Apply for HSBC Visa Platinum Cash Back Credit Card

Home
Credit cards
Products
HSBC Visa Platinum Cash Back Credit Card

Earn cashback on every spend

Save on your daily expenses with attractive cashback offers from the HSBC Visa Platinum Cash Back Credit Card.

Apply now

Get up to 8% cashback on your daily spending at supermarkets and grocery stores.

Plan ahead for your future and for your loved ones, with an unlimited 1% cashback on your insurance premiums.

Build up a brighter future with an unlimited 1% cashback on your education spending.

Boost it up with an unlimited 0.3% cashback on all other domestic and overseas spending.

HSBC Visa Platinum Cash Back Credit Card perks and privileges

Cashback at supermarkets and grocery stores

Save more on your everyday spending.

Up to 8% cashback at supermarkets and grocery stores, capped at VND200,000 a month (6% for all customers, and an extra 2% for payroll customers)¹
Cashback applies to every in-store and online transaction at supermarkets and grocery stores with the listed merchant category codes (MCC)¹

Cashback on insurance and education spending

Build a better future together with your loved ones with the HSBC Visa Platinum Cash Back Credit Card.

Unlimited 1% cashback on every insurance and education spending¹
Cashback applies to every in-store and online transaction at the point of sales with the listed merchant category codes (MCC)¹

More cashback on all other spending

Get your other day-to-day needs fulfilled, and get unlimited cashback on all other spending.

Earn an unlimited 0.3% cashback on all other spending
Shop to your heart's content with deals of up to 50% at hundreds of our partners, every day

Explore all daily card offers This link will open in a new window

Life with even more perks

Get more out of life

With our exclusive dining programme and curated offers with Visa Concierge - see Visa Concierge website
Spend and repay, guilt-free

Interest-free period of up to 55 days.
Turn purchases into monthly instalments

That can be paid over up to 36 months, with Spend Instalment on the HSBC Vietnam app.

Split big purchases – no interest, no fees

At our partner merchants with an Instalment Plan, no interest and no conversion fees for up to 24 months.
Discover even more deals

With our home&Away offers, daily deals, and member-get-member offers.

Things you need to know

Who can apply?

To apply for an HSBC Visa Platinum Cash Back Credit Card, you must meet all of the following criteria:

Be aged 21 or above
Have a minimum monthly income, credited from a company account, of: VND9 million if you're a salaried Vietnamese citizen; VND15 million if you're a salaried foreigner; VND15 million if you're a Vietnamese citizen who's self-employed or who's a business owner
Be residing in the following cities or provinces: Hanoi, Ho Chi Minh City, Dong Nai, Binh Duong, Long An, Da Nang, Hue, Hoi An, Ba Ria - Vung Tau, Tay Ninh, Bac Ninh, Vinh Phuc, Hung Yen, Hai Duong, Hai Phong
If you're a foreigner staying in Vietnam, you must have had permission to reside in Vietnam for at least 12 consecutive months when you apply

You'll need to submit the following information to apply for this credit card:

A completed credit card application form
Identification documents for the primary cardholder and any supplementary cardholders
Current proof of address
Employment and income documents for the primary cardholder

You can learn more about what you need to submit from our list of required documents (PDF).

The following table shows a summary of some of the fees and charges for this credit card. For the full and most up-to-date details, please refer to our personal banking tariffs guide (PDF).
Fees and charges	Details
Issuance fee (primary card)	VND800,000²
Issuance fee (supplementary card)	VND400,000²
Annual fee (primary card)	VND800,000²
Annual fee (supplementary card)	VND400,000²
ATM cash advance fee (per transaction)	4% of the cash advance amount (minimum VND50,000)
Minimum payment due	Includes all of the following amounts: - 5% of the statement balance, less any instalment repayment amounts, minimum VND50,000 and - any instalment repayment amounts (if any) - the greater of the overdue amount or over-limit amount
Finance charge	36% per year, or no charge if no cash advance has been used and the full statement balance was paid by the due date of each statement. Please note that the finance charge may change from time to time per local regulatory requirements.
Late charge	4% of the minimum payment due (minimum VND80,000, maximum VND630,000)
Administrative fee for overseas transactions (per transaction)	3.5% of the transaction amount
Over credit limit fee	VND100,000

The following table shows a summary of some of the fees and charges for this credit card. For the full and most up-to-date details, please refer to our personal banking tariffs guide (PDF).
Fees and charges	Issuance fee (primary card)
Details	VND800,000²

Fees and charges	Issuance fee (supplementary card)
Details	VND400,000²

Fees and charges	Annual fee (primary card)
Details	VND800,000²

Fees and charges	Annual fee (supplementary card)
Details	VND400,000²

Fees and charges	ATM cash advance fee (per transaction)
Details	4% of the cash advance amount (minimum VND50,000)

Fees and charges	Minimum payment due
Details	Includes all of the following amounts: - 5% of the statement balance, less any instalment repayment amounts, minimum VND50,000 and - any instalment repayment amounts (if any) - the greater of the overdue amount or over-limit amount

Fees and charges	Finance charge
Details	36% per year, or no charge if no cash advance has been used and the full statement balance was paid by the due date of each statement. Please note that the finance charge may change from time to time per local regulatory requirements.

Fees and charges	Late charge
Details	4% of the minimum payment due (minimum VND80,000, maximum VND630,000)

Fees and charges	Administrative fee for overseas transactions (per transaction)
Details	3.5% of the transaction amount

Fees and charges	Over credit limit fee
Details	VND100,000

The following table shows a summary of limits that you should keep in mind with your credit card.
Limit	HSBC Platinum Cash Back Credit Card
Physical card validity	5 years from issuance date. We'll automatically issue you a new physical card before your card's expiry date.
Credit limit	From VND15 million to VND1 billion
Purchase limit	Up to 100% of the credit limit (overlimit is allowed within our accepted limit)
Cash withdrawal limit	Up to 30% of the credit limit within the following limits: - Domestic: VND16 million per transaction - Overseas: VND16 million per transaction or VND30 million per day
Supplementary cards	Up to 2 supplementary cards for direct relatives of the primary cardholder

The following table shows a summary of limits that you should keep in mind with your credit card.
Limit	Physical card validity
HSBC Platinum Cash Back Credit Card	5 years from issuance date. We'll automatically issue you a new physical card before your card's expiry date.

Limit	Credit limit
HSBC Platinum Cash Back Credit Card	From VND15 million to VND1 billion

Limit	Purchase limit
HSBC Platinum Cash Back Credit Card	Up to 100% of the credit limit (overlimit is allowed within our accepted limit)

Limit	Cash withdrawal limit
HSBC Platinum Cash Back Credit Card	Up to 30% of the credit limit within the following limits: - Domestic: VND16 million per transaction - Overseas: VND16 million per transaction or VND30 million per day

Limit	Supplementary cards
HSBC Platinum Cash Back Credit Card	Up to 2 supplementary cards for direct relatives of the primary cardholder

Please note:

Your overseas cash withdrawal limit is subject to State Bank of Vietnam (SBV) regulations.
You can apply for a supplementary card for your spouse or family member. But your credit limit won't increase. Instead, the total credit limit will be shared across both the supplementary cards and the primary card.

Apply now

Apply online in just a few steps and enjoy our latest welcome offer.

Apply online for HSBC Visa Platinum Cash Back Credit Card This link will open in a new window

Before you apply, please make sure you read all the information in the 'Things you need to know' section.

Your mobile device must have a camera for the identity verification process. Please be ready with a supported mobile device for a better experience.

If you experience a disconnection due to poor image quality, please switch to another supported mobile device and re-process the application.

Frequently asked questions

Here's how to apply for an HSBC Visa Platinum Cash Back Credit Card online.

Select 'Apply now'.
Enter your details and we'll send you a security code by SMS.
Enter the security code when prompted.
Follow the instructions on the screen to continue your application.
Get the required documents ready, and upload them.
Submit your completed application.

We'll process your application within the next 1 to 2 working days.

To enjoy the additional 2% cashback, your salary must be credited to your HSBC account between the first and last day of the first month (both days inclusive). That is, the first month that you hold the HSBC Visa Cash Back Credit Card.

The offer will be applied from the seventh working day of the following month onwards. You can then enjoy the offer for specified purchase categories. And you can continue to enjoy it for as long as your salary is credited to your HSBC account.

Please note that your salary will be counted, per our prevailing policy.

Here are a few illustrative scenarios on how this offer works.

Scenario 1

Your salary is credited to your HSBC account in August 2018. So the seventh working day of the next month is 12 September 2018, since 2 September is a national holiday. And so you'll get:

6% cashback rate before 12 September 2018
8% cashback rate from 12 September to 8 October 2018

You'll continue to enjoy the 8% cashback rate for as long as your salary is credited to your HSBC account.

Scenario 2

Your salary is credited to an HSBC account in September 2018. So the seventh working day of the next month is 9 October 2018. And so here's what you'll get:

6% cashback rate before 9 October 2018
8% cashback rate from 9 October to 8 November 2018

If your salary is not credited to an HSBC account in November 2018, you'll only enjoy the 8% cashback rate until 10 December 2018. Then from 11 December 2018, you'll go back to the standard 6% cashback rate.

Scenario 3

Your salary is credited to an HSBC account in January 2019. So the seventh working day of the next month is 18 February 2019, since Tet is from 4 to 8 February 2019. And so here's what you'll get:

6% cashback rate before 18 February 2019
8% cashback rate from 18 February to 8 March 2019

You'll continue to enjoy the 8% cashback rate for as long as your salary is credited to your HSBC account.

We'll credit the cashback to your card automatically. We’ll do this 2 working days after the statement date on your credit card statement.

The amount credited will be shown in your credit card transaction details as 'Cashback credited'. You can find its details in HSBC Online Banking, the HSBC Vietnam app, or on your next credit card statement.

You'll forfeit all the cashback you've earned on your credit card:

If you close your credit card account or if we close your credit card account
When your credit card is terminated
If we suspect, believe or otherwise know that there has been fraud or abuse in earning cashback with your credit card
If you breach any of the terms and conditions in the HSBC Credit Card Cardholder's Agreement

Yes, you can use the cashback you've earned to offset any:

Retail purchase transactions that are posted on our systems, but not billed in your credit card statement yet
Future retail purchase transactions
Negative cashback amounts, which may happen when a transaction has been reversed

Please note that cashback cannot be transferred, withdrawn as cash, or used to pay any credit card statement generated before the cashback was credited

See all credit card FAQs

It's quick and easy to activate your card using the HSBC Vietnam app.

Spread the love – share and enjoy the same privileges, conveniences and rewards with your loved ones.

Refer a friend or family member and get up to VND5 million in cash rewards.

Convert your credit card purchases into flexible monthly instalments with the app.

Notes

¹For details, please refer to the HSBC Cash Back Credit Card terms and conditions (PDF).

²Special issuance fee and annual fee offers apply for customers whose monthly salary is credited to an HSBC account. Please refer to the 'HSBC payroll offers' section in our bank tariffs (PDF).

HSBC Visa Platinum Cash Back Credit Card

Earn cashback on every spend

Our welcome offer to you

Get up to 8% cashback on daily spending

At supermarkets and grocery stores

On your insurance premiums

On your education fees

And on more spending

HSBC Visa Platinum Cash Back Credit Card perks and privileges

Cashback at supermarkets and grocery stores

Cashback on insurance and education spending

More cashback on all other spending

Life with even more perks

Things you need to know

Who can apply?

What you need to apply

Important information and documents

Fees and charges

Card limits to take note of

Apply now

Frequently asked questions

What steps should I follow to apply for this credit card online?

When should I credit my salary into my HSBC account so I can get the extra 2% cashback?

When will the cashback be credited to my credit card account?

When might I forfeit all the cashback I've earned on my credit card?

Can I use the cashback on my credit card to offset my credit card repayments?

You might also be interested in

How to activate your HSBC credit card

Supplementary Card

Member-get-member offer Member-get-member offer This link will open in a new window

Spend Instalment on HSBC Vietnam app

Notes

Member-get-member offer This link will open in a new window