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HSBC Visa Gold Credit Card

HSBC Visa Gold Credit Card - HSBC Egypt

Benefits of the HSBC Visa Gold Credit Card

  • Free for life*
  • Unique worldwide offers
  • Financial Flexibility
  • Total control and enhanced security
  • Free for life
    Enjoy your primary HSBC Gold Credit Card free for life provided the minimum annual spend is EGP 5,000. Supplementary cards are free for life irrespective of spend
  • 50% cash advance
    Get up to 50% of your available credit limit as cash advance
  • Competitive interest-free period
    Competitive interest rate of 2.95% per month and interest-free credit for up to 56 days on purchases when you choose to settle your monthly outstanding balance in full
  • Easy Payment options
    Paying your Card bill has never been easier with HSBC!
  • Worldwide acceptance
    The HSBC Gold Credit Card is accepted globally at over 32 million retail outlets. Access cash from over 24,000 HSBC ATMs and Visa member banks around the globe
  • Chip and PIN
    The HSBC Gold Credit Card is embedded with a microchip, and when used with a 6-digit PIN, it provides more protection against fraud than magnetic stripe cards
  • HSBC Entertainer Mobile App
    Free for HSBC credit card customers, the HSBC Entertainer Mobile App gives instant access to over 8000 ‘Buy 1 Get 1 Free’ offers across 15 countries
  • HSBC Credit Cover
    A comprehensive insurance cover which protects the cardholder's outstanding balance in the unfortunate event of permanent total disability, critical illness or loss of life
  • Supplementary cards
    Share the unbeatable advantages of your Credit Card with up to 4* of your relatives by issuing them free for life supplementary cards
  • Emergency assistance worldwide
    Lost and stolen card reporting service and emergency card replacement
  • PayWave technology
    Contactless 'payWave' technology allows the customer to save time on small value purchases by just waving the HSBC Card in front of a payWave reader for small value purchases. You may not be required to enter your PIN or sign for the transaction. This feature is currently available only at selected outlets.

*Up to 4 supplementary credit cards on all your credit cards' types.

Free HSBC Entertainer Mobile App

Absolutely free for HSBC Credit Card customers, the HSBC Entertainer mobile app gives you the following benefits:

  • Instant access to over 8,000 'Buy 1 Get 1 Free' offers,
  • Offers across 15 countries: Bahrain, Cyprus, Egypt, England, Hong Kong, Jordan, Kuwait, Lebanon, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, South Africa and the United Arab Emirates
  • Offers for your whole family covering dining, entertainment, hotel accommodation and wellness
  • Helps you easily locate offers near you or in specific areas such as malls and hotels.

HSBC Entertainer app terms and conditions apply.

For more information about HSBC Entertainer click here

Visa Offers

You can have the best things in life with your Gold Credit Card, at home and abroad. There’s a diverse range of offers from VISA to choose from across travel, hotels, car hire, shopping, golf, dining and entertainment. So you can enjoy holidays in style, savour exquisite cuisine in fabulous restaurants or cafés and shop till you drop for your favourite brands. Visit www.visacemea.com/wv/Gold

HSBC Special Offers

Enjoy a variety of discounts tailored specially for HSBC Credit Cardholders at selected merchants when payment is made using HSBC Credit Card

home&Away

The home&Away privilege programme offers all HSBC credit cardholders an array of fabulous benefits around the world, with over 27,000 outlets in more than 160 countries and territories. Whether you are staying at home or travelling, do not miss out on these great offers.

For more information about home&Away click here

Experience extra levels of online security:

With Verified by Visa® you get an additional layer of online shopping security when you shop at participating retailers using your HSBC Credit Card.
Cards online security

Chip and PIN

The HSBC Visa Gold Credit Card is embedded with a microchip, and when used with a 6-digit PIN, it provides more protection against fraud than magnetic stripe cards

Chip & PIN FAQs

Free SMS alert Service:

Monitor your card usage closely and securely through the free SMS alert service from HSBC Bank Egypt. You will be automatically enrolled into the service and will instantly receive a message on your local mobile phone informing you of your card transactions in real time.

HSBC Credit Cover

Enjoy complete peace of mind with HSBC Credit Cover
As an HSBC Advance Credit Cardholder, you can now benefit from an optional comprehensive Credit Cover against your outstanding balance. In the event of Permanent Total Disability, Critical Illness or Loss of Life (God forbid) of the HSBC Gold Cardholder, 100% of the outstanding balance on the Card is settled up to a maximum of EGP 115,000.

Benefits are subject to a maximum aggregate amount of EGP 300,000 on all types of HSBC Cards held by the Cardholder.


To opt-out of this service, visit any HSBC Bank Egypt Branch or call us on 19007 (within Egypt) or +202 35359100 (from outside Egypt).


For more information about the credit cover, click here

Primary Card Annual fee Primary card:
Free* for life provided spend is EGP 5,000/year or more.

The minimum spend threshold for Visa Gold cards is limited to purchase transactions only carried by both the primary & supplementary card(s) (if any). Cash advance/withdrawals are not included. In case minimum spend threshold is not met, EGP 150 annual fees will apply.
Supplementary Card annual fee Free
Monthly finance charge 2.95% (effective 1 July 2017)
Cash advance fee 2% (minimum EGP 20)
Card replacement fee EGP 100
FX mark-up 3% (Effective 16 January 2017)
PIN issuance and replacement fee Free
Late payment fee EGP 75
Over limit fee EGP 30
Card limit increase Free
Copy of transaction slip/Dispute investigation fees EGP 50
Copy of credit card statement EGP 5/ month
Statement Delivery EGP 5/ cycle
Domestic card delivery fee Free
International card delivery fee EGP 200 or equivalent in other foreign currencies
PIN delivery fee Free
Optional Credit Cover insurance fees on monthly outstanding balance 0.2% of monthly outstanding balance
Credit Bureau investigation fees EGP 35 (applies to new issuance, renewal and limit increase)
Cards Monthly Maintenance Fees (Non-Account Holders) EGP 7

Payment options

Free automatic settlement service: You can give us standing instructions to debit your HSBC Bank Egypt Current or Savings Account at a specified percentage from 5% to 100% of your monthly Credit Card outstanding balance.**

If you have a Current or Savings Account with HSBC Bank Egypt, you can pay your Credit Card bills by logging on to our Personal Internet Banking Service or by calling our Phone Banking Service on 19007 (within Egypt) or +202 3535 9100 (from outside Egypt).

You can deposit Cash in your Current, Saving, and Credit Card Accounts instantly through a number of HSBC ATMs in Egypt.***

Minimum annual income - EGP 36,000

  • Primary Credit Card applicant must be at least 21 years of age
  • Supplementary Credit Card applicant must be at least 16 years of age

Documents required for primary card applicant

  • Credit Card Application Form
  • Photocopy of valid National ID for Egyptians or valid passport with valid residency for non-Egyptians
  • Most recent utility bill: phone, electricity or gas bill (original)

Salaried Applicants

  • One salary credit on HBEG or other bank statements with narration "Salary" in addition to salary letter issued from the employer personnel department, financial controller or general manager (or their equivalents job titles) confirming above details, designation, department, salary and specifying fixed allowances and commission payments where appropriate and duration of contract for expatriates.

OR

  • Two salary credits on HBEG or other bank evidenced by bank statement without any additional documents (i.e. salary letter*)

Self Employed Applicant

  • Copy of commercial register
  • Last 6 months bank statement (original copy)

* Will only be required if the employer is different from the one mentioned in the ID

Documents required for supplementary card applicant

  • Photocopy of valid National ID for Egyptians or valid passport with valid residency for non-Egyptians

Note: Documents submitted with the card application are the Bank's property

*Fee waiver for renewal annual fees is subject to achieving a minimum spend of EGP 5000 per year by using your HSBC Credit Card

**Allow one working day for payment to get credited to your account.

***For instant cash deposit ATM locations, please click here.

General Terms and Conditions click here

Schedule of Charges click here


Arabic
HSBC Visa Gold Credit Card - HSBC Egypt

HSBC Visa Gold Credit Card

Benefits of the HSBC Visa Gold Credit Card

Benefits

  • Free for life*
  • Unique worldwide offers
  • Financial Flexibility
  • Total control and enhanced security
  • Free for life
    Enjoy your primary HSBC Gold Credit Card free for life provided the minimum annual spend is EGP 5,000. Supplementary cards are free for life irrespective of spend
  • 50% cash advance
    Get up to 50% of your available credit limit as cash advance
  • Competitive interest-free period
    Competitive interest rate of 2.95% per month and interest-free credit for up to 56 days on purchases when you choose to settle your monthly outstanding balance in full
  • Easy Payment options
    Paying your Card bill has never been easier with HSBC!
  • Worldwide acceptance
    The HSBC Gold Credit Card is accepted globally at over 32 million retail outlets. Access cash from over 24,000 HSBC ATMs and Visa member banks around the globe
  • Chip and PIN
    The HSBC Gold Credit Card is embedded with a microchip, and when used with a 6-digit PIN, it provides more protection against fraud than magnetic stripe cards
  • HSBC Entertainer Mobile App
    Free for HSBC credit card customers, the HSBC Entertainer Mobile App gives instant access to over 8000 ‘Buy 1 Get 1 Free’ offers across 15 countries
  • HSBC Credit Cover
    A comprehensive insurance cover which protects the cardholder's outstanding balance in the unfortunate event of permanent total disability, critical illness or loss of life
  • Supplementary cards
    Share the unbeatable advantages of your Credit Card with up to 4* of your relatives by issuing them free for life supplementary cards
  • Emergency assistance worldwide
    Lost and stolen card reporting service and emergency card replacement
  • PayWave technology
    Contactless 'payWave' technology allows the customer to save time on small value purchases by just waving the HSBC Card in front of a payWave reader for small value purchases. You may not be required to enter your PIN or sign for the transaction. This feature is currently available only at selected outlets.

*Up to 4 supplementary credit cards on all your credit cards’ types.

Privileges & Rewards

Free HSBC Entertainer Mobile App

Absolutely free for HSBC Credit Card customers, the HSBC Entertainer mobile app gives you the following benefits:

  • Instant access to over 8,000 'Buy 1 Get 1 Free' offers,
  • Offers across 15 countries: Bahrain, Cyprus, Egypt, England, Hong Kong, Jordan, Kuwait, Lebanon, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, South Africa and the United Arab Emirates
  • Offers for your whole family covering dining, entertainment, hotel accommodation and wellness
  • Helps you easily locate offers near you or in specific areas such as malls and hotels.

HSBC Entertainer app terms and conditions apply.

For more information about HSBC Entertainer click here

Visa Offers

You can have the best things in life with your Gold Credit Card, at home and abroad. There’s a diverse range of offers from VISA to choose from across travel, hotels, car hire, shopping, golf, dining and entertainment. So you can enjoy holidays in style, savour exquisite cuisine in fabulous restaurants or cafés and shop till you drop for your favourite brands. Visit www.visacemea.com/wv/Gold

HSBC Special Offers

Enjoy a variety of discounts tailored specially for HSBC Credit Cardholders at selected merchants when payment is made using HSBC Credit Card

home&Away

The home&Away privilege programme offers all HSBC credit cardholders an array of fabulous benefits around the world, with over 27,000 outlets in more than 160 countries and territories. Whether you are staying at home or travelling, do not miss out on these great offers.

For more information about home&Away click here

Protection

Experience extra levels of online security:

With Verified by Visa® you get an additional layer of online shopping security when you shop at participating retailers using your HSBC Credit Card.
Cards online security

Chip and PIN

The HSBC Visa Gold Credit Card is embedded with a microchip, and when used with a 6-digit PIN, it provides more protection against fraud than magnetic stripe cards

Chip & PIN FAQs

Free SMS alert Service:

Monitor your card usage closely and securely through the free SMS alert service from HSBC Bank Egypt. You will be automatically enrolled into the service and will instantly receive a message on your local mobile phone informing you of your card transactions in real time.

HSBC Credit Cover

Enjoy complete peace of mind with HSBC Credit Cover
As an HSBC Advance Credit Cardholder, you can now benefit from an optional comprehensive Credit Cover against your outstanding balance. In the event of Permanent Total Disability, Critical Illness or Loss of Life (God forbid) of the HSBC Gold Cardholder, 100% of the outstanding balance on the Card is settled up to a maximum of EGP 115,000.

Benefits are subject to a maximum aggregate amount of EGP 300,000 on all types of HSBC Cards held by the Cardholder.


To opt-out of this service, visit any HSBC Bank Egypt Branch or call us on 19007 (within Egypt) or +202 35359100 (from outside Egypt).


For more information about the credit cover, click here

Fees, Charges & Payment options

Primary Card Annual fee Primary card:
Free* for life provided spend is EGP 5,000/year or more.

The minimum spend threshold for Visa Gold cards is limited to purchase transactions only carried by both the primary & supplementary card(s) (if any). Cash advance/withdrawals are not included. In case minimum spend threshold is not met, EGP 150 annual fees will apply.
Supplementary Card annual fee Free
Monthly finance charge 2.95% (effective 1 July 2017)
Cash advance fee 2% (minimum EGP 20)
Card replacement fee EGP 100
FX mark-up 3% (Effective 16 January 2017)
PIN issuance and replacement fee Free
Late payment fee EGP 75
Over limit fee EGP 30
Card limit increase Free
Copy of transaction slip/Dispute investigation fees EGP 50
Copy of credit card statement EGP 5/ month
Statement Delivery EGP 5/ cycle
Domestic card delivery fee Free
International card delivery fee EGP 200 or equivalent in other foreign currencies
PIN delivery fee Free
Optional Credit Cover insurance fees on monthly outstanding balance 0.2% of monthly outstanding balance
Credit Bureau investigation fees EGP 35 (applies to new issuance, renewal and limit increase)
Cards Monthly Maintenance Fees (Non-Account Holders) EGP 7

Payment options

Free automatic settlement service: You can give us standing instructions to debit your HSBC Bank Egypt Current or Savings Account at a specified percentage from 5% to 100% of your monthly Credit Card outstanding balance.**

If you have a Current or Savings Account with HSBC Bank Egypt, you can pay your Credit Card bills by logging on to our Personal Internet Banking Service or by calling our Phone Banking Service on 19007 (within Egypt) or +202 3535 9100 (from outside Egypt).

You can deposit Cash in your Current, Saving, and Credit Card Accounts instantly through a number of HSBC ATMs in Egypt.***

Eligibility

Minimum annual income - EGP 36,000

  • Primary Credit Card applicant must be at least 21 years of age
  • Supplementary Credit Card applicant must be at least 16 years of age

Documents required for primary card applicant

  • Credit Card Application Form
  • Photocopy of valid National ID for Egyptians or valid passport with valid residency for non-Egyptians
  • Most recent utility bill: phone, electricity or gas bill (original)

Salaried Applicants

  • One salary credit on HBEG or other bank statements with narration "Salary" in addition to salary letter issued from the employer personnel department, financial controller or general manager (or their equivalents job titles) confirming above details, designation, department, salary and specifying fixed allowances and commission payments where appropriate and duration of contract for expatriates.

OR

  • Two salary credits on HBEG or other bank evidenced by bank statement without any additional documents (i.e. salary letter*)

Self Employed Applicant

  • Copy of commercial register
  • Last 6 months bank statement (original copy)

* Will only be required if the employer is different from the one mentioned in the ID

Documents required for supplementary card applicant

  • Photocopy of valid National ID for Egyptians or valid passport with valid residency for non-Egyptians

Note: Documents submitted with the card application are the Bank's property


*Fee waiver for renewal annual fees is subject to achieving a minimum spend of EGP 5000 per year by using your HSBC Credit Card

**Allow one working day for payment to get credited to your account.

***For instant cash deposit ATM locations, please click here.

General Terms and Conditions click here

Schedule of Charges click here

Ready to apply?

Apply online and our representative will call you back within 60 minutes* to proceed with your request. Enjoy priority processing for your application and faster card issuance when you apply online.
 

Have us call you



 

If you are a Primary HSBC Visa Gold Credit Cardholder, you may apply for up to 4 free Supplementary Credit Cards for any of your family members
 

Have us call you



 

Call us:
Every day from 9am to 11pm

19007
within Egypt

+202 3535 9100
outside Egypt

 

or

 

Visit the nearest HSBC branch

 

 

*Our team is available from Sunday to Thursday, 9.30am to 3.30pm.

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This link may allow you to access a non - HSBC website. HSBC Bank Egypt S.A.E has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.com.eg

This link may allow you to access a non - HSBC website. HSBC Bank Egypt S.A.E has no control over the linked website and is not liable for your use of it.