HSBC JCB Gold Card

Welcome 

JCB Gold Card Cardholder

Congratulations Benefits Financial services 

Important information 

for customers 

Congratulations on becoming one of our 

valued cardholders 

Soon you will discover the exclusive privileges brought to you 

by HSBC’s JCB Gold Card*. You’ll have the freedom to enjoy life 

the way you choose, and be rewarded with many wonderful 

benefits. 

These include a warm welcome from over 5 million merchants in 

Japan and over 13 million merchants worldwide and an interestfree 

repayment period of up to eight weeks. And, you will earn 

RewardCash to enjoy a variety of reward options to suit your 

needs. 

For more information about your card, please call our HSBC 

Customer Service Hotline on (852) 2233 3000 † . 

* Issued by The Hongkong and Shanghai Banking Corpoartion Limited 

Useful contact 

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† If you are also an HSBC Premier customer or HSBC Advance customer, you can manage 

all your HSBC accounts and enquiries with the respective HSBC Premier Hotline 

(852) 2233 3322 or HSBC Advance Hotline (852) 2748 8333.


Benefits 

RewardCash programme 

Every time you spend on your credit card, you can earn RewardCash and redeem your favourite items and merchant 

vouchers at the RewardCash e-shop, or offset your spending at close to 1,000 participating merchants’ outlets to enjoy 

instant savings. You can also enjoy extra 5X RewardCash through the Red Hot Rewards of Your Choice programme which 

lets you allocate your spending to 5 preferred categories. Please visit or call (852) 8228 3308 

for details and registration. 

Exclusive JCB Plaza and JCB Desk 

To give you more convenience, exclusive JCB Plazas and JCB Desks in Japan and worldwide provide a comprehensive 

travel service. They offer hotel and restaurant reservations, local travel information, etc. Please visit 

for details. 

Private label cards † 

You are eligible to apply for Private Label Cards for free, so you can enjoy additional privileges including year-round 

discounts and exclusive birthday offers. 

* Not applicable to credit card online bill payment transaction(s) (except charity donation). 

† Term and conditions apply for all offers of private label cards. 


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Financial services 

Online bill payment service* 

Enjoy the convenience of settling over 100 different types of bill including public utility bills with your HSBC JCB Gold Card 

at HSBC Internet Banking and a 56-day interest free repayment period. 

Octopus Automatic Add-Value Service 

Simply reload your Octopus Card by automatic transfer of HK$250 or HK$500 from your credit card, and enjoy 

RewardCash. Please download application form from . 

eStatement and eAdvice Service 

Designate your own email address and receive your statements and advice notices in an efficient, secure and 

environmental friendly way. Please set up your service via HSBC Internet Banking. 

Phonebanking service 

You can simply call one hotline to manage your credit card and other HSBC accounts conveniently. Please register for 

phonebanking service through ATM or HSBC Customer Service Hotline on (852) 2233 3000. For HSBC Premier customer 

and HSBC Advance customer, please call the respective HSBC Premier Hotline (852) 2233 3322 and HSBC Advance Hotline 

(852) 2748 8333. 

* Not applicable on cards issued in Macau. 


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Important information for customers 


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Credit Card Cardholder Agreement 

Important! Before you use your Visa Platinum/Visa Gold/Gold MasterCard/JCB Gold Card/ 

Visa/MasterCard or other specified card issued by The Hongkong and Shanghai Banking 

Corporation Limited, please read carefully the Cardholder Agreement printed below. By using 

the Card you are accepting the Terms and Conditions set out below and will be bound by 

them. 

The Visa Platinum/Visa Gold/Gold MasterCard/JCB Gold Card/Visa/MasterCard (or such 

other card as may be specified by the Bank from time to time, ‘the Card’) is issued by The 

Hongkong and Shanghai Banking Corporation Limited (‘the Bank’) on the following terms 

and conditions: 

1 The Card is the property of the Bank and will be returned to the Bank immediately by the 

Cardholder upon the Bank’s request. 

2 The person to whom the Card is issued (‘the Cardholder’) will sign the Card immediately 

upon receipt and will not permit any other person to use it and will at all times safeguard 

the Card and keep it under the Cardholder’s personal control. 

3 Each credit card is assigned a credit limit that applies to both purchase and cash advance 

transactions. For your own credit limit, please refer to your card statement. The Bank may 

at its discretion allow for any Card Transactions exceeding the credit limit, and reduce the 

credit limit according to the result of its credit risk assessment of you or the card account, 

without prior notice to you. 

4 The Cardholder will be responsible for all credit card facilities granted by the Bank in 

respect of the Card and for all Card Transactions effected by the Cardholder (whether 

voluntarily or otherwise) as well as all related charges hereunder, notwithstanding the 

termination of this Agreement. 

5 The Bank will assign a credit limit to the Card Account which must be strictly observed by 

the Cardholder. The Cardholder may apply for a review of his/her assigned credit limit at 

any time. 

The Bank may at its sole discretion (but shall not be obliged to): 

(a) increase the credit limit from time to time with prior notice to the Cardholder; 

(b) as a result of a reasonable assessment of the credit risks associated with the Card 


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Account or the Cardholder based on information available to the Bank, reduce the 

credit limit to such amount as it thinks fit without prior notice to the Cardholder; 

(c) permit Card Transactions to be effected in excess of the credit limit without 

prior notice to the Cardholder and the Cardholder shall be liable for any related 

transaction in accordance with the terms of this Agreement. 

6 (a) A statement will normally be provided to the Cardholder monthly on the 

Statement Date (‘the Statement Date’) with details of the total amount outstanding 

on the Card Account (‘the Statement Balance’), the minimum sum to be paid by 

the Cardholder in respect of the Statement Balance as determined by the Bank (‘the 

Minimum Payment Due’), such part of the Minimum Payment Due that is payable 

immediately and the date by which the remaining payment must be made to the 

Bank (‘the Payment Due Date’). Payment of any part of the Statement Balance 

effected by cheque or other means will be accepted on and subject to the Bank’s 

normal terms and conditions. 

(b) If payment of the whole of the Statement Balance is received by the Bank on or 

before the Payment Due Date, no finance charge will be payable in respect of the 

same. 

(c) If the Cardholder fails to pay the Bank the whole of the Statement Balance by the 

Payment Due Date, a finance charge will be applied (a) to the unpaid Statement 

Balance from the Statement Date immediately preceding the said Payment Due 

Date until payment in full and (b) to the amount of each new transaction being 

posted since the Statement Date immediately preceding the said Payment Due 

Date, from the transaction date until payment in full. The finance charge will accrue 

daily and be calculated at the interest rate per month as specified in the Bank’s 

“Bank tariff guide for HSBC Retail Banking and Wealth Management Customers” 

for the time being in force. 

(d) If the Cardholder fails to pay the whole of the Minimum Payment Due by the 

Payment Due Date, a further late charge will be debited to the Card Account on the 

next following Statement Date. 

(e) Without prejudice to Clause 5, if the Statement Balance exceeds the credit limit 

for the time being assigned to the Card Account, the Bank reserves the right to 

charge an overlimit handling fee which will be debited to the Card Account on the 

Statement Date.


(f) A handling fee will be charged to the Card Account for each returned cheque 

deposited in, or rejected autoPay to, the Card Account where the cheque or 

autoPay is not drawn on an account with the Bank. 

7 Cash advances shall include all cash withdrawals made from the Card Account including, 

without limitation, cash withdrawals from any funds earlier transferred or otherwise 

credited to the Card Account. Cash advances will be subject to a handling charge plus a 

cash advance fee. All charges are flat and shall be debited to the Card Account as at the 

date of the advance. No other charges are payable in respect of the cash advance if it is 

repaid by the Payment Due Date of the Statement on which it is first posted. The Bank 

may by notice to the Cardholder modify the fee and/or handling charges from time to 

time. 

8 All fund transfers into or credits made to the Card Account will immediately be applied 

by the Bank to reduce the then existing outstanding balance in the Card Account which, if 

exceed the said outstanding balance, will be applied to fund future Card Transactions as 

and when they are debited to the Card Account. 

9 The Cardholder agrees to pay the Bank’s initial and/or periodical fee for the Card. Fees will 

be debited to the Card Account when due and are not refundable. 

10 (a) To enable the Bank to consider whether to provide the Cardholder with any services, 

the Cardholder is required to supply the Bank from time to time the Cardholder’s 

personal information (‘Personal Data’) (in such manner as may be prescribed or 

accepted by the bank from time to time). His/her failure to do so may result in the 

Bank’s inability to provide such services. 

(b) The Personal Data will be used for considering the Cardholder’s request and subject 

to the Bank agreeing to provide such service, the Personal Data and details and all 

information relating to any transactions or dealings with the Bank will be used in 

connection with the provision of such service to the Cardholder. 

The Cardholder agrees that the Bank may use, store, transfer (whether within or 

outside the Hong Kong Special Administrative Region), disclose to or obtain from 

other financial institutions, charge or credit card issuing companies, credit information 

or reference bureaux, agencies or organisations which provide information exchange 

services to financial institutions, credit card issuing companies, collection agencies, 

computer and printing firms, service providers or any other person as the Bank 

considers necessary, including any member of the HSBC Group, information for any 


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purpose in connection with services the Bank may provide to the Cardholder, 

and/or in connection with matching for whatever purpose (whether or not with 

a view to taking any adverse action against the Cardholder) with other personal 

data concerning the Cardholder, and/or for the purpose of promoting, improving 

and furthering the provision of services by the Bank/other HSBC Group members 

to customers generally, and/or any other purposes and to such persons as may 

be in accordance with the Bank’s general policy on disclosure of personal data 

as set out in Statements, Circulars, Notices or other Terms and Conditions made 

available by the Bank to the Cardholder from time to time. 

Where the service provider is situated outside Hong Kong in an area where 

there are less stringent data protection laws, the Bank will impose on the service 

provider confidentiality undertakings substantially similar to the requirements 

of the data protection laws in Hong Kong. In any event, the Bank will remain 

responsible for ensuring the confidentiality of such Personal Data, details and 

information. 

(c) The Cardholder has the right to request access to and correction of any of the 

Personal Data. Any request may be made in writing and addressed to the Data 

Protection Officer, The Hongkong and Shanghai Banking Corporation Limited, 

Kowloon Central Post Office PO Box 72677 (E-mail: ). 

The Bank will comply with such requests unless the Bank may or is required to 

refuse to do so under the applicable law and regulations. 

11 If the Bank has reasonably incurred any legal or collection fees or other expenses 

which are of reasonable amount for the purpose of demanding, collecting or suing, 

to recover any sum payable hereunder from the Cardholder, or for other remedies 

resulting from the breach or non-compliance of any terms of this Agreement, the 

Cardholder will fully reimburse the Bank for all such legal fees, and any other fees 

and expenses incurred in that connection. Pending such repayment, the Bank will be 

entitled to continue to charge finance charges at its prevailing rate(s). 

12 Payments and credits to the Account may be applied in the following order: firstly, 

any legal and collection fees, finance charges, cash advance fees, late charges, 

service, return cheque/reject autoPay and card replacement fees; and lastly, the 

outstanding principal amount of the Transactions; or in any other order as the Bank 

considers appropriate without prior reference to the Cardholder.


13 All Card Transactions effected in currencies other than Hong Kong dollars will be debited 

to the Card Account after conversion into Hong Kong dollars at a rate of exchange 

determined by reference to the exchange rate adopted by Visa/MasterCard/JCB 

International on the date of conversion, plus an additional percentage levied by the Bank 

and any transaction fee(s) charged by Visa/MasterCard/JCB International to the Bank, if 

applicable, which fees may be shared with the Bank. 

14 If the Cardholder is required by any applicable laws or regulations to make any deduction 

or withholding from any sum payable by the Cardholder to the Bank hereunder, then the 

liability in respect of that deduction or withholding shall be the liability of the Cardholder 

such that after the making of such deduction or withholding the net payment shall be 

equal to the amount which the Bank would have received had no such deduction or 

withholding been made. It shall be the sole responsibility of the Cardholder to effect 

payment of such deduction or withholding to the relevant authority within the applicable 

time limit and the Cardholder shall indemnify the Bank for all consequences of the 

Cardholder’s failure to do so. 

15 The Bank accepts no responsibility for the refusal of any merchant establishment 

to honour the Card. Nor will the Bank be responsible in any way for any goods or 

services supplied to the Cardholder. No claim by the Cardholder against the merchant 

establishment will relieve the Cardholder from any obligation to the Bank hereunder. 

In particular, the setting up, modification or termination of direct debit authorisation 

instructions for any regular payment to be charged to the Card Account is strictly between 

the Cardholder and the respective merchant establishment(s). The Bank reserves the 

right not to set up, modify or terminate any such arrangement in the event of any dispute 

between the Cardholder and the merchant establishment. 

16 The Cardholder should notify the Bank’s Card Centre of any transaction in any statement 

that was not authorised by the Cardholder within 60 days of the date of the statement. 

If the Cardholder fails to report within the said period, the transaction(s) shown on the 

statement will be considered correct. 

Where the Cardholder reports an unauthorised transaction before the relevant settlement 

date, the Cardholder shall be entitled to withhold payment of the disputed amount. The 

Bank shall not impose any interest or finance charges on such disputed amount while it is 

under investigation by the Bank, or make an adverse credit report against the Cardholder. 

If, following a good faith investigation by the Bank, the investigation results (which 

shall be binding on the Cardholder) show that the report made by the Cardholder was 


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unfounded, the Bank reserves the right to re-impose the interest or finance charges 

on the disputed amount over the whole period, including the investigation period. 

17 The retrieval fee for the photocopy of sales drafts will be debited to the Card 

Account. 

18 The Cards are the property of the Bank and are not transferable. The loss or theft 

of any Card, or the loss, theft or disclosure to a third party of any number used in 

relation to any cash advance or ATM function or facility incorporated in a Card, 

should be reported immediately upon discovery of loss, theft or disclosure (to 

the Bank’s Card Centre in the Hong Kong Special Administrative Region (SAR) 

telephone: 2233 3000 or, if overseas, to any member of Visa, MasterCard or JCB 

International). The Cardholder shall be liable for all cash advances effected as a 

result of the unauthorised use of any such number and for all other transactions 

debited to the Card Account as a result of the unauthorised use of a Card (‘Non-cash 

Transactions’) until notification of its loss, theft or disclosure has been received by 

the Bank or by a member of Visa, MasterCard or JCB International provided that, 

except in the circumstances described below, the Cardholder’s maximum liability 

for Non-cash Transactions shall be HK$500. The Cardholder shall be fully liable for 

all Non-cash Transactions, without limit, if the Cardholder has acted fraudulently 

or with gross negligence in using or safeguarding the Card or has knowingly 

(whether voluntarily or otherwise) provided the Card to or let the Card be taken by 

a third party or has failed to make a report in accordance with this Clause as soon 

as reasonably practicable upon discovery of loss or theft. Failure to follow any 

measures to safeguard the Card (and such number) or with regard to the usage 

thereof as recommended by the Bank in any communication to the Cardholder from 

time to time may be treated as gross negligence for the above purpose. 

19 The Bank will be under no obligation to issue a replacement Card to the Cardholder 

following its loss or theft. Any replacement Card will be subject to a handling fee. 

20 In addition to any general right of set-off or other rights conferred by law or under 

any other agreement, the Bank may, without notice, combine or consolidate the 

outstanding balance on the Card Account (including, in the case of a Primary 

Cardholder, on any Additional Card Account) with any other account(s) which the 

Cardholder maintains with the Bank and set-off or transfer any money standing to 

the credit of such other account(s) in or towards satisfaction of the Cardholder’s 

liability to the Bank under this Agreement.


21 (a) The Cardholder may terminate this Agreement at any time by written notice to the 

Bank accompanied by the return of the Card, any Additional Cards and linked Private 

Label Cards. Where this Agreement relates to the use of an Additional Card, the 

Cardholder or the Additional Cardholder may terminate this Agreement (insofar as it 

relates to the use of the Additional Card) by written notice to the Bank accompanied by 

the return of the Additional Card. Returned Cards should be cut in two. 

(b) The Bank may terminate this Agreement at any time by cancelling the Card with or 

without prior notice and with or without cause. 

22 Unless the Bank otherwise specifies, the whole of the outstanding balance on the Card 

Account together with the amount of any outstanding Card Transactions effected but not 

yet charged to the Card Account will become immediately due and payable in full to the 

Bank on termination of this Agreement or on the Cardholder’s bankruptcy or death. The 

Bank may employ third parties to collect any outstandings. The Cardholder or his estate 

will be responsible for settling any outstandings on the Card Account (including without 

limitation any regular payments, whenever charged or debited to the Card Account, 

under arrangements which are authorised or set up prior to the date of termination of this 

Agreement or the Cardholder’s bankruptcy or death) and shall keep the Bank indemnified 

for all reasonable amounts of costs (including legal fees) and expenses reasonably 

incurred in recovering such outstandings. Pending such repayment, the Bank will be 

entitled to continue to charge financing charges at its prevailing rate(s). 

23 The Cardholder will notify the Bank’s Card Centre promptly (in such manner as may be 

prescribed or accepted by the bank from time to time) of any changes in employment or 

his/her contact details (including without limitation address, telephone number, email 

address and fax number). 

24 Without prejudice to the other provisions of this Agreement, if the Cardholder should be 

absent from the Hong Kong SAR for more than one month, arrangements to settle the 

Card Account should be made prior to his/her departure. 

25 Should the Bank issue an Additional Card at the joint request of the Cardholder and 

Additional Cardholder, the Additional Cardholder will be bound by the Terms and 

Conditions of this Agreement and shall be liable for the use of the Additional Card, 

notwithstanding that the Primary Cardholder shall remain liable for the use of both his/ 

her Card and the Additional Card and that the Bank shall have complete discretion in 

recovering charges incurred by the Additional Card from either the Primary Cardholder 

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cancellation of an Additional Card, the Cardholder may be liable for any payments 

arising from the use of the Additional Card until it has been returned or until the Bank 

is able to implement the procedures which apply to lost cards if the Cardholder so 

requests. The Additional Cardholder shall not be liable for the use of the Card by the 

Primary Cardholder or the use of any other Additional Card by any other Additional 

Cardholder. 

26 Where an ATM facility has been incorporated in the Card so that it may be used 

to effect banking transactions by electronic means, whether at Automated Teller 

Machines (‘ATMs’), Point-Of-Sale terminals or otherwise, the use of such facility will 

be subject to the Bank’s ATM card Terms and Conditions in the ATM card Application 

Form available at all branches (for which purpose the Card Account will be ‘the 

Cardholder’s account’) in addition to these Terms and Conditions. 

27 A Cardholder’s and an Additional Cardholder’s respective use of the ‘Phonebanking 

Service’ will at all times be governed by the terms and conditions that apply to the 

Bank’s Phonebanking Service which are currently set out in Section 5 of the General 

Terms and Conditions (for Personal Sole Account, Joint Account and Business 

Account Holders) issued by the Bank. 

28 In the course of providing Credit Card services, the Bank may need to record 

verbal instructions received from the Cardholder and/or any verbal communication 

between the Cardholder and the Bank in relation to such services. 

29 The Bank reserves the right to destroy any documents relating to the Card Account 

after microfilming the same. 

30 The Bank may from time to time introduce new products/services to be made 

available to Cardholders including but not limited to the Mileage Programme 

and RewardCash Programme which shall be governed by specific terms of such 

products/services and, in case of any conflict between these specific terms and the 

terms herein, the former shall prevail. 

31 Any Credit Card instalment plan for the purchase of goods or services from 

merchants will be subject to the terms and conditions for the credit card interest-free 

instalment plan (‘Instalment Plan’) applicable to the relevant credit card (if any). The 

terms and conditions for the Instalment Plan is available at the HSBC website 

, all branches upon request and in the welcome 

pack (for new cards). In case of any conflict between such terms and the terms 

herein, the former shall prevail.


32 Any notice given by the Bank hereunder will be deemed to have been received by the 

Cardholder after 

(a) personal delivery of such notice to the cardholder if it is personally delivered; or 

(b) the Bank has posted such notice by post if the notice is sent by post; or 

(c) the Bank has emailed such notice if it is sent by email; or 

(d) the Bank has placed such notice in the Personal Internet Banking Profile of the 

cardholder if it is made available therein. 

33 The current fees, charges and interest rates referred to herein are set in the Bank’s “Bank 

tariff guide for HSBC Retail Banking and Wealth Management Customers” available at all 

branches upon request. If particular services not specified herein are required, other fees 

and charges as set out in the Bank’s “Bank tariff guide for HSBC Retail Banking and Wealth 

Management Customers” may apply. The Bank reserves the right to alter these Terms and 

Conditions as well as such amounts, interest rates, percentages or other fees and charges 

from time to time and may notify the Cardholder of any such alterations in any manner it 

thinks fit. The Cardholder will be bound by such alterations unless the Card is returned to 

the Bank for cancellation before the date upon which any alteration is to have effect. 

34 The Card shall not be used for payment of any gambling or other transaction which is 

illegal under any applicable laws and the Bank reserves the right to decline processing 

or paying any Card Transaction which it suspects to be a gambling or other transaction 

which is illegal. In the event that the Bank suspects, believes or otherwise has knowledge 

that any Card Transaction effected is for the purpose of or is otherwise related to gambling 

or a transaction which is illegal under any applicable or relevant laws, the Bank reserves 

the right to reverse or cancel that Card Transaction. 

35 The Bank shall not be liable for any delay, failure or computer processing error in 

providing any of the Bank’s equipment or other facilities or services to the Cardholder 

to the extent that it is attributable to any cause beyond the Bank’s reasonable control 

including any equipment malfunction or failure and under no circumstances shall the 

Bank be responsible to the Cardholder or any third party for any indirect or consequential 

losses arising out of or in connection with such delay, failure or computer processing 

error. In particular, but without prejudice to the generality of the foregoing, the Bank shall 

incur no liability as a result of any act or omission of any third party (which is not acting 

as an agent of the Bank) through which any facilities or services to the Cardholder may be 

made available provided that the Bank shall have exercised reasonable care and skill 

in connection with its dealings with such third party. 

36 This Agreement will be governed by and construed in accordance with the laws of 

the Hong Kong SAR. 

Effective from 1 March 2012 


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NOTE: In case of discrepancies between the English and Chinese versions, the 

English version shall apply and prevail.


Information on your Credit Card 

The following information on the use of a credit card from HSBC is for your reference. For a 

comprehensive set of legally binding terms and conditions, please refer to the Cardholder 

Agreement. 

1 For your own protection, please take good care of your credit card from HSBC 

(the Bank) and note the security of your personal identification number (PIN): 

a) Sign your card as soon as you receive it. 

b) Keep a note of your card number in a safe place, separate from the card. 

c) Keep your card in a secure place and treat it as if it were cash. 

d) Remember to take your card from the Automated Teller Machine (ATM) after use. 

e) Always complete the ‘total’ box on the sales slip, with a currency sign before the 

numbers, and don’t leave space for extra figures. 

f) Watch and ensure that only one sales slip is imprinted for each transaction. 

g) Make sure your card is returned to you promptly after use. 

h) Keep the customer copy of your sales slips and check them against your monthly 

statements. 

i) Destroy your personal identification number (PIN) advice after memorising it. 

j) Do not write down or record your PIN. If you wish to keep a written record of your PIN, 

disguise it and never keep it on or close to your card. 

k) Do not let anyone else use your card and PIN. 

l) Do not choose obvious numbers for your PIN, such as your ID card number, date of 

birth, personal telephone numbers or other easily accessible personal information. 

m) For extra security, change your PIN regularly. 

n) Make sure your PIN is protected from view when you access our Interactive Voice 

Response System (IVRS), logon to the HSBC on-line banking service, and use the ATM 

or any other electronic payment terminal. If you think someone has seen your PIN, 

change it immediately. 


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2 If your card/PIN has been lost or stolen, or if your PIN is disclosed to a 

third party, please report the incident immediately by calling HSBC Customer Service 

Hotline on (852) 2233 3000 or inform the nearest HSBC branch. If you are overseas, 

report to any Visa, MasterCard or JCB member bank. 

Please note that you are liable for all amounts debited to your credit card as a result 

of the unauthorised use of your card/PIN until you report loss, theft or disclosure 

of your card or PIN. Provided that you have not knowingly provided your card to a 

third party, or you have not acted fraudulently or with gross negligence, and you 

have informed us as soon as practicable after having found that your card has been 

lost, stolen or disclosed, your liability for the card transactions will be limited to a 

maximum of HK$500 (except that cash advances effected with the use of the PIN will 

not be subject to this limit). 

3 Each credit card is assigned a credit limit that applies to both purchase and cash 

advance transactions. For your own credit limit, please refer to your card statement. 

The Bank may at its discretion allow for any card transactions exceeding the credit 

limit, and reduce the credit limit according to the result of its credit risk assessment 

of you or the card account, without prior notice to you. 

4 If you draw a cash advance at the counter of the Bank, the withdrawal limit will be 

equal to your available credit limit. If you draw a cash advance through Automated 

Teller Machines (ATMs), there will be a daily limit of HK$10,000 or your available 

credit limit whichever is lower. 

5 All funds credited to the Card Account will be applied to reduce its outstanding 

balance. Any credit balance resulting from this will be added to the available credit 

limit. 

6 If you maintain other account(s) with the Bank and you have linked them to 

your credit card, you may use your credit card to withdraw cash/transfer fund 

from the account(s) through ATMs or to pay funds from the account(s) through 

the Easy Pay System (EPS). There is a daily cash withdrawal limit of HK$20,000 

for ATMs (or the local currency equivalent if drawn from an ATM overseas) 

and a daily transfer limit of HK$50,000 for transfers to any accounts not linked 

to the credit card. There is no limit imposed on transfers among your account 

linked to the credit card. For payment through EPS, the daily maximum limit 

is HK$50,000.


7 You may register for HSBC’s internet banking services using your credit card and your 

credit card PIN to perform banking transactions online. The use of such facility will be 

subject to the Bank’s Terms and Conditions for HSBC Internet Banking. 

8 The Bank accepts no responsibility for the non-acceptance of the card by any merchant, 

or for the quality of goods and services provided by any merchant, or for any regular 

payment arrangement with any merchant. If you have any concerns regarding a 

merchant, you may call HSBC Customer Service Hotline on (852) 2233 3000. However, a 

cardholder is required to settle the related transaction(s) even if he/she is claiming against 

the merchant. 

9 Upon receipt of your credit card statement, please check the entries against your credit 

card sales slips. If you have any queries on the statement entries, you should refer to the 

Bank by calling HSBC Customer Service Hotline within 60 days of the statement date. 

10 On all purchase transactions charged to your card, you can enjoy an interest-free period 

of up to 56 days*. 

11 If you are holding a Hong Kong dollar credit card issued by the Bank, transactions effected 

in currencies other than Hong Kong dollars will be debited to the Card Account after 

conversion into Hong Kong dollars at a rate of exchange determined by reference to the 

exchange rate adopted by Visa/MasterCard/JCB International on the date of conversion, 

plus an additional percentage levied by the Bank and any transaction fee(s) charged by 

Visa/MasterCard/JCB International to the Bank, if applicable, which fees may be shared 

with the Bank. The same practice applies to transactions effected in currencies other than 

United States dollars on a United States dollar credit card. 

12 The following fees and charges apply as appropriate: 

a) Finance charge: No finance charge will be payable if the payment of the whole of the 

statement balance is received by the Bank on or before the payment due date. If the 

cardholder fails to pay the Bank the whole of the statement balance by the payment 

due date, a finance charge will be applied (a) to the unpaid statement balance from 

the statement date immediately preceding the said payment due date until payment 

in full and (b) to the amount of each new transaction being posted since the statement 

date immediately preceding the said payment due date, from the transaction date until 

payment in full. The finance charge will accrue daily and be calculated at the interest 

rate of 2.33% per month (equivalent to an annualized percentage rate (APR) of 31.86% 

on purchase and 33.07% on cash advance, inclusive of the handling fee and cash 

advance fee)*. 


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b) Late charge: If the minimum payment due is not received by the Bank on or 

before the payment due date, a late charge of 5% of the minimum payment 

(subject to a minimum of HK$180/US$24 and a maximum of HK$250/US$33) will 

be levied on your card account. 

c) Overlimit handling fee: If the statement balance exceeds the credit limit for the 

time being assigned to the card account, an overlimit handling fee of HK$180/ 

US$24 will be debited to the card account on the statement date. 

d) Cash advance fee: Cash advances include all cash withdrawals made from the 

Card Account including withdrawals from funds credited to the Card Account. It 

will be subject to a handling fee of 3% on the amount of advance (a minimum of 

HK$80/US$10 for an over-the-counter cash advance and a minimum of HK$55/ 

US$7 for an advance made from an ATM or through any other channels) plus a 

cash advance fee of 2% on the amount of advance. The charges are flat and shall 

be debited to the card account as at the date of the advance. 

e) Card replacement fee: A fee of HK$100/US$13 (HK$30 for a Private Label Card) 

will be charged for each card replaced before renewal. 

f) Returned cheque/rejected autoPay: A handling fee of HK$100/US$13 will be 

charged to the card account for each returned cheque or rejected autoPay if it is 

drawn on a bank other than HSBC. 

g) Annual fee: The annual fee* for standard primary and combined additional cards 

are as follows: 

i) Primary cards: Visa Gold/Gold MasterCard – HK$550; JCB Gold – HK$320; Visa/ 

MasterCard – HK$250; US$ Visa Gold – US$70. 

ii) Combined additional cards: Visa Gold/Gold MasterCard– HK$275; JCB Gold – 

HK$160; Visa/MasterCard HK$125; US$ Visa Gold – US$35. 

This fee is subject to change at the Bank’s discretion. 


numbers 

If you require any additional services (such as extra copies of account statements, 

clearing of foreign cheques paid into the account, etc.), other fees and charges 

may apply. For details, please refer to “Bank tariff guide for HSBC Retail Banking 

and Wealth Management Customers” available at any HSBC branch in Hong 

Kong.


13 Termination of your card will not automatically lead to termination of any merchant 

auto payment arrangement, such as autoPay, instalment plan, etc., that are set up or 

authorised prior to the termination of the card. If you wish to modify/terminate any 

merchant auto payment arrangement, please directly contact the related merchant(s) who 

will be responsible for making the necessary arrangements. 

14 Whether you are a primary cardholder or an additional cardholder, if you maintain an 

outstanding balance on your card account (or, if you are the primary cardholder, any 

additional card account also), the Bank may, without notice, combine or consolidate 

the outstanding balance with any other account(s) (including credit card and deposit 

accounts) that you maintain with the Bank and set-off or transfer the money to settle the 

outstanding balance of your card account (or, for a primary cardholder, any additional 

card account). 

15 Upon termination of a card account or a cardholder’s bankruptcy or death, the cardholder 

or his/her estate has to pay in full to the Bank the whole of the outstanding balance of 

his/her card account together with the amount of any transactions effected but not yet 

charged to the account. The Bank may employ third parties to collect any outstandings 

and request reimbursement of all cost or charges reasonably incurred from the 

cardholder or his/her estate. 

16 As a primary cardholder, you are liable for the use of the primary as well as any additional 

card. The Bank may recover any outstandings and charges incurred by the additional 

card from either the primary or the additional cardholder or both. However, an additional 

cardholder is liable for the use of his/her own additional card only and is not liable for the 

associated primary card or any other additional cards linked to that primary card account. 

17 Your card may not be used for payment of any gambling or other transaction which 

is illegal under any applicable laws. We have a chargeback right in respect of such 

transactions effected. 

* The interest-free period and the annual fee may be different for cards other than those 

mentioned in paragraph 12(g). For details, please call HSBC Customer Service Hotline on 

(852) 2233 3000. 

† This APR is calculated based on a set of assumptions as set out in the relevant guidelines 

as referred to in the Code of Banking Practice and the actual APR applied may be different. 

The APR may also be different for cards other than those mentioned in paragraph 12(g). 

Please call HSBC Customer Service Hotline on (852) 2233 3000 for enquiries. 

Effective from 1 March 2012 


for customers 


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The Hongkong and Shanghai Banking 

Corporation Limited 

ATM card Terms and Conditions 

In these Terms and Conditions to which the use of ATM card’s will be subject, ‘ATM card‘ shall 

mean any card issued to the Cardholder by the Bank which may be used to effect banking 

transactions by electronic means whether at auto mated teller machines (‘ATMs‘), point of 

sale terminals or otherwise. ‘Cardholder’s account‘ shall mean any account nominated by the 

Cardholder in respect of the ATM card. 

1. The ATM card is and will be at all times, the property of the Bank. The Bank 

reserves the right to withdraw, at its discretion, the ATM card and/or any of the 

services thereby offered at any time without prior notice. 

2. Subject to the provisions of paragraph 5, the Cardholder will be responsible for all 

transactions effected by use of the ATM card, whether authorised by the Cardholder or 

not. 

3. The Cardholder’s account will be debited with the amount of any withdrawal, transfer 

and/or other transaction effected by use of the ATM card. The Cardholder will maintain 

sufficient funds in the Cardholder’s account to meet any such transactions. 

4. The Personal Identification Number issued to the Cardholder for use with the ATM card 

services and any number(s) substituted by the Cardholder for that purpose (‘PINs‘) 

are strictly confidential. PINs should not be disclosed to any third party under any 

circumstances or by any means whether voluntarily or otherwise. The Cardholder should 

not keep any written record of any PIN in any place or manner which may enable a third 

party to use the ATM card. 

5. The loss or theft of the ATM card should be reported to the Bank immediately and 

confirmed in writing as soon as possible. The Cardholder will be responsible for all 

transactions effected by use of the ATM card until such notification. The Bank will 

debit the Cardholder’s account with any cost incurred in issuing a replacement 

ATM card. 

6. Cash and/or cheques deposited with any ATM by use of the ATM card will only be 

credited to the Cardholder’s account after verification by the Bank. The statement issued 

by the ATM at the time of deposit only represents what the Cardholder purports to have 

deposited and will not be binding on the Bank. Cheques will be accepted for collection 

only and the proceeds will not be available until they have been cleared. 


for customers 


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7. The Bank will not be liable for any failure to provide any service or to perform 

any obligation hereunder where such failure is attributable (whether directly or 

indirectly) to any dispute or other circumstance beyond its control. The Bank 

will not be liable for any consequential or indirect damages arising from or 

related to the use of the ATM card. 

8. The Cardholder’s account will be debited with such charges as the Bank may 

from time to time consider reasonable in respect of the ATM card provided that 

prior notice of such charges is given to the Cardholder. 

9. Networks: The Bank reserves the right to disclose, in strict confidence, to other 

institutions (whether within or outside Hong Kong), such information concerning 

the Cardholder’s account as may be necessary or appropriate in connection with its 

participation in any electronic fund transfer network. 

10. The Bank reserves the right to add to, delete and/or to vary any of these Terms and 

Conditions upon notice to the Cardholder. Use of the ATM card after the date upon 

which any change to these Terms and Conditions is to have effect (as specified in the 

Bank’s notice) will constitute acceptance without reservation by the Cardholder of 

such change. If the Cardholder does not accept any proposed change, the ATM card 

must be returned to the Bank prior to the date upon which such change is to have 

effect. 

11. Any notice hereunder sent by post will be deemed to have been received by the 

Cardholder within 7 days of posting to the address last notified in writing to the 

Bank by the Cardholder. Publication of change by such means as the Bank may 

consider appropriate will constitute effective notice to the Cardholder thereof. 

12. If more than one person signs or agrees to be bound by these Terms and Conditions, 

the obligation and liabilities of such persons hereunder will be joint and several and, 

as the context may require, words herein denoting the singular only will be deemed 

to include the plural. Any notice hereunder to any one such person will be deemed 

effective notification to all such persons. 

13. These Terms and Conditions shall be governed by and construed in accordance with 

the laws of the Hong Kong Special Administrative Region. 




RewardCash Programme Terms and Conditions 

A) General Terms and Conditions 

1. Only holders (‘the Cardholders’) of personal credit cards (including Hong Kong dollar, US 

dollar, Dual Currency and Renminbi primary and additional cards) ('the Cards') issued by 

The Hongkong and Shanghai Banking Corporation Limited ('HSBC') in the Hong Kong 

Special Administrative Region are eligible to participate in the RewardCash Programme 

('the Programme'). Standalone private label card and iCAN card cardholders are not 

eligible for the Programme. 

2. Cardholders earn $1 RewardCash for every HK$250 spent (excluding cash advances, fees 

and charges, withdrawal amount under the Cash Credit Plan and Cash Credit Instalment 

Plan, online bill payments to the Inland Revenue Department made by any Cards, and any 

online bill payments made by Classic or Gold or Dual Currency Credit Card) on a Card. 

For Cardholders using US dollar or Renminbi Card or Dual Currency Credit Card RMB 

sub-account, the amount of Card spending required for earning $1 RewardCash is US$30 

or RMB250 respectively. RewardCash will not be issued on any unposted or cancelled 

card transaction or any card transaction posted but subsequently reversed or refunded 

in whole or in part thereof, including but not limited to tax refund on overseas purchases. 

HSBC reserves the right to change the RewardCash earning rate upon notice. 

3. RewardCash earned with respect to each qualified card transaction will be credited to the 

Card and odd dollars spent, if any, will be carried forward to the next card transaction(s) 

for the purpose of calculating RewardCash entitlement. Any odd dollars remaining as 

of a statement date will be carried forward to the subsequent statement months for 

calculating RewardCash entitlement. 

4. For Card purchases with instalment plan, RewardCash will be issued as and when a 

transaction is posted onto the Card account, which may be in one lump sum or in several 

instalments depending on the type of instalment plan the Cardholder has entered into. 

5. Only those Cardholders whose Card accounts are valid and in good standing will be 

entitled to earn and use their RewardCash. 

6. RewardCash earned will be valid for at least one year and for up to two years. In the case 

of HSBC Premier Credit Cards and HSBC Advance Visa Platinum Cards, RewardCash will 

be valid for up to three years. The annual expiry date for RewardCash earned on a Card 

shall be the statement date of the month shown as the expiry month (regardless of the 


for customers 


numbers 

year) on such Card. The applicable expiry date(s) for RewardCash will be shown in 

the Cardholder's monthly credit card statement and HSBC Internet Banking credit 

card account. 

7. RewardCash are not transferable but may be pooled from the same Cardholder's 

various Cards (i.e. Visa, MasterCard, JCB Gold Card, Renminbi Gold/ Classic 

Card, UnionPay Dual Currency Diamond Card/ UnionPay Dual Currency Card)and 

additional Cards. Pooling of RewardCash between primary and additional Cards is 

not permitted for the Mileage Programme. 

8. All redemptions are subject to the accumulation of sufficient RewardCash and 

HSBC's final acceptance. Orders will be cancelled automatically in the event of 

insufficient RewardCash. 

9. Once a redemption order (including redemption under RewardCash e-shop, Mileage 

Programme, etc.) has been accepted by HSBC, it cannot be changed, cancelled 

or refunded. Redemption or notification letter will be mailed to cardholders' 

correspondence address within four to six weeks. 

10. HSBC is not a supplier of the merchandise, or the products and services redeemable 

under the Programme, and will not accept any liability in relation thereto. 

11. Purchase from RewardCash e-Shop and participation in RewardCash Certificate 

Scheme, Mileage Programme and Octopus Rewards Conversion Scheme are further 

subject to the terms and conditions applicable thereto. 

12. Fraud and abuse relating to the earning and pooling of RewardCash or redemption 

orders (including without limitation where the amount of a related transaction or 

part thereof is subsequently refunded to the Cardholder, whether through the credit 

card account or other means) may result in the forfeiture of the accrued RewardCash 

as well as the cancellation of a Cardholder's Cards. 

13. HSBC reserves the right to change the terms and conditions herein and the amount 

of RewardCash required for redemption from time to time upon notice. 

14. In case of any dispute arising from the Programme, the decision of HSBC shall be final. 

15. In case of discrepancies between the English and the Chinese versions of these 

terms and conditions, the English version shall prevail.


B) RewardCash e-Shop 

1. Items offer at RewardCash e-Shop are available only to Cardholders who perform 

RewardCash redemption via HSBC Internet Banking. 

2. RewardCash should be used in an integer. Every $1 RewardCash equals to HK$1 at 

RewardCash e-Shop. Cardholder can redeem items at RewardCash e-Shop in full amount 

of RewardCash or in any combina tion of RewardCash and cash, subject to a minimum of 

$10 RewardCash for each item. The cash portion must be settled by an HSBC credit card 

via HSBC Internet Banking. 

3. Offers featured in the HSBC Premier Card Exclusive, HSBC Advance Card Exclusive, Visa 

Platinum Card and UnionPay Dual Currency Diamond Credit Card Exclusive and green 

credit card Exclusive sections of RewardCash e-shop are available exclusively to holders of 

HSBC Premier Credit Cards, HSBC Advance Visa Platinum Cards, HSBC Visa Platinum Cards, 

UnionPay Dual Currency Diamond Credit Cards and HSBC green credit cards respectively. 

4. The price indicated for all items at RewardCash e-Shop are in Hong Kong dollars. 

Redemptions made using US dollar or Renminbi credit cards will be processed as foreign 

currency transactions. 

5. HSBC reserves the right to change the items at RewardCash e-Shop from time to time 

without notice. All items are available while stocks last. 

6. Loyalty Discounts ('the Loyalty Discounts') is available to all Cardholders and applicable 

to redemptions made at RewardCash e-Shop. The Loyalty Discounts applies to the 

original price of the item. 

7. The Loyalty Discounts which a Cardholder is entitled to is calculated based on the year in 

which a Cardholder's longest held primary personal Card (excluding cancelled cards and 

iCAN Card), which is valid and in good standing, was issued. 

8. The Loyalty Discounts is not applicable to redeeming vouchers, RewardCash Certificate, 

Octopus Rewards, mileage, credit card annual fee waiver, mileage programme fee waiver 

and special redemption offers (as and when available), and cannot be used in conjunction 

with any other promotional offer or discount (unless otherwise specified). 

9. HSBC is not responsible for lost, damaged or stolen goods redeemed through the 

RewardCash e-Shop. 

10. HSBC reserves the right to change these terms and conditions upon notice. 


for customers 

C) RewardCash Certificate Scheme 


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1. Cardholders who wish to participate in the RewardCash Certificate Scheme 

('the Certificate Scheme') must first register to the Certificate Scheme via HSBC 

Internet Banking or by returning to HSBC a duly completed registration form. Only 

Cardholders who have successfully registered may participate in the Certificate 

Scheme. 

2. Cardholders can enrol any Cards (including primary and additional Cards) under 

the same Hong Kong Identity / Passport Number for the Certificate Scheme. 

Cardholder must select one primary Card for monthly RewardCash consolidation ('the 

Consolidating Card'). 

3. Cardholders can register for or update his / her registration of or de-register from the 

Certificate Scheme from time to time. HSBC will process such registration / update / 

de-registration request in the next working day and within 14 working days made via 

HSBC Internet Banking and other channels respectively. 

4. Upon successful registration, RewardCash accumulated and outstanding in the 

enrolled Card account(s) will be automatically transferred to the Consolidating Card 

on each statement date for calculating RewardCash Certificate entitlement. Such 

transfer will be shown in the respective statements of the relevant month. 

5. RewardCash accumulated and outstanding in the Consolidating Card account as of 

each statement date will be converted into RewardCash Certificate(s) in blocks of $50 

RewardCash. The total number of RewardCash Certificate(s) accumulated and issued 

in any calendar year will be shown in the monthly statement of the Consolidating 

Card and via HSBC Internet Banking. 

6. Each RewardCash Certificate, disregard the value of entitled RewardCash, can 

only be exchangeable for merchant coupon(s) of equivalent value at one of the 

designated outlets of the participating merchants as stipulated on the Certificate. 

Cardholders must present the original RewardCash Certificate and Consolidating 

Card upon redeeming merchant coupons. HSBC may change the participating 

merchant list and designated outlets from time to time without prior notice. 

7. RewardCash Certificate(s) will be issued on a quarterly basis. The number of 

RewardCash Certificate to be issued will be calculated on the last working day 

of March, June, September and December. RewardCash Certificate(s) will be 

mailed to Cardholders in the following month, i.e. April, July, October and January 

respectively.


8. Each RewardCash Certificate is valid for 6 months from the date of issuance. Expired 

RewardCash Certificate will not be re-issued. 

9. RewardCash transferred from enrolled Card(s) to the Consolidating Card cannot be 

reversed, and the RewardCash Certificate(s) accumulated or issued under the Certificate 

Scheme cannot be converted back to RewardCash. 

10. Only Cardholders whose registered Card account(s) is / are valid and in good standing at 

the time of RewardCash Certificate issuance are entitled to participate in the Certificate 

Scheme. HSBC reserves the right to disqualify the Cardholders and/or Card account(s) 

for the Certificate Scheme once the registered Card account(s) fail(s) to maintain good 

standing, including but not limited to any registered Card account(s) being cancelled or 

blocked. 

11. RewardCash Certificates are not redeemable for cash or transferred to another Card 

account under any circumstances. HSBC is not responsible for lost, damaged or stolen of 

RewardCash Certificates. 

12. In case of any disputes over the transaction records or a Cardholder's eligibility for the 

Certificate Scheme, and any other disputes arising out of the Certificate Scheme, the 

decision of HSBC shall be final. 

13. HSBC reserves the right to change these terms and conditions upon notice. 

D) Mileage Programme 

1. Cardholders who wish to participate in the Mileage Programme with respect to a 

participating airline ('the Mileage Programme') must first fill in an enrolment form (even 

if they are already members of the frequent flyer programme(s) of the participating 

airline(s)), and their eligibility and participation in the Mileage Programme will be subject 

to the conditions and any subsequent change as set out in the enrolment form. 

2. Only Cardholders who are eligible to participate in the RewardCash Programme are 

eligible to participate in the Mileage Programme ('Mileage Programme Cardholders'). 

3. Mileage Programme Cardholders whose credit card accounts are valid and in good 

standing ('Accounts') will be eligible to transfer their RewardCash to a participating 

airline's frequent flyer programme account. 


for customers 

4. Mileage Programme Cardholders agree to pay HSBC an annual fee of HK$300 / 

US$40 /RMB300 for participating in the Mileage Programme. Fees will be debited to 

any Account held by the Mileage Programme Cardholder with HSBC when due and 

are not refundable. 

5. The conversion rate is $1 RewardCash to fifteen miles. 


numbers 

6. Mileage Programme Cardholders must transfer a minimum of $40 RewardCash 

from their Accounts each time when a transfer is made to any participating airline's 

frequent flyer programme account. 

7. RewardCash can be pooled by the same Cardholder holding different Cards (i.e. Visa, 

MasterCard, JCB Gold Card, Renminbi Gold/ Classic Card, UnionPay Dual Currency 

Diamond Card/ UnionPay Dual Currency Card). No pooling of RewardCash is allowed 

between primary and additional Cards for transfer to a participating airline's frequent 

flyer programme account. 

8. Once transferred, RewardCash cannot be transferred back to the Mileage Programme 

Cardholder's Account or re-transferred to another participating airline's frequent flyer 

programme account. 

9. RewardCash must be transferred to a participating airline's frequent flyer 

programme account prior to their expiry date. 

10. HSBC assumes no responsibility for RewardCash transferred from a Mileage 

Programme Cardholder's Account to any frequent flyer programme account 

or for the actions of any participating airline in connection with its frequent 

flyer programme or otherwise. Mileage Programme Cardholders must transfer 

RewardCash to the Cardholders' own individual frequent flyer programme account. 

Mileage Programme Cardholder is not allowed to transfer RewardCash to another 

frequent flyer programme account that does not belong to the Mileage Programme 

Cardholder. 

11. All questions or disputes regarding eligibility for joining the Mileage Programme or 

transferring RewardCash under the Mileage Programme will be decided by HSBC at 

its sole discretion. 

12. Fraud and abuse relating to the earning and transfer of RewardCash in the Mileage 

Programme may result in the forfeiture of accumulated RewardCash as well as the 

cancellation of a cardholder's credit card(s).


13. Mileage Programme Cardholders are subject to and must comply with the rules of the 

frequent flyer programme(s) of the participating airline(s) in which they are enrolled. A 

copy of the relevant flyer programme rules will be sent to the cardholder upon his/her 

enrolment with a participating airline. 

14. A participating airline may change its flyer programme rules including regulations, 

policies, benefits, conditions of participation or mileage levels, in whole or in part at any 

time with or without notice, even though changes may affect the value of the free mileage 

already accumulated. 

15. Airline participation in the Mileage Programme is subject to change upon notice. 

16. Participation of respective HSBC credit card, private label, co-branded and affinity card 

cardholders in the Mileage Programme is at the discretion of HSBC. 

17. HSBC reserves the right to change the terms and conditions herein and the Mileage 

Programme at any time upon notice. 

E) Octopus Rewards Conversion Scheme 

1. Cardholders who wish to participate in the Octopus Rewards Conversion Scheme ('the 

Scheme') must first enrol in the Octopus Rewards programme ('the Octopus Rewards 

programme') run by Octopus Rewards Limited ('ORL') directly with ORL. HSBC is not 

involved in this process. Only Cardholders who have successfully enrolled in the Octopus 

Rewards programme may participate in the Scheme. 

2. Only Cardholders who are eligible to participate in the Programme are eligible to 

participate in the Scheme by completing an enrolment form for the Scheme provided by 

HSBC. 

3. Only Cardholders who have enrolled in the Scheme ('enrolled Octopus Rewards 

Cardholders') and whose HSBC credit card accounts ('Accounts') are valid and in good 

standing will be eligible to convert their RewardCash into Octopus Reward$ under the 

Scheme. 

4. HSBC reserves the right to charge enrolled Octopus Rewards Cardholders an annual 

fee for participating in the Scheme at such amount as determined by HSBC at its sole 

discretion by the giving of reasonable notice. 


for customers 


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5. The conversion rate for the Scheme is $20 RewardCash to Octopus Reward$20. 

RewardCash conversion must be made in blocks of $20 RewardCash. A maximum 

of $200 RewardCash can be converted per redemption equivalent to Octopus 

Reward$200. Enrolled Octopus Rewards Cardholders should make a conversion 

request in accordance with the procedures as specified by HSBC from time to time. 

6. RewardCash can be pooled by the same Cardholder holding different Cards (i.e. Visa, 

MasterCard, JCB Gold Card, Renminbi Gold/ Classic Card, UnionPay Dual Currency 

Diamond Card/ UnionPay Dual Currency Card), or between primary and additional 

Cards for conversion to Octopus Reward$. 

7. RewardCash may only be converted into Octopus Reward$ before their expiry date. 

8. Once a conversion request is submitted to HSBC and RewardCash are successfully 

converted into Octopus Reward$ by HSBC, no cancellation and reversion from 

Octopus Reward$ back to RewardCash is allowed. 

9. Enrolled Octopus Rewards Cardholders agree that HSBC may be required to provide 

personal information of the cardholders to ORL to facilitate successful processing 

of their conversion requests and crediting of such converted Octopus Reward$ into 

the corresponding Octopus account registered for the Octopus Rewards programme 

and the Scheme. 

10. It takes 14 days for HSBC and ORL to process a conversion request and enrolled 

Octopus Rewards Cardholders are required to download the converted Octopus 

Reward$ after the relevant conversion request is successfully processed. No separate 

notification or reminder will be sent to enrolled Octopus Rewards Cardholders 

upon successful conversion. Enrolled Octopus Rewards Cardholders agree that 

it is the enrolled Octopus Rewards Cardholder's sole responsibility to download 

the converted Octopus Reward$ onto his/her Octopus registered for the Octopus 

Rewards programme and the Scheme at any of the Octopus Rewards Service Spots 

(as specified by ORL and HSBC from time to time) no later than 90 days from the 

processing date. Any Octopus Reward$ which are not downloaded by the enrolled 

Octopus Rewards Cardholders within the abovementioned timeframe will be 

forfeited automatically without notice. HSBC will not be responsible for any forfeited 

Octopus Reward$. 

11. A conversion request may be rejected by ORL, and the processing time required 

by ORL may be prolonged in case of unexpected system failure. HSBC assumes no


responsibility for any rejection or delay in processing of a conversion request by ORL 

for whatever reason nor for the action of ORL under its Octopus Rewards programme or 

otherwise. Any dispute regarding any converted Octopus Reward$ shall be settled by the 

enrolled Octopus Rewards Cardholder with ORL directly. 

12. All questions and disputes regarding eligibility for joining the Scheme or for converting 

RewardCash under the Scheme will be decided by HSBC at its sole discretion. 

13. Fraud and abuse relating to the earning and conversion of RewardCash and Octopus 

Reward$ under the Scheme may result in the forfeiture of accumulated RewardCash as 

well as the cancellation of a cardholder's credit card(s). 

14. In order to participate in the Scheme, enrolled Octopus Rewards Cardholders are subject 

to and must at all times comply with the applicable rules of the Octopus Rewards 

programme as stipulated by ORL from time to time. 

15. ORL may from time to time change the rules of Octopus Rewards programme run and 

operated by it, including regulations, policies, benefits, conditions of participation or 

usage of Octopus Reward$, in whole or in part at any time with or without notice, and any 

such change may affect the value of the Octopus Reward$ already accumulated. 

16. HSBC reserves the right to change these terms and conditions of the Scheme at any time 

and from time to time. 

Note: In case of discrepancies between the English and Chinese versions, the English 

version shall apply and prevail. 

Effective from 18 October 2010 


for customers 


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Useful contact numbers 

HSBC Customer Service Hotline : (852)2233 3000* 

(Including lost card report) 

For more details on HSBC Credit Cards and the latest offers, please visit . 

* For HSBC Premier customer or HSBC Advance customer, please call the respective HSBC Premier Hotline (852) 2233 3322 or HSBC Advance Hotline (852) 2748 8333. 

Issued by The Hongkong and Shanghai Banking Corporation Limited 


for customers 


numbers 

JCB/eWP/0312/E

HSBC JCB Gold Card

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