You can then enjoy the offer for specified purchase categories. And you can continue to enjoy it for as long as your salary is credited to your HSBC account.

Please note that your salary will be counted, per our prevailing policy.

Here are a few illustrative scenarios on how this offer works.

Scenario 1

Your salary is credited to your HSBC account in August 2024. Therefore, 12 September 2024 is the seventh working day of the next month (since 2 September 2024 is national holiday). Hence, for Supermarket and Grocery Stores purchases, you’ll get:

6% cashback before 12 September 2024
8% cashback from 12 September 2024 to 8 October 2024

You’ll continue to enjoy 8% cashback for supermarket and grocery store purchases as long as your salary is credited to your HSBC account in the following months.

Scenario 2

Your salary is credited to HSBC account in September 2024. Therefore, 9 October 2024 is the seventh working day of the next month. Hence, for supermarket and grocery store purchases, you’ll get:

6% cashback before 9 October 2024
8% cashback from 9 October to 8 November 2024

If your salary is not credited to your HSBC account in November 2024, you’ll only enjoy 8% cashback until 10 December 2024. From 11 December 2024, you’ll have the standard 6% cashback rate.

Scenario 3

Your salary is credited to your HSBC account in January 2025. Therefore, 11 February 2025 is the seventh working day of the next month with the assumption that the Tet holiday would be from 25 January 2025 to 2 February 2025. Hence, for supermarket and grocery store purchases, you’ll get:

6% cashback before 11 February 2025
8% cashback from 11 February 2025 to 10 March 2025

You’ll enjoy 8% cashback for supermarket and grocery store purchases as long as your salary is credited to your HSBC account in the following months.

We'll credit the cashback to your card automatically. We’ll do this 2 working days after the statement date on your credit card statement.

The amount credited will be shown in your credit card transaction details as 'Cashback credited'. You can find its details in HSBC Online Banking, the HSBC Vietnam app, or on your next credit card statement.

You'll forfeit all the cashback you've earned on your credit card:

If you close your credit card account or if we close your credit card account
When your credit card is terminated
If we suspect, believe or otherwise know that there has been fraud or abuse in earning cashback with your credit card
If you breach any of the terms and conditions in the HSBC Credit Card Cardholder's Agreement

Yes, you can use the cashback you've earned to offset any:

Retail purchase transactions that are posted on our systems, but not billed in your credit card statement yet
Future retail purchase transactions
Negative cashback amounts, which may happen when a transaction has been reversed

Please note that cashback cannot be transferred, withdrawn as cash, or used to pay any credit card statement generated before the cashback was credited

See all credit card FAQs

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

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

Refer a friend or family member and get up to VND5 million in cash rewards.

Convert your credit card purchases into flexible monthly instalments of up to 36 months.

Notes

¹For details, please refer to the HSBC Cash Back Credit Card terms and conditions (PDF).

²Special issuance fee and annual fee offers apply for customers whose monthly salary is credited to an HSBC account. Please refer to the 'HSBC payroll offers' section in our bank tariffs (PDF).

Earn cashback on every spend

Our welcome offer to you

Get up to 8% cashback on daily spending

At supermarkets and grocery stores

On your healthcare expenses

On your education fees

And on more spending

HSBC Cash Back Credit Card perks and privileges

Cashback at supermarkets and grocery stores

Cashback on healthcare and education spending

More cashback on all other spending

Life with even more perks

Things you need to know

Who can apply?

What you need to apply

Important information and documents

Fees and charges

Card limits to take note of

Apply now

Ready to enjoy amazing rewards?

Continue your application

Frequently asked questions

What steps should I follow to apply for this credit card online?

When should I credit my salary into my HSBC account so I can get the extra 2% cashback?

When will the cashback be credited to my credit card account?

When might I forfeit all the cashback I've earned on my credit card?

Can I use the cashback on my credit card to offset my credit card repayments?

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Notes

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