HSBC Bank

HSBC Malaysia is one of the highest charges on Conversion For Overseas Transactions (Determined by MasterCard International + 1.25% of administration cost). Compare to other banks in Malaysia, they charge only 1% administration fee while HSBC Malaysia charge 1.25% administration fee, a 0.25% higher.

If you always use your card oversea or in transaction other than Ringgit Malaysia, please be aware of it, you’re probably losing some amount of money.

Let’s us get into details of what kind of Master credit cards HSBC Malaysia offer to you.

HSBC Malaysia doesn’t offer Platinum level of Master credit card.

HSBC Bank Master Classic

Benefit

• HSBC SmartPrivileges
• RM1 = 1 Reward Point (Valid for 3 years)

Annual Income – RM 18,000
Annual Fee – Principle RM 80 (1st year Annual Fee Waived), Supplementary RM 40

HSBC Bank Master Gold

Benefit

• HSBC SmartPrivileges
• RM1 = 1 Reward Point (Valid for 3 years)

Annual Income – RM 40,000
Annual Fee – Principle RM 160 (1st year Annual Fee Waived), Supplementary RM 80

Eligibility – Principle 21 years old, Supplementary 18 years old

Joining Fee	Waived
Cash Advance Fee	Minimum RM 15 or 5%
Minimum Monthly Repayment	Minimum RM 50 or 5%
Over-limit Fee	RM 25
Late Payment Charge	Minimum RM 5 or 1%, capped on RM 50
Interest Free Period	20 days
Card Replacement Fee	RM 50
Conversion For Overseas Transactions	Determined by MasterCard International + 1.25% of administration cost.
Sales Draft Request	RM 20/copy
Statement Request	Unknown

For more information, please visit http://www.hsbc.com.my/

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