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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