HSBC Visa Signature Credit Card

Min. annual incomeRM102,000RM8,500 / month equivalent

Principal annual feeRM600

Card networkVisaConventional card

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6 visits per yearPlaza Premium Lounge

BEFORE YOU FLY

Airport lounge access

Selected Plaza Premium Lounges

6 visits per year

Plaza Premium Lounge

Use viaPresent physical eligible card; this is not a Priority Pass membership.

Qualifying spend & allocation: No separate retail-spend threshold stated in the linked programme.
Principal / supplementary: Principal cardholder only.
Guests: Accompanying guests age 12+ receive 25% off and children age 3–12 receive 30% off the applicable walk-in charges, paid with the eligible card.
Where it works: Listed lounges at KLIA T1, Singapore Changi T1 / T4 and Hong Kong T1.

July 2026 programme: one complimentary visit per day, up to three hours; benefit available within ten working days of activation.

Entry steps & validity

Active eligible card, matching valid boarding pass and required identity / programme QR code. Admission remains subject to lounge capacity.

July 2026 programme: one complimentary visit per day, up to three hours; benefit available within ten working days of activation.

Official participating lounge list & programme rules ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Visa Signature Reward Points

Visa Signature Reward Points
Eligible spend	Earn level	Monthly extra-points cap
Overseas / online foreign-currency purchases	8X	15,000 overseas-category extra points
Eligible local online purchases	5X	15,000 online-category extra points
Eligible local shopping	5X	15,000 shopping-category extra points

Caps apply to additional points by category; standard earning resumes when the applicable cap is reached. Exclusions / merchant definitions follow the product terms.

Fees & charges

Principal annual fee: RM600
Supplementary annual fee: RM300; applicable first-year / subsequent waiver conditions remain separate.
Annual-fee waiver: First year waived; subsequent waiver at RM24,000 qualifying annual retail spend. Applies to current new-card rules.
Retail interest / effective profit rate: 15% / 17% / 18% p.a., based on prompt-payment history.
Cash advance interest / profit: 18% p.a., normally calculated daily without a retail grace period.
Service tax: RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
Cash advance fee: RM8.70 per transaction, plus applicable tax.
Minimum monthly payment: 5% of current balance plus full monthly card-plan instalments and any unpaid prior minimum, or RM50, whichever is higher.
Late payment: Higher of RM10 or 1% of outstanding balance, capped at RM100.
Foreign currency conversion: Visa / Mastercard conversion rate plus 1% bank conversion cost and applicable network transaction fees.
Replacement card: RM50
Retail grace period: At least 20 days when the prior statement is settled in full and the applicable no-cash-outstanding conditions are met.

Requirements

Minimum annual income: RM102,000
Principal age: At least 21 years
Supplementary age: At least 18 years
Application conditions: Published income threshold; residency, income documents and bank credit assessment also apply.

Payment plans

Instalment services

Instalment services
Service	How it works
Card Instalment Plan	0% offers at participating merchants; qualifying purchases and available tenures apply.
Balance conversion / transfer	Separate application and approved repayment quote required; not assumed to be interest-free.

Product features

Income documents: NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.