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Features of the HSBC Amanah MPower Visa Gold Credit Card-i

  • Shariah-Compliant Structure: The HSBC Amanah MPower Visa Gold Credit Card-i operates under the Islamic principle of Ujrah, ensuring all transactions and fees comply with Shariah laws. This structure avoids interest (riba) and uses a fee-based model for credit facilities, making it suitable for those seeking ethical banking aligned with Islamic principles. The card’s operations are overseen by HSBC Amanah’s Shariah Committee to ensure compliance, offering peace of mind to cardholders who prioritize religious adherence in their financial dealings.
  • Cashback on Everyday Spending: A standout feature is the cashback program, offering up to 8% cashback on petrol, groceries, and e-wallet transactions when monthly spending exceeds RM2,000. For spending below this threshold, cardholders earn 1% cashback on these categories, capped at RM15 per category per month. Additionally, an unlimited 0.2% cashback applies to all other eligible retail spending, both locally and overseas. Eligible merchants include all petrol stations in Malaysia, major supermarkets like Giant, Lotus’s (formerly Tesco), AEON BIG, and Mydin, and e-wallets such as SamsungPay, GrabPay, Touch ‘n Go, and FavePay. This structure encourages frequent use for daily essentials, maximizing savings.
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    • Lifetime Annual Fee Waiver: The card offers a lifetime annual fee waiver, eliminating the annual cost of RM90 for the principal card and RM45 for supplementary cards. This feature enhances cost-effectiveness, as cardholders can enjoy the card’s benefits without recurring fees, provided they meet basic usage conditions, such as swiping the card at least once a month for 12 consecutive months.
    • E-Commerce Purchase Protection: Online shopping with the HSBC Amanah MPower Visa Gold Credit Card-i is safeguarded with e-commerce purchase protection, covering eligible purchases up to USD200. This feature protects against non-delivery or defective items, providing reassurance for online transactions, which are increasingly common in today’s digital economy.
    • Charity Donation Program: A unique feature is the charity donation initiative, where HSBC Amanah contributes 1% of cardholders’ eligible charity spends to selected charitable organizations, up to a maximum of RM500,000 annually. This contribution is distributed quarterly among participating charities listed on HSBC Amanah’s website, allowing cardholders to support social causes effortlessly. Note that charity spends are not eligible for cashback, ensuring transparency in the program’s structure.
    • Balance Transfer Instalment Plan: The card includes a Balance Transfer Instalment (BTI) plan, enabling cardholders to consolidate outstanding balances from other credit cards onto the HSBC Amanah MPower Visa Gold Credit Card-i. This plan offers a low one-time upfront handling fee of 3.88% for a 12-month repayment period, simplifying debt management and potentially reducing costs compared to higher interest rates on other cards.
    • Cash Instalment Plan (CIP): The Cash Instalment Plan allows cardholders to convert their available credit limit into instant cash, repayable over flexible tenures of up to 60 months. The plan features competitive management fees (3.88% p.a. for new-to-card customers and 4.88% p.a. for existing customers for 12 months) and requires no documentation for applications via the HSBC Malaysia Mobile App. The minimum amount for CIP is RM1,000, in multiples of 100, offering quick access to funds for emergencies or planned expenses.
    • Auto Balance Conversion: The Auto Balance Conversion program automatically converts eligible outstanding statement balances into a 36-month instalment plan at a 13% p.a. effective management fee. This feature requires no processing or early termination fees, providing a structured repayment option for cardholders who prefer predictable monthly payments without additional costs.
    • Contactless Payment Technology: The card supports contactless payments, allowing quick and secure transactions at participating merchants. This feature enhances convenience for everyday purchases, aligning with modern payment trends and reducing the need for physical card swipes.
    • Global Acceptance: As a Visa card, the HSBC Amanah MPower Visa Gold Credit Card-i is accepted at over 24 million locations worldwide, ensuring cardholders can use it for local and international transactions, including travel, dining, and shopping. This global reach makes it a versatile financial tool for those with diverse spending needs.
    • Supplementary Cards: Cardholders can apply for up to five supplementary cards for family members or trusted individuals aged 18 and above. Supplementary cards share the same credit limit and cashback benefits, allowing households to maximize rewards while maintaining centralized control over spending.
    • Advanced Security Features: The card incorporates sophisticated security measures, including EMV chip technology and fraud detection systems, to protect against unauthorized transactions. In case of loss or theft, cardholders can report issues 24/7 via the toll-free number 8885545255, ensuring prompt action to secure their account.
    • SMS Alerts and E-Statements: HSBC Amanah provides SMS alerts for real-time updates on account activities, helping cardholders monitor spending and detect suspicious transactions. E-statements, accessible via online banking, allow users to download and store up to 15 months of statements, supporting HSBC’s Go Green Initiative for a paperless environment.
    • Visa Benefits: As a Visa card, it offers additional perks through the Visa Benefits Portal, including access to the Visa Customer Service Centre for 24-hour support, price protection (refunding price differences on eligible purchases within 30 days), and extended warranty coverage for qualifying items. These benefits enhance the card’s value for frequent shoppers and travelers.
    • Flexible Credit Limit Adjustments: Cardholders can request to increase or decrease their credit limit through online forms, phone calls to HSBC’s customer service, or in-person visits to a branch. This flexibility allows users to tailor the card’s limit to their financial needs, subject to HSBC’s approval.
    • Smart Privileges Programme: The card grants access to HSBC’s Smart Privileges Programme, offering discounts and cashback at over 6,500 merchants nationwide, covering dining, shopping, and travel. Cardholders can track promotions via the “My Board” feature by logging into the program’s dashboard with their social media or email accounts.
    • Mobile App Integration: The HSBC Malaysia Mobile App enables cardholders to manage their accounts, apply for CIP, check application status, and make payments conveniently. This digital integration enhances user experience by providing on-the-go access to card services.
    • Low Finance Charges: For cardholders who settle the minimum payment (5% of the outstanding balance or RM50, whichever is higher) on time, the finance charge is a competitive 15% p.a., making the card cost-effective for those who carry a balance.
    • Environmental Commitment: The card is made from 100% recycled plastic, reflecting HSBC Amanah’s commitment to sustainability. This eco-friendly design appeals to environmentally conscious consumers who value green banking initiatives. This comprehensive set of features makes the HSBC Amanah MPower Visa Gold Credit Card-i a versatile and rewarding option for everyday spending, travel, and financial management, all within a Shariah-compliant framework. The combination of cashback, fee waivers, and digital tools ensures it meets diverse lifestyle needs while prioritizing security and ethical banking.
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Benefits of the HSBC Amanah MPower Visa Gold Credit Card-i

  • Significant Cashback Savings:
    • High Cashback Potential: Earn up to 8% cashback on petrol, groceries, and e-wallet transactions when monthly spending exceeds RM2,000. For example, spending RM2,500 on groceries at eligible merchants like Giant or AEON BIG could yield RM200 in cashback (capped at RM15 per category).
    • Consistent Savings: Even with lower monthly spending, enjoy 1% cashback on petrol, groceries, and e-wallets, and 0.2% on other retail purchases. This makes the card ideal for frequent shoppers and commuters.
  • Enhanced Online Shopping Security:
    • Purchase Protection: E-commerce purchase protection up to USD200 safeguards eligible online purchases against issues like non-delivery or product defects.
    • Digital Peace of Mind: Especially valuable in Malaysia’s booming online shopping scene, offering cardholders added security for electronics, fashion, and other digital transactions.
    • Support for Charitable Causes: This initiative resonates with socially responsible consumers who wish to support community welfare, with transparency ensured through quarterly updates on HSBC Amanah’s website.
    • Debt Consolidation Savings: For instance, transferring a RM10,000 balance could save significant interest compared to standard credit card rates, which often exceed 15% p.a., simplifying debt repayment and reducing costs.
    • Flexible Cash Access: This flexibility is ideal for emergencies, home improvements, or large purchases, with competitive management fees making it more affordable than traditional loans or cash advances.
    • Simplified Debt Management: The Auto Balance Conversion program converts outstanding balances into a 36-month instalment plan at a 13% p.a. management fee, with no processing or early termination fees.
    • Convenience of Contactless Payments: Contactless payment technology enables fast, secure transactions at participating merchants, streamlining purchases for busy lifestyles.
    • Global Usability: With acceptance at over 24 million locations worldwide, the card is a reliable companion for international travel and online shopping in foreign currencies.
    • Supplementary Card Benefits: Up to five supplementary cards allow family members to share the card’s benefits, including cashback and Smart Privileges discounts.
    • Robust Security: The ability to report lost or stolen cards immediately via dedicated hotlines minimizes financial risk, ensuring trust in the card’s safety.
    • Real-Time Account Management: SMS alerts and e-statements provide real-time updates and access to up to 15 months of transaction history, helping cardholders track spending and identify discrepancies quickly.
    • Visa-Exclusive Perks: Visa benefits, such as price protection and extended warranties, add value for shoppers. Access to the Visa Customer Service Centre ensures round-the-clock support for card-related queries.
    • Lifestyle Discounts: For example, cardholders can save on meals at popular restaurants or enjoy deals at malls like Mid Valley Megamall, elevating their lifestyle affordably.
    • Flexible Credit Limit Management: The ability to adjust credit limits through multiple channels (online, phone, or in-branch) allows cardholders to tailor the card to their financial needs.
    • Eco-Friendly Design: Made from 100% recycled plastic, the card supports environmental sustainability, appealing to eco-conscious consumers.
    • Mobile Banking Convenience: The HSBC Malaysia Mobile App simplifies account management, from applying for CIP to checking balances and making payments.
    • Competitive Finance Charges: A 15% p.a. finance charge for timely minimum payments ensures affordability for cardholders who carry a balance, compared to higher rates on other cards.
    • Promotional Offers: New cardholders may receive promotional rewards, such as RM50 Touch ‘n Go e-wallet credit upon spending RM500 and performing five e-wallet top-ups within 60 days of approval.
    • Summary: The HSBC Amanah MPower Visa Gold Credit Card-i delivers a compelling mix of financial savings, convenience, security, and social impact.
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How to Apply for HSBC Amanah MPower Visa Gold Credit Card-i

  • Online Application Process:
    • Visit the official HSBC Amanah website and go to the credit card section. Select the “HSBC Amanah MPower Visa Gold Credit Card-i” and click “Apply Now.”
    • Fill in your personal details such as name, contact, employment, and income information.
    • Choose a promotional offer if available.
    • Upload required documents in non-password protected PDF format from sources like KWSP or online banking portals.
    • Submit the application and receive an Application ID via SMS for tracking.
    • Complete Video KYC if required—follow SMS/email instructions to schedule and verify your identity over video call.
    • Track your application status using the unique URL sent by SMS within 24 hours.
  • In-Branch Application:
    • Visit the nearest HSBC Amanah branch in Malaysia.
    • Bring both original and copies of the required documents.
    • Meet with a bank officer for assistance and submit your completed form and documents.
    • The officer will provide an Application ID and guide you through the card features and current promotions.
    • Processing may take longer than online applications; card is delivered after approval.
  • Phone Application:
    • Call HSBC Amanah at 8885545255.
    • Provide your personal and financial details to the representative.
    • You may be asked to upload or email documents or visit a branch.
    • Receive an Application ID to track your progress and activate the card once approved.
  • Required Information:
    • Personal details: full name, date of birth, nationality.
    • Contact info: phone number, email, address.
    • Employment details: employer name, job title, years employed.
    • Financial info: monthly income, existing credit obligations.
    • Supplementary card application details (if any).
  • Document Submission:
    • Upload digital copies for online applications or bring originals and copies for in-branch applications.
    • Ensure documents are non-password protected and clearly legible.
  • Application Review Process:
    • Review based on eligibility, credit history, and document completeness.
    • May take 5-7 business days; bank may request additional info.
    • Track status via unique URL in confirmation SMS.

Eligibility Criteria for the HSBC Amanah MPower Visa Gold Credit Card-i

  • Age Requirements: Primary cardholders must be at least 21 years old. Supplementary cardholders must be at least 18 years old. This ensures legal and responsible use of the credit facility.
  • Income Requirements: Applicants must earn a minimum annual income of RM36,000 (equivalent to RM3,000 monthly). This helps ensure financial capacity for repayment.
  • Employment Status: Only individuals employed by multinational corporations, public listed companies, government, semi-government organizations, or HSBC corporate lending employers are eligible.
  • Residency and Nationality: The card is primarily for Malaysian residents with a valid local address. Non-residents may apply under special conditions such as valid work permits and Malaysian employment.
  • Credit History: A clean credit history with no defaults, bankruptcies, or serious delinquencies is required. HSBC uses CCRIS and other sources to assess creditworthiness.
  • Existing HSBC Customers: Applicants with an existing HSBC relationship (savings, loans, etc.) may experience a smoother application process and faster approval.
  • Employment Verification: Proof of employment with eligible organizations is required. This may include a confirmation letter from the employer or recent salary slips.
  • Self-Employed Individuals: Self-employed applicants must provide tax returns and business registration documents to prove stable income.
  • No Recent HSBC Cancellations: Applicants who have cancelled HSBC cards within the last 6 months or had recent applications denied/approved may not qualify for promotional offers.
  • Shariah Compliance Understanding: As an Islamic credit card, applicants should be familiar with Tawarruq and Shariah-compliant terms to align with the product structure.
  • Supplementary Card Eligibility: Supplementary cardholders must be related to the primary cardholder and fulfill the minimum age requirement.
  • Promotional Offer Eligibility: New applicants may qualify for promotions like RM200 cashback by spending RM1,000 within 60 days, provided they haven’t held or cancelled a card recently.
  • Required Documentation: Applicants must provide salary slips, bank statements, and EPF statements. All documents should be clear, up-to-date, and verifiable.
  • Application-Specific Considerations: Incomplete or incorrect documents can lead to delays or rejection. Ensure all details are consistent and accurate.
  • Contact for Assistance: If uncertain about eligibility, call HSBC Amanah at 8885545255 or visit a nearby branch for clarification.
  • Minimum Tenure Requirement: Salaried applicants should have at least 6 months of continuous employment with their current employer to demonstrate job stability.
  • Email and Mobile Verification: A valid email address and active Malaysian mobile number are required to receive application updates and verification links.
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Documents Required for HSBC Amanah MPower Visa Platinum Credit Card-i

  • Documents for Salaried Employees:
    • EPF Statement: Latest original PDF (non-password protected) from KWSP website or app. If less than 6 months of contributions, provide 2 years of statements.
    • Bank Statement: Original PDF showing latest 3 months of salary credits, downloaded from online banking.
    • Salary Slip / Employer Confirmation: If employed for under 3 months, submit the latest salary slip or a letter confirming employment and income.
    • Income Tax Return (Form BE): Latest form with tax receipt; used as supplementary income proof.
  • Documents for Supplementary Card Applicants:
    • Identity Document: Copy of MyKad (for Malaysians) or passport (for non-Malaysians).
    • Relationship Proof: If required, submit documents such as a marriage certificate or birth certificate to prove relationship with the primary cardholder.
  • Document Specifications:
    • Format: All documents must be in non-password-protected PDF format, downloaded from official sources.
    • Recency: Documents must reflect the latest financial status (e.g., current salary slip or last 3 months’ statements).
    • Clarity: Ensure all information (income, employer, identity) is legible and verifiable.
  • Tips for Document Preparation:
    • Use Official Sources: Obtain documents from official portals like KWSP and online banking.
    • Remove Password Protection: HSBC systems do not accept password-protected PDFs.
    • Label Files Clearly: For example: “EPF_Statement_JohnDoe.pdf”.
    • Double-Check Completeness: Ensure all required files are present to avoid delays.
    • Keep Backups: Store digital and physical copies in case resubmission is needed.
  • Submission Process:
    • Online Submission: Upload documents via HSBC Amanah’s online application portal.
    • In-Branch Submission: Submit originals and photocopies at an HSBC Amanah branch.
    • Email Submission: If requested, send documents through the secure email link provided by HSBC.
  • Common Document-Related Issues:
    • Incorrect Format: Avoid scanned/photographed files—only original PDFs are accepted.
    • Missing Documents: Incomplete submissions can delay approval—verify the checklist.
    • Outdated Information: Ensure salary credits and financial data are current and accurate.
  • Minimum Income Requirement:
    • Ensure you meet the minimum annual income criteria set by HSBC Amanah based on your employment status and residency.
  • Photographic ID Requirements:
    • Identity documents must include a clear photo for visual verification. Blurred or obscured images will be rejected.
  • Signature Consistency:
    • Ensure your signature on submitted documents matches the one on your application and identity proof.
  • Foreign Nationals:
    • Must provide a valid passport and visa, along with proof of local income or employment if applying from Malaysia.
  • Application Review Time:
    • Proper document submission can speed up processing; average review time is 5–7 working days post submission.

Factors Affecting Approval for HSBC Amanah MPower Visa Gold Credit Card-i

  • Credit Score and History: A credit score of 700 or higher significantly enhances approval chances, reflecting responsible credit management. HSBC Amanah reviews your credit history via agencies like CTOS or CCRIS, checking for timely repayments, defaults, or bankruptcies. Poor credit history such as missed payments or high credit utilization can lead to rejection or a lower credit limit.
  • Income Stability: The minimum annual income of RM24,000 is a baseline, but higher, stable income strengthens your application. Consistent salary credits in bank statements or EPF contributions demonstrate financial reliability. Irregular or undocumented income (e.g., cash-based earnings) may require additional proof, complicating approval.
  • Debt-to-Income Ratio: HSBC evaluates your debt-to-income ratio to assess repayment capacity. A ratio below 50% (monthly debt payments divided by monthly income) is ideal. High existing debt, such as loans or other credit cards, may signal overextension, reducing approval likelihood or limiting the credit ceiling.
  • Employment Status: Stable employment with reputable organizations (multinational, public listed, government, or semi-government entities) is a positive factor. Applicants employed for over a year with consistent income are favored, indicating long-term financial stability. Recent job changes or unemployment may raise red flags, requiring additional documentation.
  • Age Compliance: Meeting the minimum age requirement (21 for principal cardholders, 18 for supplementary) is mandatory. Applicants outside this range are automatically disqualified, ensuring compliance with legal and banking regulations.
  • Completeness of Application: Incomplete or inaccurate applications, including missing documents or incorrect details, can delay or prevent approval. Ensure all fields in the application form are filled accurately, and required documents (e.g., MyKad, bank statements) meet HSBC’s specifications (non-password-protected, recent, legible).
  • Existing HSBC Relationship: An existing account or positive banking history with HSBC or HSBC Amanah can facilitate approval, as the bank has direct access to your financial behavior. However, a history of overdrafts or loan defaults with HSBC may negatively impact your application.
  • Recent Credit Applications: Multiple credit card or loan applications within a short period can signal financial distress, lowering approval chances. HSBC may view frequent inquiries as a risk, so avoid applying for multiple credit products simultaneously.
  • Residency Status: Malaysian citizens and permanent residents face fewer hurdles, as their financial records are easier to verify. Non-residents must provide additional documents (e.g., work permit, proof of address), and approval may depend on the validity and duration of their residency status.
  • Credit Utilization Rate: A high credit utilization rate (e.g., using over 70% of available credit on other cards) can indicate financial strain, reducing approval odds. Keeping utilization below 30% demonstrates prudent credit management, improving your application’s strength.
  • Document Authenticity: Falsified or unverifiable documents, such as manipulated bank statements or outdated income proof, will lead to rejection. HSBC verifies documents rigorously, cross-checking with employers, tax authorities, or EPF records to ensure authenticity.
  • Economic and Market Conditions: External factors, such as economic downturns or tightened lending policies, may influence HSBC’s approval criteria. During periods of financial uncertainty, the bank may adopt stricter standards, prioritizing applicants with stronger financial profiles.
  • Promotional Campaign Restrictions: Eligibility for promotional offers (e.g., RM50 Touch ‘n Go e-wallet credit) is limited to new primary cardholders who haven’t held an HSBC card in the past six months. Existing or recent cardholders may still qualify for the card but not for campaign rewards, affecting the application’s perceived value.
  • Employment Sector: Employees in stable sectors (e.g., government, multinational corporations) are viewed as lower-risk, as these organizations typically offer consistent salaries. Applicants in volatile industries or self-employed individuals may need to provide more extensive documentation to prove income stability.
  • Application Channel: While all channels (online, in-branch, phone) are valid, in-branch applications allow for immediate clarification of issues, potentially improving approval chances for applicants with complex financial profiles. Online applications, however, require precise documentation to avoid delays.

Frequently Asked Questions (FAQs) – HSBC Amanah MPower Visa Gold Credit Card-i

1. What is the HSBC Amanah MPower Visa Gold Credit Card-i?
The HSBC Amanah MPower Visa Gold Credit Card-i is a Shariah-compliant credit card based on the Ujrah principle, which uses a fee-based structure instead of interest (riba). It offers up to 8% cashback on petrol, groceries, and e-wallet transactions, a lifetime annual fee waiver, and benefits like e-commerce purchase protection and charity donations, making it ideal for ethical banking with rewarding features.
2. How does the Shariah-compliant structure work?
The card operates under the Ujrah concept, where cardholders pay service fees for credit facilities instead of interest, ensuring compliance with Islamic principles. All transactions and fees are overseen by HSBC Amanah’s Shariah Committee, guaranteeing adherence to Shariah law and ethical financial practices.
3. What are the cashback benefits of the card?
Cardholders earn up to 8% cashback on petrol, groceries, and e-wallet transactions when monthly spending exceeds RM2,000, with a cap of RM15 per category per month. Below RM2,000, you earn 1% cashback on these categories (also capped at RM15) and 0.2% unlimited cashback on all other eligible retail spending, locally and internationally.
4. Which merchants are eligible for cashback?
Eligible merchants include all petrol stations in Malaysia, major supermarkets like Giant, Lotus’s, AEON BIG, and Mydin, and e-wallets such as SamsungPay, GrabPay, Touch ‘n Go, and FavePay. Charity spends are excluded from cashback to support the card’s charity donation program.
5. Is there an annual fee for the card?
The card offers a lifetime annual fee waiver for the principal card (RM90) and supplementary cards (RM45), provided you swipe at least once a month for 12 consecutive months and meet a minimum annual spend of RM2,000. This eliminates recurring costs, enhancing affordability.
6. What is the e-commerce purchase protection feature?
The card provides protection up to USD200 for eligible online purchases against non-delivery or defective items. This feature ensures safety for online shopping, covering transactions made with the card on e-commerce platforms, which is valuable in Malaysia’s growing digital market.
7. How does the charity donation program work?
HSBC Amanah donates 1% of cardholders’ eligible charity spends to selected charitable organizations, up to RM500,000 annually, distributed quarterly. Cardholders can view participating charities on the HSBC Amanah website, contributing to social causes without additional effort, though charity spends are not eligible for cashback.
8. What is the Balance Transfer Instalment (BTI) plan?
The BTI plan allows cardholders to consolidate outstanding balances from other credit cards onto the HSBC Amanah MPower Visa Gold Credit Card-i with a one-time handling fee of 3.88% for a 12-month repayment period. This simplifies debt management and can save costs compared to standard credit card interest rates.
9. How does the Cash Instalment Plan (CIP) work?
The CIP enables cardholders to convert their available credit limit into cash, repayable over tenures up to 60 months. Management fees are 3.88% p.a. for new-to-card customers and 4.88% p.a. for existing customers (12-month tenure). The minimum amount is RM1,000, in multiples of 100, and no documentation is required for applications via the HSBC Malaysia Mobile App.
10. What is the Auto Balance Conversion program?
This program automatically converts eligible outstanding statement balances into a 36-month instalment plan at a 13% p.a. effective management fee, with no processing or early termination fees. It offers predictable monthly payments for large purchases or unexpected expenses, aiding financial planning.
11. Does the card support contactless payments?
Yes, the card features contactless payment technology, allowing quick and secure transactions at participating merchants. This is ideal for small, frequent purchases like groceries or public transport fares, enhancing convenience and aligning with modern payment trends.
12. Can I use the card internationally?
As a Visa card, it is accepted at over 24 million locations worldwide, making it suitable for international travel, online shopping in foreign currencies, and local purchases. This global acceptance ensures versatility for dining, accommodation, and retail needs abroad.
13. Can I apply for supplementary cards?
Yes, cardholders can apply for up to five supplementary cards for family members or trusted individuals aged 18 or older. Supplementary cards share the principal card’s credit limit and benefits, such as cashback and discounts, allowing households to maximize rewards.
14. What security features does the card offer?
The card includes EMV chip technology and 24/7 fraud detection to prevent unauthorized transactions. In case of loss or theft, cardholders can report issues immediately via 1300 88 1388 (local) or +603 8321 5400 (overseas), ensuring prompt account protection.
15. How do SMS alerts and e-statements work?
SMS alerts provide real-time updates on transactions, helping monitor spending and detect fraud. E-statements, accessible via online banking, store up to 15 months of transaction history, supporting HSBC’s Go Green Initiative and enabling efficient financial tracking.