HSBC · Visa Signature · Cashback

HSBC Live+

Good for

Up to 5% cashback on dining, shopping and entertainment, capped at RM30 each a month.
0.5% cashback on foreign currency spend and 0.2% at home, no cap.
Visa Concierge, 24/7.

Cash back, as a share of what you spend.

Counts toward the minimum: every billed purchase, except the ones below. Petrol, Education, Utilities, Insurance, Touch 'n Go reloads, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet count but earn nothing.
Does not count: Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers.

Spending	Earns	Details
Dining	5%	When you spend RM5,000 or more a month. On the first RM625 a month.
Fashion and Department store	5%	When you spend RM5,000 or more a month. On the first RM625 a month.
Entertainment and Streaming and games	5%	When you spend RM5,000 or more a month. On the first RM625 a month.
Dining	2%	When you spend RM2,500 or more a month. On the first RM1,666.67 a month.
Fashion and Department store	2%	When you spend RM2,500 or more a month. On the first RM1,666.67 a month.
Entertainment and Streaming and games	2%	When you spend RM2,500 or more a month. On the first RM1,666.67 a month.
Dining	1%	When you spend RM1,000 or more a month. On the first RM3,750 a month.
Fashion and Department store	1%	When you spend RM1,000 or more a month. On the first RM3,750 a month.
Entertainment and Streaming and games	1%	When you spend RM1,000 or more a month. On the first RM3,750 a month.
Spending in a foreign currency	0.5%
Food delivery in ringgit	0.2%
Spending in ringgit	0.2%
Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and more	Nothing	Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Education, Utilities, Insurance, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

How it's paid: Credit to your card account, monthly HSBC credits the cash back to the main cardholder's card account within 6 weeks after each statement month ends. It shows on the next statement as "Base Cashback Credit" and "Bonus Cashback", rounded down to the sen.
Which month counts: Your statement month Spend, tiers and the RM30 caps count per statement month. A purchase that posts after the 7th of the next month counts in the month it posts, not the month you made it.
When you lose it: Refunds, or a cancelled or overdue card HSBC deducts the cash back on a purchase that is later refunded. Cancelled or invalid cards and delinquent (overdue) accounts are outside the programme; the T&C set no expiry.

Airport lounges: None
Overseas spending fee: 1% 1% HSBC conversion cost, plus any fee Visa or Mastercard adds.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM300 Free the first year. Waived if you spend RM24,000 in a year.
Extra (supplementary) cards: RM150 a year Plus RM25 service tax each year.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any instalments and unpaid past minimums.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: RM8.70 fee per withdrawal Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days. An unpaid cash advance also cancels the interest-free days on your other spending. HSBC also adds a handling charge at ATMs.
Replacement card: RM50

Income: RM102,000 a year or more
Age: 21 or older Extra cardholders from 18.
Documents: MyKad, both sides
Employees: the latest EPF statement, plus 3 months of payslips, a commission statement, 3 months of bank statements, or Form BE with the tax receipt
Self-employed: business registration or trading license, plus 6 months of bank statements, the latest EPF statement, or Form B with the tax receipt or CP02
Foreigners must work for a multinational, listed or government employer, or an HSBC corporate lending employer. They need a passport, a work permit valid at least 1 year, a letter from the employer and 3 months of payslips or bank statements.

Concierge: Visa Concierge 24/7, 365 days a year, for offers and privileges.
Pay by phone: Apple Pay, Google Pay, Samsung Pay Add it in Apple, Google or Samsung Wallet, then verify it in the HSBC Malaysia app. A supplementary card needs the main cardholder to call HSBC.
Card network: Visa Signature