Accounts
HSBC Premier MasterCard Credit Card
Benefits of the HSBC Premier MasterCard® Credit Card
Benefits
- Easy Payment options
Paying your Card bill has never been easier with HSBC! - No annual fee
Enjoy your HSBC Premier MasterCard® Credit Card without any annual membership fees for primary and supplementary cards - 50% cash advance
Get up to 50% of your available credit limit as cash advance - Competitive interest rates and interest-free period
Competitive interest rate of 2.59% per month and interest-free credit for up to 56 days on purchases when you choose to settle your monthly outstanding balance in full - Flexible payment options
Benefit from the option to pay a minimum of 5% of your monthly outstanding balance - Worldwide acceptance
The HSBC Premier Credit Card is accepted globally at over 32 million retail outlets. Access cash from over 24,000 HSBC ATMs, all MasterCard®/Cirrus ATMs, and MasterCard® member banks around the globe - Chip and PIN
The HSBC Premier 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 - Rewards points
The HSBC Premier Credit Card has a Rewards Program that offers you unique privileges. - HSBC Premier Privileges
Take advantage of special offers on travel, dining, shopping and entertainment around the world when you pay using your HSBC Premier Credit Card - HSBC Entertainer Mobile App
Free for HSBC Credit Cardholders, the HSBC Entertainer Mobile App gives instant access to over 8000 ‘Buy 1 Get 1 Free’ offers across 15 countries - Priceless Arabia
"Tell tales few can tell", discover a truly unique collection of dining, shopping, sports and exciting attraction experiences at www.pricelessarabia.com - 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 - Free worldwide travel insurance
Travel insurance from AIG Egypt Insurance Company - Egypt, provided via HSBC, offers protection against unexpected events while you are abroad - Airport lounge access
Get free access to a selection of Airport lounges across the world - Supplementary cards
Share the unbeatable advantages of your Credit Card with 4* of your relatives by issuing them free HSBC Premier supplementary cards - Triple access
The HSBC Premier Credit Card gives you access to your Card Account as well as your HSBC Current and Savings Accounts. - 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
Discover the vast possibilities awaiting you when travelling or simply staying at home with offers from HSBC Premier Privileges. It´s one of the ways we thank you for being an HSBC Premier credit card member.
Take advantage of special offers on travel, dining, health and beauty, shopping and entertainment around the world when you pay using your HSBC Premier Credit Card
For more information about Premier Privileges click here
Airport lounge access
The HSBC Premier Credit Card is your ultimate travel companion which grants you Free access to a selection of Airport lounges across the MENA region and the world
| Country | City | Airport | Lounge Name / Terminal | Free* Access Valid For | Discounts for accompanied minors |
|---|---|---|---|---|---|
| Egypt | Cairo | Cairo International Airport | First Class Lounge / Terminal 1 | Primary Cardholder / Supplementary Cardholder | Up to two children below 12 years of age to be allowed to enter for free |
| Exclusive Services Lounge / Terminal 3 | Primary Cardholder / Supplementary Cardholder | Up to two children below 12 years of age to be allowed to enter for free | |||
| Jordan | Amman | Queen Alia International Airport | Petra Lounge | Primary Cardholder / Supplementary Cardholder | Children above 2 years of age to be charged at $27 |
| Kuwait | Kuwait City | Kuwait International Airport | MasterCard Lounge | Primary Cardholder / Supplementary Cardholder | Up to two children between (2 -12) years of age to be charged at 50% discount to the prevailing rate |
| Saudi Arabia | Jeddah | King Abdulaziz International Airport | First Class Lounge / North Terminal "Foreign Airline" | Primary Cardholder / Supplementary Cardholder | No discount available for children between (2 -12) years of age |
| UAE | Dubai | Dubai International Airport | Marhaba Lounge / Terminals 1, 2 & 3 | Primary Cardholder / Supplementary Cardholder | Up to two children between (2 -12) years of age to be charged at AED 60 per child |
| Al Maktoum International Airport | Marhaba Lounge | Primary Cardholder / Supplementary Cardholder | Up to two children between (2 -12) years of age to be charged at AED 60 per child | ||
| Abu Dhabi | Abu Dhabi International Airport | MasterCard Diamond Lounge / VIP Terminal | Primary Cardholder / Supplementary Cardholder | Children between (2 -12) years of age to be charged at 30% discount to the prevailing rate |
* Policy excludes Guests - fees will be charged as per respective country's lounge management offices
My Rewards Points programme
Enjoy Rewards Points you can actually use. Each time you spend on your card, you will earn Rewards Points that can be redeemed for a wide array of gifts such as shopping vouchers, dining vouchers, entertainment, electronics and much more!
HSBC Premier Credit Cardholders can also redeem Points for airline tickets of their choice.
As an HSBC Premier Credit Cardholder, you are automatically enrolled into this loyalty program. Every time you use your HSBC Premier Credit Card, you will get 0.4 Reward Point for every EGP 1 you spend on purchases* both in Egypt and abroad.
*Excluding Cash Advances, Credit Card payments, Finance Charges and Fees of any kind.
For more information about My Rewards Points click here
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, Malaysia, Lebanon, 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
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
Priceless Arabia
"Tell tales few can tell", discover a truly unique collection of dining, shopping, sports and exciting attraction experiences at www.pricelessarabia.com
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 MasterCard® SecureCodeTM 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 Premier 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
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 Premier Credit Cardholder, you can 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 Primary Cardholder, 100% of the outstanding balance on the Card is settled up to a maximum of EGP 150,000.
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 0800 PREMIER (within Egypt) or +202 3535 9800 (from outside Egypt).
For more information about the credit cover, click here
Free worldwide travel insurance*
Use your HSBC Premier Credit Card to buy a travel ticket from any airline and enjoy ultimate safety and complete freedom outside your country of residence with Worldwide Travel insurance services. Coverage applies to all primary and supplementary Premier credit cardholders, provided that 100 per cent of the outgoing travel ticket value has been covered using a Premier card.
You can also benefit from the Worldwide Travel Assistance service offered by Travel Guard-AIG to facilitate ease of claims through:
- 24-hour Medical & Emergency Assistance
- 24-hour Travel Information
HSBC Premier Travel insurance benefits include: Personal accident benefits, Emergency medical expenses – accident and sickness including dental care, Emergency medical evacuation, Baggage delay/loss and much more.
*Travel insurance coverage is valid for a maximum of 30 days from the departure date.
Terms & Conditions Apply
| 1 month to 17 years old inclusive: | 18 to 65 years old inclusive: | ||
| Benefits | Accidental Death | EGP 225,000 | EGP 1,125,000 |
| Permanent Total Disability due to Accident | EGP 225,000 | EGP 1,125,000 | |
| Death or Permanent Total Disability due to Accident in a Common Carrier or Private Car | EGP 450,000 | EGP 2,250,000 | |
| Death or Permanent Total Disability due to Accident in a Common Air Carrier | EGP 675,000 | EGP 3,375,000 | |
| Loss of two eyes, two limbs or one eye and one limb | EGP 225,000 | EGP 1,125,000 | |
| Loss of one eye or one limb | EGP 112,500 | EGP 562,500 | |
| Flight Delay In Excess | N/A | EGP 1,350 per person EGP 2,700 per family 10 Hours |
|
| Baggage Loss (50% Sub Limit per Bag) | N/A | EGP 4,500 per person EGP 9,000 per family |
|
| Baggage Delay In Excess | N/A | EGP 1,350 per person EGP 2,700 per family 10 Hours |
|
| Emergency Medical Expenses (Accident & Sickness) Deductible | EGP 2,250,000 EGP 225 |
EGP 2,250,000 EGP 225 |
|
| Follow-up Expenses | Included in Emergency Medical Expenses | Included in Emergency Medical Expenses | |
| Compassionate Visit | Included in Emergency Medical Expenses up to a Maximum of EGP 67,500 | Included in Emergency Medical Expenses up to a Maximum of EGP 67,500 | |
| Death Repatriation | EGP 112,500 | EGP 112,500 | |
| Emergency Medical Evacuation and Repatriation Deductible | EGP 2,250,000 EGP 450 |
EGP 2,250,000 EGP 450 |
|
| Hospital Cash Benefit In Excess | EGP 900 per day up to a Maximum of EGP 10,800 1 Day | EGP 900 per day up to a Maximum of EGP 10,800 1 Day | |
We would like to draw your attention to the following Travel Guard phone numbers. These numbers will help you secure assistance in the event of any loss, accident or sickness while traveling.
| Zone | Assistance numbers |
| USA | +1 877 897 1934 |
| Rest of the world | +1 817 826 7234 |
Once a claim has been initiated by any HSBC Premier Credit Card cardholder, it will be assigned to a dedicated claims analyst by the Insurance company to ensure that it is handled properly.
All Indemnities are subject to incurred expenses.
The policy also covers the insurance requirements for obtaining a Schengen Visa.
- Travel Insurance Summary of Benefits
- Travel Insurance Policy Wording
- Claim Form
- Claim Procedures
- FAQs
The free worldwide travel insurance is underwritten by AIG Egypt Insurance Company. HSBC is not a party of the insurance relationship and the insured person will not hold HSBC responsible whether for compensation, processing of claims or otherwise.
This policy is subject to the terms and conditions of AIG Egypt Insurance Company and under its responsibility.
*The credit cover is governed by the insurance company terms and conditions and without any liability on HSBC Bank Egypt.
*HSBC Terms and conditions shall apply.
The benefits and features set out above are current as at the date they appear on our website. However, they may be subject to change at any time at our discretion. We will try to notify existing customers of any changes that may impact them either in advance of the change or shortly afterwards.
Fees, Charges & Payment options
| Primary card annual fee | Free |
| Supplementary card annual fee | Free |
| Monthly finance charge | 2.59% (effective 1 July 2017) |
| Cash advance fee | 2% (minimum EGP 20) |
| Card replacement fee | Free |
| FX mark-up | 3% (Effective 16 January 2017) |
| PIN issuance and replacement fee | Free |
| Late payment fee | EGP 75 |
| Over limit fee | Free |
| Card limit increase | Free |
| Copy of transaction slip /Dispute investigation fees | EGP 50 |
| Copy of credit card statement | Free |
| Statement Delivery | Free |
| 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
| Options | How to pay? | Time taken for payment to get credited to your Card Account |
| Free Autopay Service | You may give us standing instructions to debit your HSBC Current or Savings account at a specified percentage from 5% to 100% of your monthly HSBC Premier Credit Card outstanding balance. | 1 working day |
| Online Banking | Log on to online banking to transfer money to your Card Account. | 1 working day |
| ATMs | You can deposit Cash in your Current, Saving, and Credit Card Accounts instantly through a number of HSBC ATMs in Egypt.* | 1 working day |
| Phone Banking | Call our Phone Banking Service on 0800 PREMIER from inside Egypt or (202) 3535 9800 from outside Egypt to transfer money to your HSBC Premier Credit Card Account. | 1 working day |
| Mailing your payment (Please DO NOT SEND CASH) |
Please write your HSBC Premier Credit Card number on the reverse side of the cheque** / draft and attach the bottom perforated portion of the Card statement to ensure prompt credit into your Card Account. | Allow sufficient time for payment to get credited to your account. |
*For instant cash deposit ATM locations, please click here.
**The Bank may charge you a fee in the event that your Cheque is dishonoured.
Eligibility
The HSBC Premier Credit Card is offered free to HSBC Premier account customers.
To open a new HSBC Premier account or upgrade to an HSBC Premier account, applicants must meet the following requirements:
a) Maintain a minimum monthly average balance of EGP 500,000 ( or equivalent in other foreign currencies) in deposit and/or investments
or
b) Transfer a monthly gross salary of EGP40,000 (or equivalent in other major foreign currencies) or above for the first 12 months after which point (a) applies
Primary Credit Card applicant must be at least 21 years of age.
Supplementary Credit Card applicant must be at least 16 years of age.
Required documents
You need to complete the Account opening process by personally visiting any of our Branches, with the following documents*:
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)
DOCUMENTS REQUIRED FOR SUPPLEMENTARY CARD APPLICANT
- Photocopy of valid National ID for Egyptians or valid passport with valid residency for non-Egyptians
*Documents submitted with the Card application are the Bank’s property.
Salaried Applicants
One salary credit on HSBC Bank Egypt 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 HSBC Bank Egypt or other bank evidenced by bank statement without any additional documents (i.e. salary letter*)
Self Employed Applicant
Copy of commercial registration certificate or trade license letter or equivalent
Last 6 months bank statement (original)
* Will only be required if the employer is different from the one mentioned in the ID
DOCUMENTS REQUIRED FOR SUPPLEMENTARY CARD APPLICANTLICANT
Photocopy of valid National ID for Egyptians or valid passport with valid residency for non-Egyptians
IMPORTANT NOTES
Documents submitted with the card application are the Bank's property
*EGP 500,000 has to be maintained in deposits and/or investments within 12 months to avoid charges and discontinued service.
**For Joint Accounts, all joint account holders need to complete the Account opening process by personally visiting any of our Branches with the required documents.
For more information about the HSBC Premier 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.
Existing HSBC Premier Customer
If you are a Primary HSBC Premier MasterCard® Credit Cardholder, you may apply for up to 4 free Supplementary Credit Cards for any of your family members
Non-Existing HSBC Premier Customer
Call us: 24×7
0800 PREMIER
within Egypt
+202 3535 9800
outside Egypt
or
*Our team is available from Sunday to Thursday, 9.30am to 3.30pm.
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