HSBC Credit Cards’ Fees & Charges

HSBC offers a range of credit cards with exciting and deluxe perks. However, it levies fees and charges as per your card variant. Some of the most common HSBC Credit Card fees are levied when:

• You make overseas transactions

• You spend beyond the available credit limit

• You withdraw cash using your credit card

Whether you want to use your credit card to get discounts on shopping or withdraw cash from an ATM, knowing the types of HSBC Credit Card charges helps you select the right card. However, each card may come with separate terms and conditions related to its fees and charges.

Most credit cards will require you to pay a one-time joining fee. This fee is also accompanied by a recurring annual fee, starting from the second year onwards. 

The joining fee is levied only once post-approval, while the annual fee must be paid at the end of each calendar year. However, specified cards may waive the renewal fee when you meet a specific spending milestone. 

This is another kind of charge levied amongst the various types of HSBC Bank Credit Card fees. Utilise this card to withdraw cash in case of a cash crunch or when needed. Note that you can only withdraw amounts up to your card's specified withdrawal limit. 

Interest charges will be added to your total outstanding once you use your card to make a withdrawal. The interest is charged from the withdrawal date until you clear your dues. 

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank website to get the list of HSBC Credit Card charges and fees.

This fee is levied by card issuers on all foreign currency transactions. It is also applicable when you make purchases from foreign merchants with your credit card or from native merchants registered abroad.

See the table to learn more about the HSBC Credit Card forex charges.

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank website to get the list of HSBC Credit Card charges & fees.

Banks charge lower interest rates when you opt for a balance transfer facility. This helps you transfer the outstanding amount from your existing card to a new one. 

Disclaimer: These charges can vary at the discretion of the bank.

Card issuers levy this charge if you surpass your card’s allotted total credit limit. While you can exceed your purchases over the sanctioned limit, the bank will charge an over-limit fee based on the amount by which you exceed your limit.

See the table to understand the over-limit fee levied by the HSBC Bank. 

Disclaimer: The HSBC Credit Card charges and fees are subject to change at the bank’s discretion.

When you do not pay your credit card bills on time, the bank levies late payment penalties. You can utilise reminders or automatic payment alternatives to resolve late payment concerns.

Browse through the given table to understand the late payment charges levied by the HSBC Bank. Note that this fee varies as per the outstanding bill amount. 

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank website to get the list of HSBC Credit Card charges & fees.

Apart from these fees and charges, HSBC Credit Cards come with certain supplementary charges and fees. Study the given table to understand these additional charges so you can make the right decision.

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank website to get the list of HSBC Credit Card charges & fees.