HSBC Gold Visa Cash Back - How to Apply for a Credit Card

If you're a working individual you probably know how difficult it can be to part with your hard-earned money. So whenever you shop, look for ways to get a return on your spend, whether it's in the form of cashback, rewards points or discounts. One of the best ways to get a return on your expenses and benefit from the convenience of worldwide cashless transactions is to own a credit card.

The HSBC Gold Visa Cash Back credit card is one of the most valuable options in the Philippines for everyday spending. With its cashback program and rewards, you can rest a little easier knowing that you're getting something back. Not only that, this credit card offers a wealth of benefits such as fuel savings, exclusive privileges and low-interest instalments.

If you are interested in getting the HSBC Gold Visa Cash Back credit card, it is important to do your research first and find out if you are eligible before coursing your application. This way, you won't risk being denied for lack of attention to detail. Here we're going to cover some of the features and benefits of this card, as well as the fees, eligibility requirements and application process. 

HSBC Gold Visa Cash Back Features & Benefits

One of the most striking features of the HSBC Gold Visa Cash Back card is its cashback program. You can earn 5% in cashback when you make dining transactions. For back-to-school categories, you are entitled to 1% cashback from May to August. Overseas transactions are worth 1% in cashback. And 0.5% cashback is also applicable for all other transactions you make. On top of this, you can enjoy 6% rebate on your first Caltex fuel payment and a further 3% all year round.


Another advantage of owning this credit card is its rewards program. With this, you can earn 1 point for every qualified PHP 20 you spend. When you accumulate enough points, you can redeem rewards through various partner establishments including The SM Store, Rustan’s, Lazada and Zalora.

With its Gold status, this credit card offers a wealth of exclusive privileges through the home&Away Privilege Programme. You can get discounts and offers on shopping, dining, wellness and travel at partner establishments around the world. One such offer is 10% off Agoda bookings.

HSBC Gold Visa Disadvantages

Regarding the cashback program, one important thing to keep in mind is that you can only earn a maximum of PhP 1,200 in cashback per account, per calendar month. So, make sure you plan your transactions so that you can maximize your cashback earnings.


HSBC Gold Visa Cash Back Eligibility & How to Apply

To be eligible for this credit card you need an existing locally-issued primary credit card which you have owned for at least one year. You must also have a minimum annual income of PhP 200,000. For a smoother process, make sure that you have your latest bank statements, payment slips and proof of identity on hand.

When you apply, the bank will assign a credit limit based on your credit, financial and employment info. You can also choose a free gift - free annual fees for life or a free PHP 2,000 Lazada e-voucher.

When you are ready to request a card, simply head to the HSBC website and click on the red "Apply Now" button to complete the online application process. You will be asked a number of questions regarding your household, income, expenses and character. Make sure you answer all of these correctly.


You will be notified of the result by email.

HSBC Gold Visa Rates & Charges

  • Interest Rate – 3.5% per month
  • Annual fee – Free waiver on the first year, PhP 2,500 for the primary card and Php 1,250 for supplementary cards
  • Cash advance – 3.75% per month
  • Late payment fee – PhP 700 or unpaid minimum amount due, whichever is lower

HSBC Bank Address & Contact

If you have questions, you can get in touch with the bank’s Customer Service team at +63(2) 85-800 or at You can also send queries using the feedback form.

Address: 6766 Ayala Ave, Legazpi Village, Makati, 1229 Metro Manila, Philippines


Making sure that your money is spent wisely is one of the best things working individuals can do. With the HSBC Gold Visa Cash Back credit card, you can conveniently make cashless payments and receive cashback and rewards on every transaction. However, remember that cashback is capped at PhP 1,200 per month, so stay on top of your spending and always think before you get the credit card out.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.

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