| HSBC CREDIT CARD FEES AND CHARGES |
| Types of Fees and Charges | Classic Visa/ MasterCard and Red MasterCard | Gold Visa/ MasterCard | Platinum Visa | Mabuhay Miles Visa Classic | Mabuhay Miles Visa Gold | Mabuhay Miles Visa Platinum | HSBC Advance Credit Card | HSBC Premier MasterCard Credit Card |
| Primary Card Annual Fee* | Php1,200 | Php2,500 | Php5,000 | Php1,200 | Php2,500 | Php5,000 | Php2,500 | WAIVED |
| Supplementary Card Annual Fee* | Php600 | Php1,250 | Php2,500 | Php600 | Php1,250 | Php2,500 | Php1,250 | WAIVED |
| Rewards Conversion | Php10 = 1BP | Php45 = 1 BP/Mile | Php35 = 1BP/Mile | Php10 = 1BP | Php5 = 1BP |
| Annual Mileage Rewards Program Fee | Php500 per mileage program upon enrollment | WAIVED | Php500* | WAIVED | Php500 per mileage program upon enrollment |
| Finance Charge | 3.5% per month (or 42% annually) | 2.75% per month
(or 33% annually) | 3.5% per month
(or 42% annually) | 2.75% per month
(or 33% annually) | 3% per month
(or 36% annually) | 2.75% per month
(or 33% annually) |
| Minimum Amount Due | 4% of outstanding balance or Php500.00, whichever is higher |
Cash
Advance Fee | 3% of amount drawn or Php500, whichever is higher |
Late
Payment Fee | 7.5% of the minimum due or Php600.00, whichever is higher |
| Overlimit Fee | Php500.00 shall be charged if card account is overlimit on cut-off date |
| Returned Check Fee | Php1,000 will be charged for check payments which are returned due to reasons such as but not limited to insufficient funds, unsecured deposit, or any other reasons resulting to bad faith by cardholder. |
| Sales Slip Retrieval Fee | Php275 for each sales slip retrieved upon cardholder's request |
| Card Replacement Fee | Php400 for each replacement of lost, stolen or damaged card |
| Service Fee for Foreign Currency Transactions** | 1.75% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum. |
| HIP Pre-termination Processing Fee | P500 for each HSBC Installment Plan transaction pre-terminated. |
*First year waived
**Details found on HSBC's Terms and Conditions If you pay any amount less than the Closing Balance/Total Amount Due or make a cash advance transaction, finance charge at prevailing interest rates will be computed on the Average Daily Balance of your account (including any fixed monthly installment amount/s) from the dates of the transactions until the end of the current statement period. With your everyday spend, you are entitled to redeem rewards of your choice under HSBC Instant Rewards Feature. For more details, visit www.hsbc.com.ph. HSBC Credit Card. The One Card for Home and Away.
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