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No annual fee forever and buy now pay later with 0% interest instalment plan

Break free from a boring life, crave new experience and pursue your passions with an explosive FREE COMBO of LiveFree Card now!

Get 100% Interest Rebate in the first 3 statements

Additional VND 300,000 cash back when having from 2 services made on HSBC Online Banking or the HSBC Vietnam App

Apply online now for an HSBC Visa Classic Credity 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 free fees and daily privileges

100% interest rebate for the first 3 statements
0% interest instalment plan without conversion fee at hunders of HSBC's partners
0% interest instalment plan with low conversion fee only from 1.25% applied for spending from VND 2 million at any merchants (exclude HSBC’s partners)

Terms and Conditions apply.

For features and benefits of the HSBC Visa Classic Credit Card opened before 01 April 2022, please visit FAQs for HSBC Visa Classic Credit Card.

Buy 2 CGV 2D tickets only from VND 100,000
Daily discount up to 50%
Interest-free period of up to 55 days

Card offers and rewards

Spend Instalment on HSBC Vietnam App

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Convert your credit card purchases into flexible monthly instalments.

0% interest Instalment Plan with no conversion fee

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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

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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 1.25%.

Daily offers

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

home&Away offers

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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

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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 Classic Credit Card, you must meet the following requirements:

All applicants must be at least 18 years of age.
A minimum monthly income of:
- VND 8 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).

Apply online now

Complete the online application now to enjoy 100% Interest Rebate in the first 03 statements

Complete the online application now to enjoy 100% Interest Rebate in the first 3 statements & Additional VND 300,000 cash back when having from 2 services made on HSBC Online Banking or the HSBC Vietnam App

Apply online now for an HSBC Visa Classic Credity Card This link will open in a new window

Before applying, please make sure you read the information under the 'What you should know before applying' and ‘Eligibility & Documents’ sections.

Select the 'Apply online' button.
Enter your details to receive a security code via SMS.
Enter the security code.
Follow the instructions on the screen to continue your application.
Prepare and upload the required documents.
Submit your completed application.

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

What you should know about credit cards

Regarding the credit card

User guide and tips

You may refer the HSBC Visa LiveFree Classic limit as below table
Credit Card type	HSBC Visa LiveFree Classic
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 9 million to VND 60 million
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 LiveFree Classic limit as below table
Credit Card type	Credit card's physical card validity
HSBC Visa LiveFree Classic	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 LiveFree Classic	From VND 9 million to VND 60 million

Credit Card type	Purchase limit
HSBC Visa LiveFree Classic	Up to 100% credit limit

Credit Card type	Cash withdrawal limit
HSBC Visa LiveFree Classic	Up to 30% credit limit

Credit Card type	Domestic cash withdrawal limit
HSBC Visa LiveFree Classic	Up to 30% credit limit

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

Credit Card type	Supplementary cards
HSBC Visa LiveFree Classic	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 Classic Credit Card Fees and Charges as below table
Type of fees and charges	Details
Annual Fee - Primary Card	No annual fee on the Card ever (^*)
Annual Fee - Supplementary Card	No annual fee on the Card ever (^*)
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	3.75% of each transaction amount
Over credit limit fee	VND100,000

You may refer to some of Classic Credit Card Fees and Charges as below table
Type of fees and charges	Annual Fee - Primary Card
Details	No annual fee on the Card ever (^*)

Type of fees and charges	Annual Fee - Supplementary Card
Details	No annual fee on the Card ever (^*)

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	3.75% of each transaction amount

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

(*) Applicable for cards booked from 01 April 2022. For other cases, annual fee is applied as mentioned in our Personal Banking Tariff.

For full details of Fees & Charges, 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.

Frequently asked questions

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.

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.

The assignment of credit card limit depends on a number of factors. In general, the maximum credit limit will be 4 times your monthly net income for Platinum Card, 3 times your monthly net income for Cash Back Card, and 2 times for Classic Card.

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

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

Read full FAQ to read all of the frequently asked questions and answers

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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 LiveFree Classic Credit Card

Sign up for an HSBC Visa Classic Credit Card to Get 100% Interest Rebate in the first 3 statements & get additional VND 300,000 cash back

No annual fee forever and buy now pay later with 0% interest instalment plan

Enjoy free fees and daily privileges

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

Apply online now

How to apply for a Visa card online

What you should know about credit cards

Useful information and related documents of credit cards

Fees and Charges

How to make credit card payment

Frequently asked questions

What can I do with an HSBC credit card?

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

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

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?

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