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HSBC Cards Foreign Currency Usage Limits

Purchase Limits

Product Card Type Limit / month
Credit Cards MasterCard Premier Credit Card Up to your HSBC credit card limit
MasterCard Advance Credit Card
Visa Platinum Credit Card
Visa Gold / Classic Credit Card


Debit Cards Premier Visa Debit Card EGP 100,000
Advance Visa Debit Card EGP 45,000
Personal Banking Visa Debit Card EGP 30,000

Change is effective starting 4 May 2017.


Cash withdrawal limits

Debit & Credit Cards Apply on all cards types USD 500*


*Set on the customer level i.e. cover all card types owned by the customers both credit and debit cards.

Above limit is effective starting 4 May 2017.


Please note that transactions in foreign currency is converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency markup fees and charges as per the 'Schedule of Tariff' announced on our website


Frequently Asked Questions

Section I: Foreign currency purchase (non-cash) limits


1. What are the new HSBC cards foreign currency purchase limits?
      • HSBC Cards purchase foreign currency limits per month are as per the below grid


Product Card Type Limit / month
Credit Cards MasterCard Premier Credit Card Up to your HSBC credit card limit
MasterCard Advance Credit Card
Visa Platinum Credit Card
Visa Gold / Classic Credit Card
Debit Cards Premier Visa Debit Card EGP 100,000
Advance Visa Debit Card EGP 45,000
Personal Banking Visa Debit Card EGP 30,000

      • Purchase limit is set on the card level (i.e. different limits apply per card type owned by you and is not set on the overall total foreign currency cards purchases carried per month)
      • Please note that transactions in foreign currency are converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency markup fees and charges as per the 'Schedule of Tariff' announced on our website


2. What are the transactions that fall under this monthly capping?
Limit covers both the transactions of primary and supplementary cards of the same product type.


3. What is the effective date for the capping change?
Change is effective starting 4 May 2017.



4. Will the purchase limit be refreshed on monthly basis?
For credit cards, there will be no capping on the foreign currency transactions. The card can be used overseas up to the credit card limit.
For debit cards, the foreign currency purchase limit will be refreshed based on the monthly calendar after the completion of the first working day of the month (i.e. will be refreshed on the second day of every month while catering for weekends and public holidays).


5. What kind of foreign currency purchases does this limit apply to?
The limit applies to all non-cash foreign currency transactions including face to face purchase transactions and e-commerce/online transactions.


6. What if I am paying for something online that exceeds the monthly limit will you reject my purchase immediately or later?
Yes, if you reached your debit card foreign currency purchases limit per month, the transaction will be rejected.


7. How will the foreign currency transactions be converted into the equivalent in Egyptian Pounds?
Transactions in foreign currency is converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency mark-up fees and charges as per the ‘Schedule of Charges’ announced on our website. Foreign Currency Transactions are converted into your billing currency by the card scheme (Visa or MasterCard®) or HSBC using their applicable exchange rates on the day conversion is made (which is the transaction posting date on HSBC system and not the actual date of transaction and which may involve a conversion to US Dollars or Hong Kong Dollars first).

Section II: Foreign currency cash limits


1. What are the new cards foreign currency cash capping?
HSBC Cards cash overseas withdrawal limit per month will be USD 500 (or equivalent) effective 1 May 2017.The normal cards daily limits for both cash & purchase still apply (no change).


Note: The monthly capping of USD 500 (or equivalent) applies to the overall cash withdrawals by the card customer overseas (covering all his accounts & Cards - irrelevant of the account currency).


2. What are the transactions that fall under this monthly capping?
The following transactions are included within the new capping of USD 500/month:
• All ATM cash withdrawals from customer accounts using Debit Cards
• All ATM cash withdrawals from customer accounts using Credit Cards
• All Cash Advance transactions from ATM machines using credit cards


4. When will the system start calculating the cash FCY usage based on the above cap?
System logic is based on the calendar month. That is to say, the cap to USD 500 (or equivalent) will be refreshed by the start of each month.


HSBC Cards Foreign Currency Usage Limits

Purchase Limits

Product Card Type Limit / month
Credit Cards MasterCard Premier Credit Card Up to your HSBC credit card limit
MasterCard Advance Credit Card
Visa Platinum Credit Card
Visa Gold / Classic Credit Card


Debit Cards Premier Visa Debit Card EGP 100,000
Advance Visa Debit Card EGP 45,000
Personal Banking Visa Debit Card EGP 30,000

Change is effective starting 4 May 2017.

Cash withdrawal limits

Debit & Credit Cards Apply on all cards types USD 500*

*Set on the customer level i.e. cover all card types owned by the customers both credit and debit cards.

Above limit is effective starting 4 May 2017.

Please note that transactions in foreign currency is converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency markup fees and charges as per the 'Schedule of Tariff' announced on our website.

Frequently Asked Questions

Section I: Foreign currency purchase (non-cash) limits


1. What are the new HSBC cards foreign currency purchase limits?
      • HSBC Cards purchase foreign currency limits per month are as per the below grid

Product Card Type Limit / month
Credit Cards MasterCard Premier Credit Card Up to your HSBC credit card limit
MasterCard Advance Credit Card
Visa Platinum Credit Card
Visa Gold / Classic Credit Card
Debit Cards Premier Visa Debit Card EGP 100,000
Advance Visa Debit Card EGP 45,000
Personal Banking Visa Debit Card EGP 30,000

      • Purchase limit is set on the card level (i.e. different limits apply per card type owned by you and is not set on the overall total foreign currency cards purchases carried per month)
      • Please note that transactions in foreign currency are converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency markup fees and charges as per the 'Schedule of Tariff' announced on our website

2. What are the transactions that fall under this monthly capping?
Limit covers both the transactions of primary and supplementary cards of the same product type.

3. What is the effective date for the capping change?
Change is effective starting 4 May 2017.

4. Will the purchase limit be refreshed on monthly basis?
For credit cards, there will be no capping on the foreign currency transactions. The card can be used overseas up to the credit card limit.
For debit cards, the foreign currency purchase limit will be refreshed based on the monthly calendar after the completion of the first working day of the month (i.e. will be refreshed on the second day of every month while catering for weekends and public holidays).

5. What kind of foreign currency purchases does this limit apply to?
The limit applies to all non-cash foreign currency transactions including face to face purchase transactions and e-commerce/online transactions.

6. What if I am paying for something online that exceeds the monthly limit will you reject my purchase immediately or later?
Yes, if you reached your debit card foreign currency purchases limit per month, the transaction will be rejected.

7. How will the foreign currency transactions be converted into the equivalent in Egyptian Pounds?
Transactions in foreign currency is converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency mark–up fees and charges as per the 'Schedule of Charges' announced on our website. Foreign Currency Transactions are converted into your billing currency by the card scheme (Visa or MasterCard®) or HSBC using their applicable exchange rates on the day conversion is made (which is the transaction posting date on HSBC system and not the actual date of transaction and which may involve a conversion to US Dollars or Hong Kong Dollars first).

Section II: Foreign currency cash limits


1. What are the new cards foreign currency cash capping?
HSBC Cards cash overseas withdrawal limit per month will be USD 500 (or equivalent) effective 1 May 2017.The normal cards daily limits for both cash & purchase still apply (no change).

Note: The monthly capping of USD 500 (or equivalent) applies to the overall cash withdrawals by the card customer overseas (covering all his accounts & Cards - irrelevant of the account currency).

2. What are the transactions that fall under this monthly capping?
The following transactions are included within the new capping of USD 500/month:
• All ATM cash withdrawals from customer accounts using Debit Cards
• All ATM cash withdrawals from customer accounts using Credit Cards
• All Cash Advance transactions from ATM machines using credit cards

4. When will the system start calculating the cash FCY usage based on the above cap?
System logic is based on the calendar month. That is to say, the cap to USD 500 (or equivalent) will be refreshed by the start of each month.