See types of HSBC credit cards
Understanding HSBC credit card types equips Filipino applicants to choose the card that best aligns with their lifestyle, spending habits, and financial goals.
HSBC offers several credit card options in the Philippines, each with unique features—cashback, reward points, travel perks, and exclusive privileges.
This guide breaks down each card type, eligibility, key benefits, and helps cardholders compare options for smarter financial decisions.
HSBC Live+ Credit Card: Cashback for Everyday Spending
The HSBC Live+ Credit Card is designed for those who spend frequently on dining, shopping, and entertainment.
Cardholders enjoy up to 8% cashback on dining, 5% on shopping and entertainment, and 2% on fast food, provided they reach a PHP 10,000 monthly spend threshold. Otherwise, a base cashback of 0.2% on all other purchases applies.
Eligibility includes maintaining a locally issued principal credit card for at least 12 months and an annual income of PHP 400,000. New applicants also receive a free Delsey iRoise luggage as a welcome gift.
HSBC Red Platinum Mastercard: Accelerated Bonus Points
For those prioritizing rewards points, the HSBC Red Platinum Mastercard offers lucrative earning rates.
Cardholders receive 4x bonus points on dining, shopping, online, and overseas transactions, plus 1 point per PHP 20 on local spend.
Points can be redeemed for a variety of rewards—including gift certificates, air miles, or merchandise.
Annual income eligibility is PHP 400,000, and staying with a local credit card for 12 months is required. A welcome gift includes a World Traveler luggage for new cardholders.
HSBC Gold Visa Cash Back: Everyday Dine-and-Save
The HSBC Gold Visa Cash Back Credit Card is crafted for uncomplicated daily savings.
Cardholders earn 5% cashback on dining and a modest 0.2% on all other purchases, with added 3% rebate on Caltex fuel purchases.
There is no minimum spend requirement, making it accessible and beneficial for regular use.
HSBC Platinum Visa Rebate Credit Card: Balanced Rewards
For more varied spending needs, the HSBC Platinum Visa Rebate Credit Card provides balanced rewards across multiple categories.
This card grants 5% cashback on shopping and travel, 1% on insurance, and 0.5% on other everyday purchases such as groceries and deliveries.
This makes it well-suited for users seeking reliable rewards across a range of lifestyle expenses.
HSBC Premier Mastercard: Exclusive Privileges
The HSBC Premier Mastercard caters to Premier banking clients seeking premium benefits.
It offers 1 air mile for every PHP 25 spent, comes with no annual fee for life, and includes free Purchase Protect insurance coverage.
This card is available exclusively to HSBC Premier clients and offers privileges both domestically and internationally.
Quick Comparison Table
To present a clear, side-by-side view, here is a structured comparison of HSBC credit card types available in the Philippines:
| HSBC Card Type | Key Benefits | Eligibility |
|---|---|---|
| Live+ Credit Card | High cashback on dining, shopping, entertainment | PHP 400,000 income & 12-month holding |
| Red Platinum Mastercard | 4x points on select spends; free luggage | PHP 400,000 income & 12-month holding |
| Gold Visa Cash Back | 5% dining cashback; fuel rebates | Accessible, no min spend |
| Platinum Visa Rebate | 5% shopping/travel; varied rebate tiers | Balanced lifestyle needs |
| Premier Mastercard | Travel miles, no annual fee, insurance | For HSBC Premier clients only |
Why Filipinos Should Explore These Options
Each HSBC credit card serves different financial priorities:
- Use Live+ for consistent cashback on lifestyle expenses.
- Choose Red Mastercard to accumulate points quickly and redeem for lifestyle rewards.
- Opt for Gold Visa Cash Back when simplicity and dining rewards are a priority.
- Go with Platinum Visa Rebate for diverse, balanced cashback across categories.
- Select Premier Mastercard if premium benefits are needed, such as miles and insurance.
Exploring card types helps Filipinos align their credit cards with personal goals—whether saving on meals, earning travel rewards, or accessing exclusive privileges.
Frequently Asked Questions (FAQ)
Which HSBC credit card offers the highest rewards?
The Red Platinum Mastercard offers 4x points on key categories, making it the highest reward card for points accumulation.
Is there a cashback option with no minimum spend?
Yes. The Gold Visa Cash Back Credit Card offers 5% cashback on dining and no minimum spend requirement.
Do any HSBC cards come with travel insurance?
Yes. The Premier Mastercard includes free Purchase Protect insurance for eligible purchases.
What card gives the best benefits for frequent dining and online shopping?
The Live+ Credit Card offers up to 8% cashback on dining and 5% on both shopping and entertainment, ideal for frequent spenders.
Are there welcome gifts with HSBC cards?
Yes. The Live+ Credit Card offers free luggage, and the Red Platinum Mastercard offers a World Traveler luggage upon successful new application.