HSBC Premier MasterCard® credit card Service Guide

HSBC Premier
MasterCard ®
credit card
Service Guide

Open doors to boundless
opportunities & experiences
Welcome to the world of HSBC Premier MasterCard ® Credit Card. A world where
you will receive the personal services and privileges you need to choose the most
out of life, and live it the way you choose to.
With instant access to your accounts around the world, acceptance at over
25 million establishments that carry the MasterCard ® logo, plus the fabulous
privileges and rewards programme. Your new HSBC Premier credit card sets the
world before you, wherever you go.
All HSBC Premier credit card customers will receive 24-hour, committed customer
services. Just call our 24-hour HSBC Premier Hotline on (852) 2233 3322 and our
Customer Service Officers are ready to help you anytime.

Peace of mind and
financial flexibility
wherever you go
With HSBC Premier credit card,
you have greater freedom and
flexibility to enjoy life.
More repayment flexibility
You can enjoy an interest-free repayment period of up to 56
days.
Global cash access
Access your money instantly from your HSBC Premier
credit card account, with a cash advance* in major cities
worldwide from HSBC Group ATMs or ATMs that carry the
MasterCard/CIRRUS ® logos. You can also access up to two
of your Hong Kong Dollar savings or current accounts for
cash without fees through HSBC Group ATMs.
* Subject to the detailed terms of HSBC Premier Credit Card Cardholder
Agreement.
Phonebanking service
You can simply call one hotline to manage your credit card
and other HSBC accounts conveniently. Please register
for phonebanking service through ATM or 24-hour HSBC
Premier Hotline on (852) 2233 3322.
Money management on the go
HSBC Internet Banking lets you manage your personal
finances safely and conveniently, whenever and wherever
you are. Register now at
Multiple bills. One card
Over 100 different types of bills † (including government
rents, insurance and public utility expenses) can be paid
with your HSBC Premier credit card using our free online
bill payment service at HSBC Internet Banking. You can
earn RewardCash ‡ , and save on late fees and surcharges by
making use of the forward-dated payment services.
† Not applicable to credit cards issued in Macau.
‡ RewardCash will be awarded for all bill payments except for payment to the
Inland Revenue Department, unless otherwise specified.
Choose your payment method
Enjoy hassle-free repayment options with your HSBC
Premier credit card through:
• ATMs §
• Phonebanking
• Payment by Phone Service
• AutoPay
• Mailed remittance
• Cheque payment
• Funds transfer through HSBC Internet Banking
• Cash Deposit Machine
• Over-the-counter payment at any HSBC’s branch in Hong
Kong
§ Exclude Expressnet in Philippines.

See more.
Do more.
Experience more.
Recognised and welcomed at
over 25 million establishments
around the world, your HSBC
Premier credit card brings
you extraordinary year-round
privileges to help you live life
to the fullest.
Best-in-class Rewards Programme
You’ll get the best choices on reward options with our bestin-class
Rewards Programme – RewardCash. Every time you
spend with your HSBC Premier credit card, RewardCash can
be earned for gift redemptions of your choice or offsetting
your spending at merchant outlets. Every $1 RewardCash
is redeemable for HK$1 on your purchase at participating
merchants. And RewardCash can be accumulated for up to
three years. Please visit .
Year-round experiences
Your HSBC Premier credit card is in season all year round,
entitling you to amazing discounts on a wide range of
shopping, dining, travel and lifestyle experiences in Hong
Kong. For the full list of offers, please visit
.
The benefits do not stop if you leave Hong Kong. HSBC
Premier Privileges provides access to a variety of travel &
leisure, dining, shopping and health & beauty offers around
the world when paying for them with your HSBC Premier
Credit Card. Visit HSBC Premier Privileges for full details of
offers across the world at
Private Label Cards
Our Private Label Cards give you exclusive shopping benefits
from some of Hong Kong’s most desirable labels. Please visit
for details and application form.
Pre-approved free additional cards
We know family comes first. As our HSBC Premier primary
credit cardholder, the annual fee of your card will be waived
perpetually. In addition, you can apply for pre-approved†
additional HSBC Premier credit cards for your family members
absolutely free of charge and they will enjoy the exclusive
benefits that come with HSBC Premier credit card.
† The pre-approved feature is subject to local regulations and the Bank
retains its sole and final discretion whether to issue the credit card.
Convenient and hassle-free
Enjoy a convenient and hassle-free way to reload the stored
value in your Octopus card with the Octopus Automatic Add-
Value Service. You can also earn RewardCash each time you
add value to your Octopus card and enjoy an interest-free
repayment period of up to 56 days! For details and application
form, please visit .

Looking after
your needs
wherever
life takes you
Wherever you are in the world,
your HSBC Premier credit card
gives you access to enhanced
worldwide services, so we will
always be a phone call away.
Worldwide safety net
Our worldwide emergency assistance services are always
available through HSBC Premier Emergency Hotline (24-hour
call collect lines) (1) 314 275 6781, ensuring peace-of-mind
when you are abroad. Your call will be answered in English by
our Customer Service Officers, 24 hours a day.
Our emergency services include:
• Instant lost/stolen card reporting
• Emergency card replacement on the next day or provide
emergency cash advance* before you receive the new card.
• Emergency cash advance* at designated 245,000 outlets
across 200 countries and territories.
* Subject to authorisation by the issuing countries and territories of the HSBC
Premier credit card.
Greater protection
Your HSBC Premier credit card protects you against liability for
fraudulent charges, if you immediately report your card loss † .
† Subject to the detailed terms of the HSBC Premier Credit Card Cardholder
Agreement.

Important information for customers

HSBC Premier Credit Card Cardholder Agreement
Important! Before you use your HSBC Premier Credit Card issued by The Hongkong and
Shanghai Banking Corporation Limited, please read carefully the Cardholder Agreement
printed below. By using the card you are accepting the terms and conditions set out below
and will be bound by them.
The HSBC Premier Credit Card (‘the Card’) is issued by The Hongkong and Shanghai Banking
Corporation Limited (‘the Bank’) on the following terms and conditions:
1 The Card is the property of the Bank and will be returned to the Bank immediately by the
Cardholder upon the Bank’s request.
2 The person to whom the Card is issued (‘the Cardholder’) will sign the Card immediately
upon receipt and will not permit any other person to use it and will at all times safeguard
the Card and keep it under the Cardholder’s personal control.
3 Each credit card is assigned a credit limit that applies to both purchase and cash advance
transactions. For your own credit limit, please refer to your card statement. The Bank may
at its discretion allow for any Card Transactions exceeding the credit limit, and reduce the
credit limit according to the result of its credit risk assessment of you or the card account,
without prior notice to you.
4 The Cardholder will be responsible for all credit card facilities granted by the Bank in
respect of the Card and for all Card Transactions effected by the Cardholder (whether
voluntarily or otherwise) as well as all related charges hereunder, notwithstanding the
termination of this Agreement.
5 The Bank will assign a credit limit to the Card Account which must be strictly observed by
the Cardholder. The Cardholder may apply for a review of his/her assigned credit limit at
any time.
The Bank may at its sole discretion (but shall not be obliged to):
(a) increase the credit limit from time to time with prior notice to the Cardholder;
(b) as a result of a reasonable assessment of the credit risks associated with the Card
Account or the Cardholder based on information available to the Bank, reduce the
credit limit to such amount as it thinks fit without prior notice to the Cardholder;
(c) permit Card Transactions to be effected in excess of the credit limit without
prior notice to the Cardholder and the Cardholder shall be liable for any related
transaction in accordance with the terms of this Agreement.
6 (a) A statement will normally be provided to the Cardholder monthly on the
Statement Date (‘the Statement Date’) with details of the total amount
outstanding on the Card Account (‘the Statement Balance’), the minimum sum
to be paid by the Cardholder in respect of the Statement Balance as determined
by the Bank (‘the Minimum Payment Due’), such part of the Minimum Payment
Due that is payable immediately and the date by which the remaining payment
must be made to the Bank (‘the Payment Due Date’). Payment of any part of the
Statement Balance effected by cheque or other means will be accepted on and
subject to the Bank’s normal terms and conditions.
(b) If payment of the whole of the Statement Balance is received by the Bank on or
before the Payment Due Date, no finance charge will be payable in respect of
the same.
(c) If the Cardholder fails to pay the Bank the whole of the Statement Balance
by the Payment Due Date, a finance charge will be applied (a) to the unpaid
Statement Balance from the Statement Date immediately preceding the
said Payment Due Date until payment in full and (b) to the amount of
each new transaction being posted since the Statement Date immediately
preceding the said Payment Due Date, from the transaction date until
payment in full. The finance charge will accrue daily and be calculated at
the interest rate per month as specified in the Bank’s “Bank tariff guide for
HSBC Retail Banking and Wealth Management Customers” for the time
being in force.
(d) If the Cardholder fails to pay the whole of the Minimum Payment Due by the
Payment Due Date, a further late charge will be debited to the Card Account on
the next following Statement Date.
(e) A handling fee will be charged to the Card Account for each returned cheque
deposited in, or rejected autoPay to, the Card Account where the cheque or
autoPay is not drawn on an account with the Bank.
7 Cash advances shall include all cash withdrawals made from the Card Account
including, without limitation, cash withdrawals from any funds earlier transferred

or otherwise credited to the Card Account. Cash advances will be subject to a handling
charge plus a cash advance fee. All charges are flat and shall be debited to the Card
Account as at the date of the advance. No other charges are payable in respect of the
cash advance if it is repaid by the Payment Due Date of the Statement on which it is first
posted. The Bank may by notice to the Cardholder modify the fee and/or handling charges
from time to time.
8 All fund transfers into or credits made to the Card Account will immediately be applied
by the Bank to reduce the then existing outstanding balance in the Card Account which, if
exceed the said outstanding balance, will be applied to fund future Card Transactions as
and when they are debited to the Card Account.
9 The Bank reserves the right to charge an initial and/or periodical fee for the Card. Such
fees will be debited to the Card Account when due and are not refundable.
10 (a) To enable the Bank to consider whether to provide the Cardholder with any services,
the Cardholder is required to supply the Bank from time to time the Cardholder’s
personal information (‘Personal Data’) (in such manner as may be prescribed or
accepted by the bank from time to time). His/her failure to do so may result in the
Bank’s inability to provide such services.
(b) The Personal Data will be used for considering the Cardholder’s request and subject
to the Bank agreeing to provide such service, the Personal Data and details and all
information relating to any transactions or dealings with the Bank will be used in
connection with the provision of such service to the Cardholder.
The Cardholder agrees that the Bank may use, store, transfer (whether
within or outside the Hong Kong Special Administrative Region), disclose
to or obtain from other financial institutions, charge or credit card issuing
companies, credit information or reference bureaux, agencies or organisations
which provide information exchange services to financial institutions,
credit card issuing companies, collection agencies, computer and printing
firms, service providers or any other person as the Bank considers necessary,
including any member of the HSBC Group, information for any purpose in
connection with services the Bank may provide to the Cardholder, and/or in
connection with matching for whatever purpose (whether or not with a view
to taking any adverse action against the Cardholder) with other personal data
concerning the Cardholder, and/or for the purpose of promoting, improving and
furthering the provision of services by the Bank/other HSBC Group members
to customers generally, and/or any other purposes and to such persons as may
be in accordance with the Bank’s general policy on disclosure of personal data
as set out in Statements, Circulars, Notices or other Terms and Conditions made
available by the Bank to the Cardholder from time to time.
Where the service provider is situated outside Hong Kong SAR in an area
where there are less stringent data protection laws, the Bank will impose on
the service provider confidentiality undertakings substantially similar to the
requirements of the data protection laws in Hong Kong SAR. In any event, the
Bank will remain responsible for ensuring the confidentiality of such Personal
Data, details and information.
(c) The Cardholder has the right to request access to and correction of any of the
Personal Data. Any request may be made in writing and addressed to the Data
Protection Officer, The Hongkong and Shanghai Banking Corporation Limited,
Kowloon Central Post Office PO Box 72677 (E-mail: ).
The Bank will comply with such requests unless the Bank may or is required to
refuse to do so under the applicable law and regulations.
11 If the Bank has reasonably incurred any legal or collection fees or other expenses
which are of reasonable amount for the purpose of demanding, collecting or suing,
to recover any sum payable hereunder from the Cardholder, or for other remedies
resulting from the breach or non-compliance of any terms of this Agreement, the
Cardholder will fully reimburse the Bank for all such legal fees, and any other fees
and expenses incurred in that connection. Pending such repayment, the Bank will be
entitled to continue to charge finance charges at its prevailing rate(s).
12 Payments and credits to the Card Account may be applied to repay the Statement
Balance in the following order:
(a) firstly, all fees and charges billed to the Card Account followed by 1% of the
Statement Balance (excluding the billed fees and charges) until the Minimum
Payment Due is fully settled;
(b) payments in excess of the Minimum Payment Due will be applied to repay such
parts of the remaining portion of the Statement Balance in descending order
according to the applicable monthly interest rate;
or

(c) in any other order as the Bank considers appropriate without prior reference to the
Cardholder.
13 All Card Transactions effected in currencies other than Hong Kong dollars will be debited
to the Card Account after conversion into Hong Kong dollars at a rate of exchange
determined by reference to the exchange rate adopted by MasterCard International on the
date of conversion, plus an additional percentage levied by the Bank and any transaction
fee(s) charged by MasterCard International to the Bank, if applicable, which fees may be
shared with the Bank.
14 If the Cardholder is required by any applicable laws or regulations to make any deduction
or withholding from any sum payable by the Cardholder to the Bank hereunder, then the
liability in respect of that deduction or withholding shall be the liability of the Cardholder
such that after the making of such deduction or withholding the net payment shall be
equal to the amount which the Bank would have received had no such deduction or
withholding been made. It shall be the sole responsibility of the Cardholder to effect
payment of such deduction or withholding to the relevant authority within the applicable
time limit and the Cardholder shall indemnify the Bank for all consequences of the
Cardholder’s failure to do so.
15 The Bank accepts no responsibility for the refusal of any merchant establishment
to honour the Card. Nor will the Bank be responsible in any way for any goods or
services supplied to the Cardholder. No claim by the Cardholder against the merchant
establishment will relieve the Cardholder from any obligation to the Bank hereunder.
In particular, the setting up, modification or termination of direct debit authorisation
instructions for any regular payment to be charged to the Card Account is strictly between
the Cardholder and the respective merchant establishment(s). The Bank reserves the
right not to set up, modify or terminate any such arrangement in the event of any dispute
between the Cardholder and the merchant establishment.
16 The Cardholder should notify the Bank’s Card Centre of any transaction in any statement
that was not authorised by the Cardholder within 60 days of the date of the statement.
If the Cardholder fails to report within the said period, the transaction(s) shown on the
statement will be considered correct.
Where the Cardholder reports an unauthorised transaction before the relevant settlement
date, the Cardholder shall be entitled to withhold payment of the disputed amount. The
Bank shall not impose any interest or finance charges on such disputed amount while
it is under investigation by the Bank, or make an adverse credit report against the
Cardholder. If, following a good faith investigation by the Bank, the investigation
results (which shall be binding on the Cardholder) show that the report made by the
Cardholder was unfounded, the Bank reserves the right to re-impose the interest
or finance charges on the disputed amount over the whole period, including the
investigation period.
17 The retrieval fee for the photocopy of sales drafts will be debited to the Card
Account.
18 The Cards are the property of the Bank and are not transferable. The loss or theft of any
Card, or the loss, theft or disclosure to a third party of any number used in relation
to any cash advance or ATM function or facility incorporated in a Card, should be
reported immediately upon discovery of loss, theft or disclosure (to the Bank’s Card
Centre in the Hong Kong Special Administrative Region (SAR) telephone: 2233 3322
or, if overseas, to any member of MasterCard International). The Cardholder shall be
liable for all cash advances effected as a result of the unauthorised use of any such
number and for all other transactions debited to the Card Account as a result of the
unauthorised use of a Card (‘Non-cash Transactions’) until notification of its loss,
theft or disclosure has been received by the Bank or by a member of MasterCard
International provided that, except in the circumstances described below, the
Cardholder’s maximum liability for Non-cash Transactions shall be HK$500. The
Cardholder shall be fully liable for all Non-cash Transactions, without limit, if the
Cardholder has acted fraudulently or with gross negligence in using or safeguarding
the Card or has knowingly (whether voluntarily or otherwise) provided the Card to
or let the Card be taken by a third party or has failed to make a report in accordance
with this Clause as soon as reasonably practicable upon discovery of loss or theft.
Failure to follow any measures to safeguard the Card (and such number) or with
regard to the usage thereof as recommended by the Bank in any communication to
the Cardholder from time to time may be treated as gross negligence for the above
purpose.
19 The Bank will be under no obligation to issue a replacement Card to the Cardholder
following its loss or theft. Any replacement Card may be subject to a handling fee.
20 In addition to any general right of set-off or other rights conferred by law or under
any other agreement, the Bank may, without notice, combine or consolidate the
outstanding balance on the Card Account (including, in the case of a Primary

Cardholder, on any Additional Card Account) with any other account(s) which the
Cardholder maintains with the Bank and set-off or transfer any money standing to the
credit of such other account(s) in or towards satisfaction of the Cardholder’s liability to the
Bank under this Agreement.
21 (a) The Cardholder may terminate this Agreement at any time by written notice to the
Bank accompanied by the return of the Card, any Additional Cards and linked Private
Label Cards. Where this Agreement relates to the use of an Additional Card, the
Cardholder or the Additional Cardholder may terminate this Agreement (insofar as it
relates to the use of the Additional Card) by written notice to the Bank accompanied
by the return of the Additional Card. Returned Cards should be cut in two.
(b) The Bank may terminate this Agreement at any time by cancelling the Card with or
without prior notice and with or without cause.
22 Unless the Bank otherwise specifies, the whole of the outstanding balance on the Card
Account together with the amount of any outstanding Card Transactions effected but not
yet charged to the Card Account will become immediately due and payable in full to the
Bank on termination of this Agreement or on the Cardholder’s bankruptcy or death. The
Bank may employ third parties to collect any outstandings. The Cardholder or his estate
will be responsible for settling any outstandings on the Card Account (including without
limitation any regular payments, whenever charged or debited to the Card Account,
under arrangements which are authorised or set up prior to the date of termination of this
Agreement or the Cardholder’s bankruptcy or death) and shall keep the Bank indemnified
for all reasonable amounts of costs (including legal fees) and expenses reasonably
incurred in recovering such outstandings. Pending such repayment, the Bank will be
entitled to continue to charge financing charges at its prevailing rate(s).
23 The Cardholder will notify the Bank’s Card Centre promptly (in such manner as may be
prescribed or accepted by the bank from time to time) of any changes in employment or
his/her contact details (including without limitation address, telephone number, email
address and fax number).
24 Without prejudice to the other provisions of this Agreement, if the Cardholder should be
absent from the Hong Kong SAR for more than one month, arrangements to settle the
Card Account should be made prior to his/her departure.
25 Should the Bank issue an Additional Card at the joint request of the Cardholder and
Additional Cardholder, the Additional Cardholder will be bound by the Terms and
Conditions of this Agreement and shall be liable for the use of the Additional Card,
notwithstanding that the Primary Cardholder shall remain liable for the use of
both his/her Card and the Additional Card and that the Bank shall have complete
discretion in recovering charges incurred by the Additional Card from either the
Primary Cardholder or the Additional Cardholder or both. In relation to Clause
21(a) above concerning cancellation of an Additional Card, the Cardholder may be
liable for any payments arising from the use of the Additional Card until it has been
returned or until the Bank is able to implement the procedures which apply to lost
cards if the Cardholder so requests. The Additional Cardholder shall not be liable
for the use of the Card by the Primary Cardholder or the use of any other Additional
Card by any other Additional Cardholder.
26 A Cardholder’s and an Additional Cardholder’s respective use of the ‘Phonebanking
Service’ will at all times be governed by the terms and conditions that apply
to the Phonebanking Service which are currently set out in Section XII of the
Integrated Account Terms and Conditions. Each Additional Cardholder who uses the
‘Phonebanking Service’ shall for all purposes be deemed to be a ‘Customer’ in the
said Section XII of the Integrated Account Terms and Conditions.
27 In the course of providing Credit Card services, the Bank may need to record
verbal instructions received from the Cardholder and/or any verbal communication
between the Cardholder and the Bank in relation to such services.
28 The Bank reserves the right to destroy any documents relating to the Card Account
after microfilming the same.
29 The Bank may from time to time introduce new products/services to be made
available to Cardholders including but not limited to the Mileage Programme and
the RewardCash Programme which shall be governed by specific terms of such
products/services and, in case of any conflict between these specific terms and the
terms herein, the former shall prevail.
30 Any Credit Card instalment plan for the purchase of goods or services from
merchants will be subject to the terms and conditions for the credit card interest-free
instalment plan (‘Instalment Plan’) applicable to the relevant credit card (if any). The
terms and conditions for the Instalment Plan is available at the HSBC website
, all branches upon request and in the welcome pack
(for new cards). In case of any conflict between such terms and the terms herein, the
former shall prevail.

31 Where the Cardholder does not maintain an Integrated Account with the Bank and has
not been allocated with the Tier of HSBC Premier by the Bank but he is an HSBC Premier
Customer of another member of the HSBC Group (an ‘HSBC Member’) and the Card is
issued by the Bank to the Cardholder on that basis, the Cardholder hereby agrees to and
authorises the following:
(a) the Bank may request the HSBC Member concerned to provide it with any information
relating to the Cardholder, including, without limitation, his Personal Data (collectively
‘Cardholder Information’) and the Bank may use, store and transfer (whether within
or outside the Hong Kong SAR) or disclose to any other parties any or all such
Cardholder Information so provided;
(b) the Bank may provide any or all Cardholder Information it has to the HSBC Member
concerned;
(c) the Bank may request or instruct the HSBC Member to collect on behalf of the Bank
all monies as shall be due and payable by the Cardholder under this Agreement;
(d) the Bank may assign any monies due and payable by the Cardholder under this
Agreement to the HSBC Member concerned;
(e) to the extent permitted by the applicable laws and regulations, the Cardholder waives
all such rights the Cardholder may have in respect of the assignments referred to in
Clause 31(d) above; and
(f) Clause 14 of this Agreement shall apply also to the deduction or withholding from
any sum payable by the Cardholder to the Bank or any other HSBC Member who has
issued the Cardholder with an HSBC Premier Credit Card.
32 Where the Cardholder maintains an Integrated Account with the Bank with the Tier of
HSBC Premier allocated and has been issued with another HSBC Premier Credit Card
offered by another HSBC Member, the Cardholder hereby agrees to and authorises the
following:
(a) the Bank may request the HSBC Member concerned to provide it with any or all
Cardholder Information and the Bank may use, store, transfer (whether within
or outside the Hong Kong SAR) or disclose to any other parties any or all such
Cardholder Information so provided;
(b) the Bank may provide any or all Cardholder Information it has to the HSBC
Member concerned;
(c) the Bank may collect on behalf of the said HSBC Member such monies due and
payable by the Cardholder to the same under or in connection with the HSBC
Premier Credit Card issued by that HSBC Member to the Cardholder;
(d) the Bank may accept any assignment of monies due and payable by the HSBC
Member concerned under or in connection with the HSBC Premier Credit Card
issued by that HSBC Member to the Cardholder;
(e) the Bank may exercise its right of set-off set out in Clause 20 of this Agreement in
respect of the assigned debts referred to in Clause 32(d) above;
(f) to the extent permitted by all relevant laws and regulations, the Cardholder
waives all rights he may have against and in relation to the assignment of debts
referred to in Clause 32(d) above and the Bank’s exercise of its right of set-off
against such assigned debts; and
(g) Clause 14 of this Agreement shall apply also to the deduction or withholding
from any sum payable by the Cardholder to the Bank or any other HSBC Member
who has issued the Cardholder with an HSBC Premier Credit Card.
33 Clauses 31 and 32 equally apply to Additional Cards issued by the Bank and another
HSBC Member.
34 Any notice given by the Bank hereunder will be deemed to have been received by
the Cardholder after
(a) personal delivery of such notice to the cardholder if it is personally delivered; or
(b) the Bank has posted such notice by post if the notice is sent by post; or
(c) the Bank has emailed such notice if it is sent by email; or
(d) the Bank has placed such notice in the Personal Internet Banking Profile of the
cardholder if it is made available therein.
35 The current fees, charges and interest rates referred to herein are set in the Bank’s
“Bank tariff guide for HSBC Retail Banking and Wealth Management Customers”

available at all branches upon request. If particular services not specified herein are
required, other fees and charges as set out in the Bank’s “Bank tariff guide for HSBC Retail
Banking and Wealth Management Customers” may apply. The Bank reserves the right
to alter these Terms and Conditions as well as such amounts, interest rates, percentages
or other fees and charges from time to time and may notify the Cardholder of any such
alterations in any manner it thinks fit. The Cardholder will be bound by such alterations
unless the Card is returned to the Bank for cancellation before the date upon which any
alteration is to have effect.
36 Use of the Card is further subject to the related provisions in the Integrated Account
Terms and Conditions. In the event of inconsistency between the Integrated Account
Terms and Conditions and the terms set out in this Agreement, the latter shall prevail.
37 The Card shall not be used for payment of any gambling or other transaction which is
illegal under any applicable laws and the Bank reserves the right to decline processing
or paying any Card Transaction which it suspects to be a gambling or other transaction
which is illegal. In the event that the Bank suspects, believes or otherwise has knowledge
that any Card Transaction effected is for the purpose of or is otherwise related to gambling
or a transaction which is illegal under any applicable or relevant laws, the Bank reserves
the right to reverse or cancel that Card Transaction.
38 The Bank shall not be liable for any delay, failure or computer processing error in
providing any of the Bank’s equipment or other facilities or services to the Cardholder
to the extent that it is attributable to any cause beyond the Bank’s reasonable control
including any equipment malfunction or failure and under no circumstances shall the
bank be responsible to the Cardholder or any third party for any indirect or consequential
losses arising out of or in connection with such delay, failure or computer processing
error. In particular, but without prejudice to the generality of the foregoing, the Bank shall
incur no liability as a result of any act or omission of any third party (which is not acting
as an agent of the Bank through which any facilities or services to the Cardholder may be
made available provided that the Bank shall have exercised reasonable care and skill in
connection with its dealings with such third party.
39 This Agreement will be governed by and construed in accordance with the laws of the
Hong Kong SAR.
Effective from 1 November 2012
NOTE: In case of discrepancies between the English and Chinese versions, the English version shall
apply and prevail.

Information on your HSBC Premier Credit Card
The following information on the use of a credit card from HSBC is for your reference. For a
comprehensive set of legally binding terms and conditions, please refer to the Cardholder
Agreement.
1 For your own protection, please take good care of your credit card from HSBC (the Bank)
and note the secvvurity of your personal identification number (PIN):
a) Sign your card as soon as you receive it.
b) Keep a note of your card number in a safe place, separate from the card.
c) Keep your card in a secure place and treat it as if it were cash.
d) Remember to take your card from the Automated Teller Machine (ATM) after use.
e) Always complete the ‘total’ box on the sales slip, with a currency sign before the
numbers, and don’t leave space for extra figures.
f) Watch and ensure that only one sales slip is imprinted for each transaction.
g) Make sure your card is returned to you promptly after use.
h) Keep the customer copy of your sales slips and check them against your monthly
statements.
i) Destroy your personal identification number (PIN) advice after memorising it.
j) Do not write down or record your PIN. If you wish to keep a written record of your
PIN, disguise it and never keep it on or close to your card.
k) Do not let anyone else use your card and PIN.
l) Do not choose obvious numbers for your PIN, such as your ID card number, date of
birth, personal telephone numbers or other easily accessible personal information.
m) For extra security, change your PIN regularly.
n) Make sure your PIN is protected from view when you access our Interactive Voice
Response System (IVRS), logon to the HSBC on-line banking service, and use the ATM
or any other electronic payment terminal. If you think someone has seen your PIN,
change it immediately.
2 If your card/PIN has been lost or stolen, or if your PIN is disclosed to a third party,
please report the incident immediately by calling HSBC Premier Hotline on (852)
2233 3322 or inform the nearest HSBC branch. If you are overseas, report to any
MasterCard member bank.
Please note that you are liable for all amounts debited to your credit card as a result
of the unauthorised use of your card/PIN until you report loss, theft or disclosure
of your card or PIN. Provided that you have not knowingly provided your card to a
third party, or you have not acted fraudulently or with gross negligence, and you
have informed us as soon as practicable after having found that your card has been
lost, stolen or disclosed, your liability for the card transactions will be limited to a
maximum of HK$500 (except that cash advances effected with the use of the PIN will
not be subject to this limit).
3 Each credit card is assigned a credit limit that applies to both purchase and cash
advance transactions. For your own credit limit, please refer to your card statement.
The Bank may at its discretion allow for any card transactions exceeding the credit
limit, and reduce the credit limit according to the result of its credit risk assessment
of you or the card account, without prior notice to you.
4 If you draw a cash advance at the counter of the Bank, the withdrawal limit will be
equal to your available credit limit. If you draw a cash advance through Automated
Teller Machines (ATMs), there will be a daily limit of HK$10,000 or your available
credit limit whichever is lower.
5 All funds credited to the Card Account will be applied to reduce its outstanding
balance. Any credit balance resulting from this will be added to the available credit
limit.
6 If you maintain other account(s) with the Bank and you have linked them to your
credit card, you may use your credit card to withdraw cash/transfer fund from the
account(s) through ATMs or to pay funds from the account(s) through the Easy Pay
System (EPS). There is a daily cash withdrawal limit of HK$40,000 for ATMs (or the
local currency equivalent if drawn from an ATM overseas) and a daily transfer limit
of HK$50,000 for transfers to any accounts not linked to the credit card. There is
no limit imposed on transfers among your accounts linked to the credit card. For
payment through EPS, the daily maximum limit is HK$50,000.

7 You may register for HSBC’s internet banking services using your credit card and your
credit card PIN to perform banking transactions online. The use of such facility will be
subject to the Bank’s Terms and Conditions for HSBC Internet Banking.
8 The Bank accepts no responsibility for the non-acceptance of the card by any merchant,
or for the quality of goods and services provided by any merchant, or for any regular
payment arrangement with any merchant. If you have any concerns regarding a
merchant, you may call HSBC Premier Hotline on (852) 2233 3322. However, a cardholder
is required to settle the related transaction(s) even if he/she is claiming against the
merchant.
9 Upon receipt of your credit card statement, please check the entries against your credit
card sales slips. If you have any queries on the statement entries, you should refer to the
Bank by calling HSBC Premier Hotline within 60 days of the statement date.
10 On all purchase transactions charged to your card, you can enjoy an interest-free period
of up to 56 days.
11 If you are holding a Hong Kong dollar credit card issued by the Bank, transactions
effected in currencies other than Hong Kong dollars will be debited to the Card Account
after conversion into Hong Kong dollars at a rate of exchange determined by reference
to the exchange rate adopted by MasterCard International on the date of conversion,
plus an additional percentage levied by the Bank and any transaction fee(s) charged by
MasterCard International to the Bank, if applicable, which fees may be shared with the
Bank.
12 The following fees and charges apply as appropriate:
a) Finance charge: No finance charge will be payable if the payment of the whole of the
statement balance is received by the Bank on or before the payment due date. If the
cardholder fails to pay the Bank the whole of the statement balance by the payment
due date, a finance charge will be applied (a) to the unpaid statement balance from
the statement date immediately preceding the said payment due date until payment
in full and (b) to the amount of each new transaction being posted since the statement
date immediately preceding the said payment due date, from the transaction date
until payment in full. The finance charge will accrue daily and be calculated at the
interest rate of 2.50% per month (equivalent to an annualized percentage rate (APR) of
up to 34.46% on purchase and 35.61% on cash advance, inclusive of the handling
fee and cash advance fee)*.
b) Late charge: If the minimum payment due is not received by the Bank on or
before the payment due date, a late charge of 5% of the minimum payment
(subject to a minimum of HK$180 and a maximum of HK$250) will be levied on
your card account.
c) Cash advance fee: Cash advances include all cash withdrawals made from the
Card Account including withdrawals from funds credited to the Card Account. It
will be subject to a handling fee of 3% on the amount of advance (a minimum
of HK$80 for an over-the-counter cash advance and a minimum of HK$55 for an
advance made from an ATM or through any other channels) plus a cash advance
fee of 2% on the amount of advance. The charges are flat and shall be debited to
the card account as at the date of the advance.
d) Card replacement fee: Waived for HSBC Premier Credit Card (A fee of HK$30
for a Private Label Card will be charged for each card replaced).
e) Returned cheque/rejected autoPay: A handling fee of HK$100 will be charged
to the card account for each returned cheque or rejected autoPay if it is drawn on
a bank other than HSBC.
f) Annual fee: No annual fee for HSBC Premier Credit Card primary and
combined additional cards.
This fee is subject to change at the Bank’s discretion.
If you require any additional services (such as extra copies of account statements,
clearing of foreign cheques paid into the account, etc.), other fees and charges may
apply. For details, please refer to “Bank tariff guide for HSBC Retail Banking and Wealth
Management Customers” available at any HSBC branch in Hong Kong.
13 Termination of your card will not automatically lead to termination of any merchant
auto payment arrangement, such as autoPay, instalment plan, etc., that are set up or
authorised prior to the termination of the card. If you wish to modify/terminate any
merchant auto payment arrangement, please directly contact the related merchant(s)
who will be responsible for making the necessary arrangements.
14 Whether you are a primary cardholder or an additional cardholder, if you maintain
an outstanding balance on your card account (or, if you are the primary cardholder,
any additional card account also), the Bank may, without notice, combine or

consolidate the outstanding balance with any other account(s) (including credit card and
deposit accounts) that you maintain with the Bank and set-off or transfer the money to
settle the outstanding balance of your card account (or, for a primary cardholder, any
additional card account).
15 Upon termination of a card account or a cardholder’s bankruptcy or death, the cardholder
or his/her estate has to pay in full to the Bank the whole of the outstanding balance of
his/her card account together with the amount of any transactions effected but not yet
charged to the account. The Bank may employ third parties to collect any outstandings
and request reimbursement of all cost or charges reasonably incurred from the
cardholder or his/her estate.
16 As a primary cardholder, you are liable for the use of the primary as well as any additional
card. The Bank may recover any outstandings and charges incurred by the additional
card from either the primary or the additional cardholder or both. However, an additional
cardholder is liable for the use of his/her own additional card only and is not liable for the
associated primary card or any other additional cards linked to that primary card account.
17 Your card may not be used for payment of any gambling or other transaction which
is illegal under any applicable laws. We have a chargeback right in respect of such
transactions effected.
* This APR is calculated based on a set of assumptions as set out in the relevant guidelines
as referred to in the Code of Banking Practice and the actual APR applied may be
different.
Effective from 1 July 2012
NOTE: In case of discrepancies between the English and Chinese versions, the English version shall
apply and prevail.

Extract of the Integrated Account Terms and
Conditions – Sections V, XII and Appendix I
The Hongkong and Shanghai Banking Corporation Limited
Section V ATM Card and Credit Card
1. The ATM Card
1.1 The ATM Card is the property of the Bank. The Bank may suspend or withdraw, at
its discretion, the ATM Card and/or any of the services thereby offered at any time
without prior notice.
1.2 The loss or theft of the ATM Card should be reported to the Bank immediately and
confirmed in writing as soon as possible. The Customer will be responsible for all
transactions effected by use of the ATM Card until such notification. The Bank may
debit any Account with any cost incurred in issuing a replacement ATM Card.
2. Liabilities for ATM Card Transactions
2.1 Subject to Clause 1.2 of this section, the Customer will be responsible for all
transactions effected by use of the ATM Card, whether authorised by the Customer or
not.
2.2 The related Account will be debited with the amount of any withdrawal, transfer and/
or other transaction effected by use of the ATM Card. The Customer will maintain
sufficient funds in the Accounts to meet any such transactions. Transactions which
are effected in currencies other than HKD will be debited to the related Account after
conversion into HKD at a prevailing rate as determined by the Bank on the day of
conversion.
2.3 The PIN is strictly confidential and should not be disclosed to any third party under
any circumstances or by any means whether voluntarily or otherwise. The Customer
should not keep any written record of any PIN in any place or manner which may
enable a third party to use the ATM Card.
2.4 Cash and/or cheques deposited with any automated teller machines (ATM) by use of
the ATM Card will be credited to the related Account subject to subsequent verification
by the Bank in its normal course of business. The statement issued by the ATM at the
time of deposit only represents what the Customer purports to have deposited
and will not be binding on the Bank. Cheques will be accepted for collection only
and the proceeds will not be available until they have been cleared.
2.5 The Bank will not be liable for any consequential or indirect damages arising
from or related to the use of the ATM Card.
2.6 The Bank may disclose, in strict confidence, to other institutions (whether within
or outside Hong Kong) such information concerning the ATM Card and the
Accounts as may be necessary or appropriate in connection with its participation
in any electronic fund transfer network.
2.7 For the purposes of this Section V, all references to Accounts shall include all
other accounts accessible by the ATM Card.
3. The Credit Card
3.1 Where a Credit Card is issued to the Customer, the Customer shall be bound by
the relevant Credit Cards Cardholder Agreement.
3.2 Where an ATM facility has been incorporated in the Credit Card, the use of such
facility will be subject to the above terms and conditions on the use of the ATM
Card.
Section XII Phonebanking Service
1.1 The Bank will from time to time determine or specify the scope and features of
the Phonebanking Service and to modify, expand or reduce the same at any time
and from time to time with or without notice. Where such notice shall, in the sole
discretion of the Bank, be given, such notice may be made in such manner and
by such means of communication as the Bank shall deem fit, including, without
limitation, the use of direct mailing material, advertisement or branch display.
1.2 The Bank is authorised to act on the Telephone Instructions of the Customer. Each of
the Debit Accountholders and the Customer agree that:
(a) the Bank is authorised to act on any Telephone Instructions which the Bank
at its sole discretion believes emanate from the Customer by the use of the
Phonebanking PIN and the Bank shall not be liable for acting in good faith from
Telephone Instructions which emanate from unauthorised individuals and

shall not be under any duty to verify the identity of the person(s) giving Telephone
Instructions purportedly in the name of the Customer;
(b) the Customer shall undertake to keep the Phonebanking PIN strictly confidential at
all times and that shall include, without limitation, not disclosing the Phonebanking
PIN to any third party under any circumstances or by any means whether voluntarily
or otherwise and not to keep any written record of the Phonebanking PIN in any
place or manner. The Customer shall report to the Bank immediately upon losing the
Phonebanking PIN or realising it has fallen into the hands of any unauthorised party;
(c) each related Debit Accountholder shall ensure that there are sufficient funds or
prearranged credit facilities in the Account(s) or Debit Accounts for the purpose of the
Telephone Instructions and the Bank shall not be liable for any consequence arising
out of the Bank’s failure to carry out such Telephone Instructions due to inadequacy of
funds and/or credit facilities provided always that, if the Bank shall at its sole discretion
decide to carry out the Telephone Instructions notwithstanding such inadequacy, the
Bank may do so without seeking prior approval from or notice to the related Debit
Accountholder(s) and each related Debit Accountholder shall be responsible for the
resulting overdraft, advance or credit thereby created;
(d) any exchange rate or interest rate quoted by the Bank in response to a Telephone
Instruction is for reference only and shall not be binding on the Bank unless confirmed
by the Bank for the purpose of a transaction and such confirmed exchange rate or
interest rate, if accepted by the Customer through the Phonebanking Service, shall be
absolutely binding on the Customer notwithstanding that a different exchange rate or
interest rate might have been quoted by the Bank at the relevant time through other
means of communication;
(e) the Bank shall not be liable to the Customer or any Debit Accountholder for any failure
to carry out any Telephone Instruction which is attributable, wholly or in part, to any
cause beyond the Bank’s control including any equipment malfunction or failure and
under no circumstances shall the Bank be responsible to the Customer or any Debit
Accountholder for any indirect or consequential losses arising out of or in connection
with the carrying out or otherwise of any Telephone Instructions;
(f) the Customer and each Debit Accountholder shall jointly and severally keep the Bank
indemnified at all times against, and to save the Bank harmless from, all actions,
proceedings, claims, losses, damages, costs and expenses which may be brought
against the Bank or suffered or incurred by the Bank and which shall have arisen either
directly or indirectly out of or in connection with the Bank accepting Telephone
Instructions and acting or failing to act thereon unless due to the wilful default
of the Bank, such indemnity shall continue notwithstanding the termination of
the Master Account, an Account, an ATM card, a Credit Card, the variation or the
withdrawal of the Tier by the Bank or the termination of any service(s) accessible
via the Phonebanking Service; and
(g) the Customer shall notify the Bank should a Debit Account be converted to a joint
account with joint signing mandate and the Bank reserves the right to exclude
such an account from the Phonebanking Service.
1.3 The Customer shall notify the holder of the Credit Accounts and Debit Accounts
or such other accounts not being Credit Accounts but to which the Customer has
transferred money using the Phonebanking Service of the details of the transactions
performed pursuant to Telephone Instructions. The Bank shall not be responsible to
the Customer or any other person for giving any such notice.
1.4 The Customer understands and acknowledges that Telephone Instructions may not
necessarily be processed by the Bank immediately or on the same day of the giving
of such Telephone Instructions due to system constraint or the banking procedures
of the Bank. The Customer agrees that the Bank shall not be held responsible to the
Customer or any other person for effecting such Telephone Instructions at a later
time and the Bank’s decision as to when to effect the said Telephone Instructions
shall be final and binding on the Customer.
1.5 All agreements, terms and conditions governing the respective accounts, services
and products offered under or otherwise covered by the Phonebanking Service at
any time and from time to time will continue to apply unless otherwise advised by
the Bank. In the event that such agreements, terms and conditions are inconsistent
with this Section, the provisions set out in this Section will prevail to the extent of
the inconsistency.
1.6 The Bank reserves the right to impose service fees and/or other charges from time
to time in relation to this Phonebanking Service as the Bank shall in its absolute
discretion think fit.
1.7 The Bank reserves the right to at any time suspend or terminate the Phonebanking
Service with or without cause and with or without notice.

1.8 Where the Customer has signed up for or has been provided with the Account-level
Phonebanking Service offered by the Bank prior to 14 December 2008 and continues to
utilise the same without converting to the Customer-level Phonebanking Service offered
by the Bank on or after 14 December 2008, all references to and in connection with Credit
Card(s) in this Section XII shall for all purposes be excluded and this Section XII and other
terms in these Integrated Account Terms and Conditions applicable to the Phonebanking
Service shall be construed accordingly when being applied to such Customer.
Appendix I
Definitions
“Account” means each of the Savings Account, Current Account, Time Deposits Account,
Investment Services Account, Securities Account, Wayfoong Statement Gold Account and
any other accounts opened or to be opened by the Customer under the Master Account and
provided for in the above Terms and Conditions.
“ATM Card” means any card in relation to the Master Account and/or a Tier issued to the
Customer by the Bank which may be used to effect banking transactions by electronic means,
whether at automated teller machines, point of sale terminals or such other mediums as shall
be made available by or are acceptable to the Bank from time to time.
“Bank” means The Hongkong and Shanghai Banking Corporation Limited, including its
successors and assigns, of 1 Queen’s Road Central, Hong Kong, a registered institution under
the Securities and Futures Ordinance. The Bank is registered with the Securities and Futures
Commission, Hong Kong with central entity number AAA523.
“Credit Account” means any account (for the purpose of this definition, including but not
limited to the Account) maintained with the Bank to which funds are credited using the
Phonebanking Service.
“Credit Card” means a credit card issued by the Bank in connection with the Master Account
and/or a Tier which is not otherwise generally available to other customers of the Bank who
do not maintain a current Master Account and/or are awarded with the Tier concerned.
“Customer” means the person who is the holder of a Master Account. Where there is more
than one such person, references to the “Customer” shall be construed, as the context
requires, to any, all or each of them.
“Debit Account” means, subject to the related Debit Accountholder(s) having agreed
to the terms of Section XII Clause 1, any account (for the purpose of this definition,
including but not limited to the Account) maintained with the Bank from which funds are
debited using the Phonebanking Service.
“Debit Accountholder” means each accountholder of a Debit Account, including for the
avoidance of doubt the Customer.
“Instruction(s)” means each and any Instruction given by any means or mediums as
may be acceptable to the Bank from time to time and may include by fax, by telex, by
telephone, via the automated teller machines, via point of sale terminals, by or via any
other electronic means or mediums and/or by any other means or mediums as may be
acceptable to the Bank from time to time.
“Phonebanking PIN” means the PIN designated specifically for or otherwise accepted
by the Bank for use with Phonebanking Service.
“Phonebanking Service” means the services provided by the Bank to the Customer
referred to in Section XII through which a Customer can utilise to access and/or operate
a Customer’s account(s) (including but not limited to the Master Account) and card(s)
(including but not limited to the Credit Card or ATM Card) and to enjoy such banking
and other services as shall be offered thereunder from time to time.
“PIN” means the personal identification number or code that applies or is used for
the purpose of identification of the Customer in giving instructions to the Bank by
telephone or for use with an ATM Card or a Credit Card. A PIN may be designated by
the Bank or the Customer or generated by a security device designated or approved
by the Bank as shall be applicable.
“Services” means any one or more of the services made available to the Customer
under the Master Account and/or a Tier at any time and from time to time including
without limitation credit facilities, Investment Services and Account services.
“Tier” means a tier designated by the Bank and allocated to a Customer which allows
the Customer to enjoy certain Features under and/or in connection with the Master
Account.
“Telephone Instructions” means instructions given by the Customer by telephone.

The Hongkong and Shanghai Banking
Corporation Limited
ATM card Terms and Conditions
In these Terms and Conditions to which the use of ATM card’s will be subject, ‘ATM card‘ shall
mean any card issued to the Cardholder by the Bank which may be used to effect banking
transactions by electronic means whether at auto mated teller machines (‘ATMs‘), point of
sale terminals or otherwise. ‘Cardholder’s account‘ shall mean any account nominated by the
Cardholder in respect of the ATM card.
1. The ATM card is and will be at all times, the property of the Bank. The Bank
reserves the right to withdraw, at its discretion, the ATM card and/or any of the
services thereby offered at any time without prior notice.
2. Subject to the provisions of paragraph 5, the Cardholder will be responsible for all
transactions effected by use of the ATM card, whether authorised by the Cardholder or
not.
3. The Cardholder’s account will be debited with the amount of any withdrawal, transfer
and/or other transaction effected by use of the ATM card. The Cardholder will maintain
sufficient funds in the Cardholder’s account to meet any such transactions.
4. The Personal Identification Number issued to the Cardholder for use with the ATM card
services and any number(s) substituted by the Cardholder for that purpose (‘PINs‘)
are strictly confidential. PINs should not be disclosed to any third party under any
circumstances or by any means whether voluntarily or otherwise. The Cardholder should
not keep any written record of any PIN in any place or manner which may enable a third
party to use the ATM card.
5. The loss or theft of the ATM card should be reported to the Bank immediately and
confirmed in writing as soon as possible. The Cardholder will be responsible for all
transactions effected by use of the ATM card until such notification. The Bank will
debit the Cardholder’s account with any cost incurred in issuing a replacement ATM
card.
6. Cash and/or cheques deposited with any ATM by use of the ATM card will only be
credited to the Cardholder’s account after verification by the Bank. The statement issued
by the ATM at the time of deposit only represents what the Cardholder purports to have
deposited and will not be binding on the Bank. Cheques will be accepted for collection
only and the proceeds will not be available until they have been cleared.
7. The Bank will not be liable for any failure to provide any service or to perform
any obligation hereunder where such failure is attributable (whether directly or
indirectly) to any dispute or other circumstance beyond its control. The Bank
will not be liable for any consequential or indirect damages arising from or
related to the use of the ATM card.
8. The Cardholder’s account will be debited with such charges as the Bank may
from time to time consider reasonable in respect of the ATM card provided that
prior notice of such charges is given to the Cardholder.
9. Networks: The Bank reserves the right to disclose, in strict confidence, to other
institutions (whether within or outside Hong Kong), such information concerning
the Cardholder’s account as may be necessary or appropriate in connection with its
participation in any electronic fund transfer network.
10. The Bank reserves the right to add to, delete and/or to vary any of these Terms and
Conditions upon notice to the Cardholder. Use of the ATM card after the date upon
which any change to these Terms and Conditions is to have effect (as specified in the
Bank’s notice) will constitute acceptance without reservation by the Cardholder of
such change. If the Cardholder does not accept any proposed change, the ATM card
must be returned to the Bank prior to the date upon which such change is to have
effect.
11. Any notice hereunder sent by post will be deemed to have been received by the
Cardholder within 7 days of posting to the address last notified in writing to the
Bank by the Cardholder. Publication of change by such means as the Bank may
consider appropriate will constitute effective notice to the Cardholder thereof.
12. If more than one person signs or agrees to be bound by these Terms and Conditions,
the obligation and liabilities of such persons hereunder will be joint and several and,
as the context may require, words herein denoting the singular only will be deemed
to include the plural. Any notice hereunder to any one such person will be deemed
effective notification to all such persons.
13. These Terms and Conditions shall be governed by and construed in accordance with
the laws of the Hong Kong Special Administrative Region.
NOTE: In case of discrepancies between the English and Chinese versions, the
English version shall apply and prevail.

RewardCash Programme Terms and Conditions
A) General Terms and Conditions
1. Only holders (‘the Cardholders’) of personal credit cards (including Hong Kong dollar, US
dollar, Dual Currency and Renminbi primary and additional cards) (‘the Cards’) issued by
The Hongkong and Shanghai Banking Corporation Limited (‘HSBC’) in the Hong Kong
Special Administrative Region are eligible to participate in the RewardCash Programme
(‘the Programme’). Standalone private label card and iCAN card cardholders are not
eligible for the Programme.
2. Cardholders earn $1 RewardCash for every HK$250 spent (excluding cash advances, fees
and charges, withdrawal amount under the Cash Credit Plan and Cash Credit Instalment
Plan/Cash Instalment Plan, online bill payments to the Inland Revenue Department
made by any Cards, and any online bill payments made by Classic or Gold or Dual
Currency Credit Card) on a Card. For Cardholders using US dollar or Renminbi Card or
Dual Currency Credit Card RMB sub-account, the amount of Card spending required
for earning $1 RewardCash is US$30 or RMB250 respectively. RewardCash will not be
issued on any unposted or cancelled card transaction or any card transaction posted but
subsequently reversed or refunded in whole or in part thereof, including but not limited
to tax refund on overseas purchases. HSBC reserves the right to change the RewardCash
earning rate upon notice.
3. RewardCash earned with respect to each qualified card transaction will be credited to the
Card and odd dollars spent, if any, will be carried forward to the next card transaction(s)
for the purpose of calculating RewardCash entitlement. Any odd dollars remaining as
of a statement date will be carried forward to the subsequent statement months for
calculating RewardCash entitlement.
4. For Card purchases with instalment plan, RewardCash will be issued as and when a
transaction is posted onto the Card account, which may be in one lump sum or in several
instalments depending on the type of instalment plan the Cardholder has entered into.
5. Only those Cardholders whose Card accounts are valid and in good standing will be
entitled to earn and use their RewardCash.
6. RewardCash earned will be valid for at least one year and for up to two years. In the case
of HSBC Premier Credit Cards and HSBC Advance Visa Platinum Cards, RewardCash will
be valid for up to three years. The annual expiry date for RewardCash earned on a Card
shall be the statement date of the month shown as the expiry month (regardless of the
year) on such Card. The applicable expiry date(s) for RewardCash will be shown in
the Cardholder’s monthly credit card statement and HSBC Internet Banking credit
card account.
7. RewardCash are not transferable but may be pooled from the same Cardholder’s
various Cards (i.e. Visa, MasterCard, JCB Gold Card, Renminbi Gold / Classic Card,
UnionPay Dual Currency Diamond Card / UnionPay Dual Currency Card) and
additional Cards. Pooling of RewardCash between primary and additional Cards is
not permitted for the Mileage Programme.
8. All redemptions are subject to the accumulation of sufficient RewardCash and
HSBC’s final acceptance. Orders will be cancelled automatically in the event of
insufficient RewardCash.
9. Once a redemption order (including redemption under RewardCash e-shop, Mileage
Programme, etc.) has been accepted by HSBC, it cannot be changed, cancelled
or refunded. Redemption or notification letter will be mailed to cardholders’
correspondence address within four to six weeks.
10. HSBC is not a supplier of the merchandise, or the products and services redeemable
under the Programme, and will not accept any liability in relation thereto.
11. Gifts and vouchers redemption from RewardCash e-Shop and participation in
RewardCash Certificate Scheme, Instant RewardCash Redemption at Merchants,
Mileage Programme and Octopus Rewards Conversion Scheme are further subject
to the terms and conditions applicable thereto.
12. Fraud and abuse relating to the earning and pooling of RewardCash or redemption
orders (including without limitation where the amount of a related transaction or
part thereof is subsequently refunded to the Cardholder, whether through the credit
card account or other means) may result in the forfeiture of the accrued RewardCash
as well as the cancellation of a Cardholder’s Cards.
13. HSBC reserves the right to change the terms and conditions herein and the amount
of RewardCash required for redemption from time to time upon notice.
14. In case of any dispute arising from the Programme, the decision of HSBC shall be final.
15. In case of discrepancies between the English and the Chinese versions of these
terms and conditions, the English version shall prevail.

B) RewardCash e-Shop
1. Items offer at RewardCash e-Shop are available only to Cardholders who perform
RewardCash redemption via HSBC Internet Banking.
2. RewardCash should be used in an integer. Every $1 RewardCash equals to HK$1 at
RewardCash e-Shop. Cardholder can redeem items at RewardCash e-Shop in full amount
of RewardCash or in any combination of RewardCash and cash, subject to a minimum of
$10 RewardCash for each item. The cash portion must be settled by an HSBC credit card
via HSBC Internet Banking.
3. Offers featured in the HSBC Premier Card Exclusive, HSBC Advance Card Exclusive, Visa
Platinum Card and UnionPay Dual Currency Diamond Credit Card Exclusive and green
credit card Exclusive sections of RewardCash e-shop are available exclusively to holders
of HSBC Premier Credit Cards, HSBC Advance Visa Platinum Cards, HSBC Visa Platinum
Cards, UnionPay Dual Currency Diamond Credit Cards and HSBC green credit cards
respectively.
4. The price indicated for all items at RewardCash e-Shop are in Hong Kong dollars.
Redemptions made using US dollar or Renminbi credit cards will be processed as foreign
currency transactions.
5. HSBC reserves the right to change the items at RewardCash e-Shop from time to time
without notice. All items are available while stocks last.
6. Loyalty Discounts (‘the Loyalty Discounts’) are available to all Cardholders and applicable
to redemptions made at RewardCash e-Shop. The Loyalty Discounts apply to the original
price of the item.
7. The Loyalty Discounts which a Cardholder is entitled to is calculated based on the year in
which a Cardholder’s longest held primary personal Card (excluding cancelled cards and
iCAN Card), which is valid and in good standing, was issued.
8. The Loyalty Discounts are not applicable to redeeming vouchers, RewardCash Certificate,
Instant RewardCash Redemption at Merchants, Octopus Rewards, mileage, credit card
annual fee waiver, mileage programme fee waiver and special redemption offers (as and
when available), and cannot be used in conjunction with any other promotional offer or
discount (unless otherwise specified).
9. HSBC is not responsible for lost, damaged or stolen goods or vouchers redeemed
through the RewardCash e-Shop.
10. HSBC reserves the right to change these terms and conditions upon notice.
C) RewardCash Certificate Scheme
1. Cardholders who wish to participate in the RewardCash Certificate Scheme
(‘the Certificate Scheme’) must first register to the Certificate Scheme via HSBC
Internet Banking or by returning to HSBC a duly completed registration form. Only
Cardholders who have successfully registered may participate in the Certificate
Scheme.
2. Cardholders can enrol any Cards (including primary and additional Cards) under
the same Hong Kong Identity / Passport Number for the Certificate Scheme.
Cardholder must select one primary Card for monthly RewardCash consolidation (‘the
Consolidating Card’).
3. Cardholders can register for or update his / her registration of or de-register from the
Certificate Scheme from time to time. HSBC will process such registration / update /
de-registration request in the next working day and within 14 working days made via
HSBC Internet Banking and other channels respectively.
4. Upon successful registration, RewardCash accumulated and outstanding in the
enrolled Card account(s) will be automatically transferred to the Consolidating Card
on each statement date for calculating RewardCash Certificate entitlement. Such
transfer will be shown in the respective statements of the relevant month.
5. RewardCash accumulated and outstanding in the Consolidating Card account as of
each statement date will be converted into RewardCash Certificate(s) in blocks of $50
RewardCash. The total number of RewardCash Certificate(s) accumulated and issued
in any calendar year will be shown in the monthly statement of the Consolidating
Card and via HSBC Internet Banking.
6. Each RewardCash Certificate, disregard the value of entitled RewardCash, can
only be exchangeable for merchant coupon(s) of equivalent value at one of the
designated outlets of the participating merchants as stipulated on the Certificate.
Cardholders must present the original RewardCash Certificate and Consolidating
Card upon redeeming merchant coupons. HSBC may change the participating
merchant list and designated outlets from time to time without prior notice.
7. RewardCash Certificate(s) will be issued on a quarterly basis. The number of
RewardCash Certificate to be issued will be calculated on the last working day of

March, June, September and December. RewardCash Certificate(s) will be mailed to
Cardholders in the following month, i.e. April, July, October and January respectively.
8. Each RewardCash Certificate is valid for 6 months from the date of issuance. Expired
RewardCash Certificate will not be re-issued.
9. RewardCash transferred from enrolled Card(s) to the Consolidating Card cannot be
reversed, and the RewardCash Certificate(s) accumulated or issued under the Certificate
Scheme cannot be converted back to RewardCash.
10. Only Cardholders whose registered Card account(s) is / are valid and in good standing at
the time of RewardCash Certificate issuance are entitled to participate in the Certificate
Scheme. HSBC reserves the right to disqualify the Cardholders and/or Card account(s)
for the Certificate Scheme once the registered Card account(s) fail(s) to maintain good
standing, including but not limited to any registered Card account(s) being cancelled or
blocked.
11. RewardCash Certificates are not redeemable for cash or transferred to another Card
account under any circumstances. HSBC is not responsible for lost, damaged or stolen of
RewardCash Certificates.
12. In case of any disputes over the transaction records or a Cardholder’s eligibility for the
Certificate Scheme, and any other disputes arising out of the Certificate Scheme, the
decision of HSBC shall be final.
13. HSBC reserves the right to change these terms and conditions upon notice.
D) Instant RewardCash Redemption at Merchants
1. Holders of personal credit cards issued by HSBC in the Hong Kong Special Administrative
Region, except iCAN Cards, JCB Gold or Renminbi Credit Cards, are entitled to participate
in “Instant RewardCash Redemption at Merchants”.
2. All outstanding RewardCash accumulated under the same Cardholder’s Cards (including
those from the combined additional cards) will be pooled and can be redeemed and used
for settling the purchases at the participating merchants. Any shortfall in the purchase
price after deduction of the “RewardCash” must be settled by an HSBC credit card.
3. Once a redemption order has been processed at participating merchants, RewardCash
will be deducted instantly and such redemption transaction cannot be changed, cancelled
or refunded and the redeemed item cannot be refunded or exchanged.
4. Cardholders may enquire about this programme from merchants or visit
for the latest list of participating merchants before
redemption. HSBC reserves the right to amend the list of participating merchants
from time to time. HSBC will not be liable for any loss to Cardholders due to changes
to the list of participating merchants.
5. Unless otherwise specified, the General Terms and Conditions of the HSBC credit
card RewardCash programme apply.
6. HSBC accepts no liability on the goods and services provided by participating
merchants.
7. Card acceptance will be subject to respective merchants’ company policy. The offers
are governed by the terms and conditions stipulated by HSBC and the designated
merchants.
8. In case of disputes arising out of “Instant RewardCash Redemption at Merchants”,
the decision of HSBC and participating merchants shall be final.
E) Mileage Programme
1. Cardholders who wish to participate in the Mileage Programme with respect to
a participating airline (‘the Mileage Programme’) must first fill in an enrolment
form (even if they are already members of the frequent flyer programme(s) of
the participating airline(s)), and their eligibility and participation in the Mileage
Programme will be subject to the conditions and any subsequent change as set out
in the enrolment form.
2. Only Cardholders who are eligible to participate in the RewardCash Programme
are eligible to participate in the Mileage Programme (‘Mileage Programme
Cardholders’).
3. Mileage Programme Cardholders whose credit card accounts are valid and in good
standing (‘Accounts’) will be eligible to transfer their RewardCash to a participating
airline’s frequent flyer programme account.
4. Mileage Programme Cardholders agree to pay HSBC an annual fee of HK$300 /
US$40 / RMB300 for participating in the Mileage Programme. Fees will be
debited to any Account held by the Mileage Programme Cardholder with HSBC
when due and are not refundable.

5. The conversion rate is $1 RewardCash to fifteen miles.
6. Mileage Programme Cardholders must transfer a minimum of $40 RewardCash from
their Accounts each time when a transfer is made to any participating airline’s frequent
flyer programme account.
7. RewardCash can be pooled by the same Cardholder holding different Cards (i.e. Visa,
MasterCard, JCB Gold Card, Renminbi Gold / Classic Card, UnionPay Dual Currency
Diamond Card / UnionPay Dual Currency Card). No pooling of RewardCash is allowed
between primary and additional Cards for transfer to a participating airline’s frequent flyer
programme account.
8. Once transferred, RewardCash cannot be transferred back to the Mileage Programme
Cardholder’s Account or re-transferred to another participating airline’s frequent flyer
programme account.
9. RewardCash must be transferred to a participating airline’s frequent flyer programme
account prior to their expiry date.
10. HSBC assumes no responsibility for RewardCash transferred from a Mileage Programme
Cardholder’s Account to any frequent flyer programme account or for the actions of
any participating airline in connection with its frequent flyer programme or otherwise.
Mileage Programme Cardholders must transfer RewardCash to the Cardholders’ own
individual frequent flyer programme account. Mileage Programme Cardholder is not
allowed to transfer RewardCash to another frequent flyer programme account that does
not belong to the Mileage Programme Cardholder.
11. All questions or disputes regarding eligibility for joining the Mileage Programme or
transferring RewardCash under the Mileage Programme will be decided by HSBC at its
sole discretion.
12. Fraud and abuse relating to the earning and transfer of RewardCash in the Mileage
Programme may result in the forfeiture of accumulated RewardCash as well as the
cancellation of a cardholder’s credit card(s).
13. Mileage Programme Cardholders are subject to and must comply with the rules of the
frequent flyer programme(s) of the participating airline(s) in which they are enrolled. A
copy of the relevant flyer programme rules will be sent to the cardholder upon his / her
enrolment with a participating airline.
14. A participating airline may change its flyer programme rules including regulations,
policies, benefits, conditions of participation or mileage levels, in whole or in part
at any time with or without notice, even though changes may affect the value of the
free mileage already accumulated.
15. Airline participation in the Mileage Programme is subject to change upon notice.
16. Participation of respective HSBC credit card, private label, co-branded and affinity
card cardholders in the Mileage Programme is at the discretion of HSBC.
17. HSBC reserves the right to change the terms and conditions herein and the Mileage
Programme at any time upon notice.
F) Octopus Rewards Conversion Scheme
1. Cardholders who wish to participate in the Octopus Rewards Conversion Scheme
(‘the Scheme‘) must first enrol in the Octopus Rewards programme (‘the Octopus
Rewards programme’) run by Octopus Rewards Limited (‘ORL’) directly with ORL.
HSBC is not involved in this process. Only Cardholders who have successfully
enrolled in the Octopus Rewards programme may participate in the Scheme.
2. Only Cardholders who are eligible to participate in the Octopus Rewards programme
are eligible to participate in the Scheme by completing an enrolment form for the
Scheme provided by HSBC.
3. Only Cardholders who have enrolled in the Scheme (‘enrolled Octopus Rewards
Cardholders’) and whose HSBC credit card accounts (‘Accounts’) are valid and in
good standing will be eligible to convert their RewardCash into Octopus Reward$
under the Scheme.
4. HSBC reserves the right to charge enrolled Octopus Rewards Cardholders an annual
fee for participating in the Scheme at such amount as determined by HSBC at its sole
discretion by the giving of reasonable notice.
5. The conversion rate for the Scheme is $20 RewardCash to Octopus Reward$20.
RewardCash conversion must be made in blocks of $20 RewardCash. A maximum
of $200 RewardCash can be converted per redemption equivalent to Octopus
Reward$200. Enrolled Octopus Rewards Cardholders should make a conversion
request in accordance with the procedures as specified by HSBC from time to time.

6. RewardCash can be pooled by the same Cardholder holding different Cards (i.e. Visa,
MasterCard, JCB Gold Card, Renminbi Gold / Classic Card, UnionPay Dual Currency
Diamond Card / UnionPay Dual Currency Card), or between primary and additional Cards
for conversion to Octopus Reward$.
7. RewardCash may only be converted into Octopus Reward$ before their expiry date.
8. Once a conversion request is submitted to HSBC and RewardCash are successfully
converted into Octopus Reward$ by HSBC, no cancellation and reversion from Octopus
Reward$ back to RewardCash is allowed.
9. Enrolled Octopus Rewards Cardholders agree that HSBC may be required to provide
personal information of the cardholders to ORL to facilitate successful processing of
their conversion requests and crediting of such converted Octopus Reward$ into the
corresponding Octopus account registered for the Octopus Rewards programme and the
Scheme.
10. It takes 14 days for HSBC and ORL to process a conversion request and enrolled Octopus
Rewards Cardholders are required to download the converted Octopus Reward$ after
the relevant conversion request is successfully processed. No separate notification
or reminder will be sent to enrolled Octopus Rewards Cardholders upon successful
conversion. Enrolled Octopus Rewards Cardholders agree that it is the enrolled Octopus
Rewards Cardholders’ sole responsibility to download the converted Octopus Reward$
onto his / her Octopus registered for the Octopus Rewards programme and the Scheme
at any of the Octopus Rewards Service Spots (as specified by ORL and HSBC from time to
time) no later than 90 days from the processing date. Any Octopus Reward$ which are not
downloaded by the enrolled Octopus Rewards Cardholders within the abovementioned
timeframe will be forfeited automatically without notice. HSBC will not be responsible for
any forfeited Octopus Reward$.
11. A conversion request may be rejected by ORL, and the processing time required by ORL
may be prolonged in case of unexpected system failure. HSBC assumes no responsibility
for any rejection or delay in processing of a conversion request by ORL for whatever
reason nor for the action of ORL under its Octopus Rewards programme or otherwise.
Any dispute regarding any converted Octopus Reward$ shall be settled by the enrolled
Octopus Rewards Cardholder with ORL directly.
12. All questions and disputes regarding eligibility for joining the Scheme or for converting
RewardCash under the Scheme will be decided by HSBC at its sole discretion.
13. Fraud and abuse relating to the earning and conversion of RewardCash and Octopus
Reward$ under the Scheme may result in the forfeiture of accumulated RewardCash
as well as the cancellation of a cardholder’s credit card(s).
14. In order to participate in the Scheme, enrolled Octopus Rewards Cardholders are
subject to and must at all times comply with the applicable rules of the Octopus
Rewards programme as stipulated by ORL from time to time.
15. ORL may from time to time change the rules of Octopus Rewards programme
run and operated by it, including regulations, policies, benefits, conditions of
participation or usage of Octopus Reward$, in whole or in part at any time with or
without notice, and any such change may affect the value of the Octopus Reward$
already accumulated.
16. HSBC reserves the right to change these terms and conditions of the Scheme at any
time and from time to time.
Note: In case of discrepancies between the English and Chinese versions, the English
version shall apply and prevail.

Terms and Conditions for the Credit Card
Interest-free Instalment Plan applicable for
the Personal Credit Card Cardholders
1 Only the cardholder (“Cardholder”) of a personal credit card issued by The Hongkong
and Shanghai Banking Corporation Limited (“the Bank”), except US$ Visa Gold Card/
RMB Credit Card/JCB Gold Card/Private Label Card/UnionPay Dual Currency Credit Card
(“Card”), will be eligible for the credit card interest-free instalment plan (“Instalment
Plan”). The Instalment Plan will only be available for purchase from designated vendors
(each a “vendor”) of goods or services as may be accepted by such vendors and the Bank
from time to time.
2 All instalment amounts paid are not refundable. All goods or services purchased under
the Instalment Plan may not be exchanged or returned or traded in and the amount of
each instalment and the instalment period of the Instalment Plan as approved by the
Bank may not (except as permitted under paragraph 4 below) be varied. The Bank is
authorised to continue to debit the Cardholder’s Card account in accordance with these
Terms and Conditions despite any agreement between the Cardholder and the vendor
being contrary to any of the above.
3 The amount of each instalment will be debited to the Cardholder’s Card account on a
monthly basis and will be included as a transaction appearing on the statement to be sent
to the Cardholder in relation to the Card account. Save where expressly provided herein,
each instalment amount shall be treated in the same way as a transaction charged to the
Card account and shall be paid by the Cardholder in the same manner.
4 The Cardholder may at any time repay to the Bank the sum of all instalments then
remaining outstanding under the Instalment Plan by cheque or other means of payment
acceptable to the Bank. If the cardholder’s credit card is cancelled or terminated at any
time during the instalment period, the sum of all instalments then remaining outstanding
under the Instalment Plan shall become immediately due and payable by the Cardholder.
5 The credit limit assigned to the Cardholder’s Card account will be reduced by the total
amount of the instalments upon the Instalment Plan being approved by the Bank and will
only be restored as each instalment amount is paid and to the extent of the instalment
amount actually received by the Bank.
6 The Bank accepts no responsibility in any way for any goods or services purchased
under the Instalment Plan and any dispute relating to the same should be resolved
by the Cardholder directly with the vendor. No claim by the Cardholder against the
vendor will relieve the Cardholder from his / her obligation to repay the monthly
instalments and other obligations to the Bank hereunder.
7 Unless otherwise provided herein, the Bank’s Credit Card Cardholder Agreement
(“Cardholder Agreement”) shall apply to payments under the Instalment Plan
as if each instalment amount were a transaction charged or to be charged to the
Cardholder’s Card account. In the event of any conflict between these Terms and
Conditions and the Cardholder Agreement, the former shall prevail to the extent that
the same relates to matters involving payments under the Instalment Plan.
8 The Bank reserves the right to alter these Terms and Conditions from time to time
and may notify the Cardholder of such alterations in any manner it thinks fit (including
display at the Bank’s branches). The Cardholder will be bound by such alterations
unless the sum of all instalments then remaining outstanding under the Instalment
Plan is settled in full before the date upon which any such alteration is to have effect.
9 This application of the Instalment Plan is subject to the available balance in and
credit limit available to the Cardholder’s Card account and to acceptance by the
Bank.
10 For any purchase order of goods or services that have been placed with the vendor
under this Instalment Plan, the order is irrevocable and no order details can be
altered.
11 These Terms and Conditions will be governed by and construed in accordance with
the laws of the Hong Kong Special Administrative Region.
Effective from 1 November 2012
NOTE: In case of discrepancies between the English and Chinese versions, the English version
shall apply and prevail.

Useful contact numbers
24-hour HSBC Premier Hotline : (852) 2233 3322
For more details on HSBC Credit Cards and the latest offers, please visit .
Issued by The Hongkong and Shanghai Banking Corporation Limited PM/eWP/0712/E