The New Wave of Lifestyle

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1 HSBC Credit Card. The One Card for Home and Away. The New Wave of Lifestyle MEMBER S HANDBOOK

2 Contents 02 Smartrivileges make HSBC Credit Cards the Smarter Choice HSBC Smartrivileges HSBC HSBC Rewards HSBC Credit Cards Auto-bill ayment HSBC Balance Transfer lan HSBC Cash Advance HSBC Traveller s Cheques 05 Complimentary Insurance Coverage 06 The Easy Way to Manage Your Accounts HSBC Secureay Flexible ayment Options SMS Balance Enquiry Service 11 Worldwide Acceptance and Assistance ATM Services Emergency Assistance at Home and Abroad Lost / Stolen Card rotection 16 How to Read Your Credit Card Statement

3 Kandungan 18 Smartrivileges menjadikan Kad Kredit HSBC ilihan yang Lebih Hebat HSBC Smartrivileges HSBC Ganjaran HSBC Bayaran Auto-bil Kad Kredit HSBC elan indahan Baki Tertunggak HSBC endahuluan Wang Tunai HSBC Cek Kembara HSBC 21 erlindungan Insurans ercuma 22 Cara Mudah untuk Menguruskan Akaun Anda HSBC Secureay ilihan Bayaran Fleksibel erkhidmatan ertanyaan Baki SMS 27 enerimaan dan Bantuan Seluruh Dunia erkhidmatan ATM Bantuan Kecemasan di Dalam dan Luar Negara erkhidmatan erlindungan Kad Hilang / Dicuri 30 Cara Membaca enyata Akaun Kad Kredit Anda

4 Smartrivileges make HSBC Credit Cards the Smarter Choice Only HSBC Visa and MasterCard offer you Smartrivileges. rivileges which include year-long local offers, home&away benefits, Reward oints for redemption of gifts, attractive promotions the list goes on. Read all about it here. In addition, we will keep you updated on new offers regularly via SMS, or at our website. Smartrivileges. Your Year-long Local rivileges As a HSBC Credit Cardholder, you can enjoy privileged service, discounts and promotional offers at no less than 5000 outlets nationwide, at any time. So the next time you re out shopping, dining, travelling, clubbing or need a little pampering, be sure to use your HSBC Credit Cards. On top of discounts and offers, some of our merchant partners will also give you multiple Reward oints, i.e. you earn up to 3 Reward oints for each RM1 you charge to your card. This makes it faster for you to redeem your desired gifts from the Rewards Catalogue. Visit to know the latest Smartrivileges offers and discounts. Travel the World with Local rivileges Exclusive privileges are yours to enjoy throughout the world, including destinations like Australia, Brazil, China, Greece, Hong Kong, Mauritius, Turkey and more. Choose your destination and we ll show you the special offers and discounts that you can enjoy. 02

5 To discover great discounts and useful travel tips: 1. Log on to click on Smartrivileges 2. Select home&away to view participating countries and merchant offers For greater convenience whenever you travel, you can bookmark with your Internet-enabled mobile device and find out the nearest credit card privileges. Rewards that Count Simply use your HSBC Credit Card and be rewarded with free shopping, free dining, free travel, free flights, free gifts and annual fee waiver! You collect one Reward oint for every RM1 charged to your card. Accumulate these points to redeem dream gifts from our Rewards Catalogue. You can keep your points for up to 3 years. Log on to for the latest Rewards Catalogue. In addition, your Smartrivileges newsletter will also update you on new value-buy items for redemption ranging from electrical goods, gift vouchers to lifestyle items. HSBC Credit Cards Auto-bill ayment for No-hassle ayments Sign up for HSBC Credit Cards Auto-bill ayment to settle payments for utilities, telephone bills, insurance premiums and the like. With this service, you don t have to miss your payments anymore! Have peace of mind knowing your bills are paid in time, every time. Visit for more information. 03

6 Be Money Savvy. Transfer Your Outstanding Balance from Other Credit Cards Enjoy huge savings and financial flexibility with our attractive Balance Transfer programme. Simply transfer your outstanding credit card balance from your credit cards issued by other banks to your HSBC Credit Cards and reduce high interest payments. Visit our branch or check out for the latest Balance Transfer promotional offers. Convenient Cash Advance Need cash? You can easily perform a cash advance from any of our ATMs in Malaysia, or any banks ATMs displaying Visa LUS or MasterCard Cirrus logos at over 500,000 ATMs in more than 100 countries worldwide. In addition, you can obtain cash over the counter at any bank displaying the Visa or MasterCard signage in the currency you need. lease refer to Worldwide Acceptance & Assistance to find out more about your cash advance limits. Commission-free Traveller s Cheques For Gold Cardholders, you enjoy 0% commission when you purchase traveller s cheques at any of our 40 HSBC branches in Malaysia. 04

7 Complimentary Insurance Coverage Take advantage of this attractive benefit by charging your travel tickets and purchases to your HSBC Credit Cards. Gold Card only Free Scheduled Flight Inconvenience Insurance Benefits: a. Missed Flight Connection b. Accompanied Flight Luggage Delay c. Accompanied Flight Luggage Loss d. Burial or Cremation and / or Transport of Mortal Remains Free urchase rotection Insurance Coverage: a. Loss of / Damage to article purchased b. Entire cost of purchase fully charged to a HSBC Credit Card c. Sum insured - Up to RM10,000 for any one article - Up to RM30,000 per occurrence Log on to for more details. 05

8 The easy way to manage your accounts Life has never been the same since internet banking. With you have the freedom to do your banking 24 hours a day, 7 days a week, from the comfort of your home, office or just anywhere in the world with no queues or traffic jams. It s so easy to register for With just 3 simple steps only: 1. Log on to 2. Click Register under ersonal Internet Banking 3. Follow the onscreen instructions Check your HSBC Credit Card online transactions through 2 log on modes Verify transactions, check statements or make payments on your credit card and do your online banking in 2 ways. Use the HSBC Security Device for third party transfer, or use the assword mode for payments between your own accounts. Log on with asswords Log on with your assword and Secondary asswords and get quick access to selected internet banking features available on Log on with Security Device Log on with your HSBC Security Device, which generates unique security code, and securely access all the features of 06

9 Transactions you can access with each log on mode: Features ASS WORD View Account Summary Net Worth Statement Global View * Opening Account EasiGrow / Smart Link Account i Time Deposits General Investment Account i ay Bills ay Monthly Bills Transfers Own HSBC / HSBC Amanah Credit Card / Savings / Current Accounts Other HSBC / HSBC Amanah Credit Card / Savings / Current Accounts MES lnterbank GIRO Cashier s Order Demand Draft Telegraphic Transfer Me2Me * Services Update Maturity Instruction Register Secureay Order Cheque Book Update ersonal Information Update Correspondence Addresses Electronic Share Applications (ESA) e-statements Request e-statements Download e-statements * For HSBC / HSBC Amanah remier customers. Not applicable for HSBC Amanah. 07

10 With you get to: Transfer funds to 20 other participating banks with MES InterBank GIRO absolutely FREE for HSBC remier and owervantage accounts only. Enjoy up to 45% discount per transaction on Telegraphic Transfers. ay all your monthly bills eg. electricity, water, phone bills etc. with up to 6 bills in 1 click. Sign up for e-statement Enjoy paperless banking experience with e-statement and reap the following benefits: It reduces your paper work. It eliminates the need for punching and filing physical paper. You won t lose or misplace your statements. It s convenient! Access your statements anytime & anywhere you have internet access. You would be happy to know that all your online transactions are safeguarded against fraud and / or identity theft through HSBC Secureay. How HSBC Secureay protects you? HSBC Secureay prevents unauthorised use of your credit card* by prompting a personal message and password, set and known only to you, each time your card is used to make online purchases**. 08

11 Registering for HSBC Secureay is simple To access HSBC Secureay, you must be registered for Then, log on and select Verified by Visa or MasterCard SecureCode under Services in the left navigation panel. Learn more on how to register for Secure ay from the online demo at Registration is FREE for both Secureay and Flexible ayment Options You may settle your credit card account(s) in full each month or pay the minimum amount due (from as little as 5% or RM50, whichever is higher). Apart from making online payments through our Internet Banking service, you have these other options: Mail your cheques to: HSBC Bank Malaysia Berhad, Card Services,.O. Box 13688, Kuala Lumpur. Bank in your cash or cheque at your nearest HSBC branch via our Online Express Cash / Cheque Deposit Machines Use the MES Interbank GIRO (IBG) to transfer funds from your savings or current accounts with other IBG participating banks via their online banking services or over the counter Direct debit from your deposit account(s) in full or as a fixed percentage of your outstanding card balance Telebanking (if you have a owervantage Account with HSBC) at (03) Fund Transfer through ATM (if you have a deposit account with HSBC) 09

12 SMS Balance Enquiry Service We have now made it more convenient for you to manage your account through SMS enquiries to us at With this new service from HSBC, you can check: Your credit card outstanding balance, available credit limit and statement due date The available balance on your Reward oints Note: Cardholders are required to register for this service before they can SMS for the enquiries. Service is available from 7am until 3am daily. Each message sent by HSBC will be charged RM0.30 per SMS unless otherwise stated. Normal SMS charges apply for requests sent to please refer to your telecommunications operator. Log on to for more details. Using the Service To register for the service: Type SUB<space>the last 4 digits of your ID* number and send to e.g. SUB 5888 Note: The last 4 digits of your ID* number and mobile phone number used for registration must match the Bank s records for a successful registration for the service. To request for your credit card balance: Type BAL and send to To request for your latest statement balance, minimum amount due and payment due date: Type DUE and send to To request for your Reward oints balance: Type TS and send to *assport, NRIC, Government Issued Identification 10

13 Worldwide acceptance and assistance Your Card and ATM Services Your credit card gives you full access to our extensive ATM network nationwide 24 hours a day, 7 days a week. This facility covers a wide range of automated services: Cash advance from credit card account Withdraw up to RM3,000 a day per card, subject to your available credit line*. Fund transfers from credit card account to bank deposit account Transfer up to RM3,000 a day per card to your deposit account with HSBC, subject to your available credit line. Credit card inquiry Check on your outstanding balance (primary account only), latest statement balance, minimum payment due and payment due date. Credit card repayment Settle your credit card bills by depositing your cash (notes only) or cheque into your account via any of our Online Express Cash / Cheque Deposit Machines. ersonal Identification Number (IN) change Change your IN as many times as you like to any six digit number of your choice. Access to your deposit accounts Use your credit card like a normal ATM card by nominating any two of your personal deposit accounts with HSBC to be encoded onto your card. You will be given full access to those accounts. 11

14 Request statements or chequebooks from HSBC Group ATM Network only * You may utilise cash advance from your available credit limit. The percentage of available credit limit allowed to be withdrawn via cash advances is shown below: Classic Card Gold Card First Year 50% 60% Subsequent Years (2nd year onwards) 60% 70% Emergency Assistance At Home and Abroad Visa Global Customer Assistance As our Visa Gold / Classic Cardholder, you can take advantage of the many services offered by the Visa anywhere in the world by simply calling (612) or The services offered include emergency card replacement, medical and legal assistance, emergency ticket replacement and lost luggage assistance. Some of the other toll-free numbers you can use to access these services are: Malaysia Australia United Kingdom United States

15 MasterCard Emergency Card Replacement / Cash Advance Service Gold / Classic MasterCard Cardholders from HSBC will enjoy a sense of confidence and security on their travels at home and abroad through this emergency service. In the event you lose your card, please call any of the following numbers to report the loss. You may also request an emergency replacement card and / or emergency cash advance when making the report. MasterCard Global Service: Malaysia Overseas Lost / Stolen Card rotection In Malaysia, please make a report at any of our HSBC branches or report to our call centre at: If you are abroad, you may: Advise us by telegram or telex (at MA 31001) Advise us through a local Visa or MasterCard representative Ask any local Visa or MasterCard merchant to put you in touch with their authorisation centre who will then contact us Advise us through a HSBC branch, if available You will get a replacement card within two working days from the time the card is reported lost. Within Malaysia only. 13

16

17 HOW TO READ YOUR CREDIT CARD STATEMENT 1. Credit Card Account Number This is your credit card account number. lease indicate this number on the back of your cheque when making payment and in any correspondence to us. 2. Statement Date This is the date your monthly statement was generated. 3. Rewards Every ringgit charged to your card is equivalent to 1 Reward point (excluding petrol purchase, balance transfer, cash advance, fees, bank charges and taxes). This reflects your reward points transactions as of the last statement date. 4. Minimum Amount Due This is total of the 'arrears of payment', 'current due' and 'overlimit amount'. 5. Arrears of ayment Balance unpaid on the minimum amount due from the previous month. 6. Current Due 5% of the statement balance. 7. Overlimit This shows the amount utilised above your approved credit line. 8. ayment Due Date lease forward your payment (at least the minimum amount due) by this date. 9. ost Date This is the date of the charges billed to your account. 10. Transaction Date This is the actual transaction date made with your card. 11. Transaction Details All transactions including Balance Transfers and monthly instalment amounts are itemised with brief details of where the charges were made. Supplementary cardholders' charges are itemised under their respective names and account numbers. 12. Transaction Amount This lists the transaction amount for each purchase, cash advance, Balance Transfer, monthly instalment amount, payment received and other charges in Malaysian Ringgit. 13. rincipal's Name, Account Number and Credit Limit This will be followed by a list of transactions done by the primary cardholder. 14. Credit Used As of Last Statement This shows how much of your credit limit you have used, carried forward from your last statement. The limit used consists of the previous month's statement balance and any unbilled portions of your Instalment ayment lans. 15. ayment This is the date and payment received by the statement date. 16. Foreign Transaction If you made any transactions overseas, the relevant foreign currency and the amount converted to Malaysian Ringgit will be listed. 17. Instalment ayment lan Monthly instalment amount due each month for repayment of your instalment payment plans. 18. Cash Advance Any advance made over the counter or from an ATM will be itemised. The relevant cash advance fee will be listed under the respective card account. 19. Annual Fee This is the yearly fee for your card. 20. Late ayment Charges This charge is due to late or non-payment or payment less than the previous month's minimum amount. 21. Supplementary Cardholder's Name and Account Number If you have more than one supplementary cardholder, each card is listed separately, followed by its respective transactions. 22. Local Transaction Transactions made in Malaysia. 23. Cash Advance Fee Each cash advance will be subjected to a cash advance fee. 24. Finance Charge The finance charge / interest rate is imposed on outstanding cash advance balances, balance transfer and other interest rate plan balances from transaction date AND imposed on unpaid retail transaction balances after the interest-free period. 25. Total Credit Used Account balance inclusive of your unbilled portions of your instalment plans. 26. Your Statement Balance This is the total outstanding balance for this statement minus the unbilled portions on your instalment plans. 27. Standing Instruction If you maintain a current / savings with us, you may opt for a standing instruction settlement at a percentage of your choice from a minimum percentage of 5% on your statement balance. This service is free of charge. 28. Instalment ayment lan Details This reflects the total instalment payment plans you have registered for as of statement date. 29. ayment Details By Cheque lease indicate the payment amount, cheque number, name of the issuing bank and commission (if applicable) in this column. Enclose this portion together with your cheque.

18 Smartrivileges menjadikan Kad Kredit HSBC ilihan Lebih Bijak Hanya HSBC Visa dan MasterCard sahaja menawarkan anda Smartrivileges, keistimewaan tempatan sepanjang tahun termasuk tawaran di luar negeri melalui program home&away, Mata Ganjaran bagi penebusan hadiah, promosi menarik dan banyak lagi. Baca semua mengenainya di sini. Selain daripada itu, kami akan sentiasa pastikan yang anda akan dimaklumkan mengenai tawaran-tawaran terbaru kami melalui SMS, e-mel atau laman web kami. Smartrivileges. Keistimewaan Tempatan Anda Sepanjang Tahun Sebagai pemegang Kad Kredit HSBC, anda boleh menikmati perkhidmatan istimewa, tawaran diskaun dan promosi di lebih daripada 5000 saluran keluar seluruh negara, pada bila-bila masa. Maka, apabila anda keluar membeli-belah, menjamu selera, mengembara, mengunjungi kelab malam atau mahu memanjakan diri, pastikan anda menggunakan Kad Kredit HSBC. Selain daripada diskaun dan tawaran, sebilangan rakan saudagar kami juga akan memberikan anda Mata Ganjaran berganda, misalnya anda boleh memperoleh sehingga 3 Mata Ganjaran bagi setiap RM1 yang dicaj kepada kad anda. Ini akan mempercepatkan anda untuk menebus hadiah yang anda hajati daripada Katalog Ganjaran kami. Layari untuk mengetahui tawaran dan diskaun Smartrivileges terkini. Mengembara Negeri Seluruh Dunia dengan Keistimewaan Setempat Keistimewaan eksklusif adalah milik anda untuk menikmati pengalaman seluruh dunia, termasuk destinasi-destinasi seperti Australia, Brazil, China, Yunani, Hong Kong, Mauritius, Turki dan banyak lagi. ilihlah destinasi anda dan kami akan tunjukkan pada anda tawaran dan diskaun istimewa yang anda boleh nikmati. 18

19 Untuk mendapatkan diskaun hebat dan tip perjalanan berguna: 1. Log masuk ke klik pada Smartrivileges 2. ilih home&away untuk melihat tawaran menarik di negara-negara yang mengambil bahagian Untuk kemudahan anda sewaktu perjalanan anda, simpanlah alamat dalam peranti mudah alih Internet anda dan dapatkan keistimewaan kad kredit terdekat anda. Ganjaran yang Berbaloi Mudah sahaja, gunakan Kad Kredit HSBC anda dan anda akan diberi ganjaran dengan membeli-belah percuma, jamuan percuma, perjalanan percuma, penerbangan percuma, hadiah percuma dan pengecualian yuran tahunan! Anda mengutip satu Mata Ganjaran bagi setiap RM1 yang dicajkan kepada kad anda. Kumpulkan mata-mata ini untuk menebus hadiah impian anda daripada Katalog Ganjaran kami. Anda boleh menyimpan mata anda sehingga 3 tahun lamanya. Log masuk ke bagi mendapatkan Katalog Ganjaran terkini. Selain daripada itu, surat berita Smartrivileges anda juga akan memaklumkan anda mengenai barangan belian bernilai baru bagi penebusan meliputi barangan elektrik, baucar hadiah hinggalah barangan gaya hidup. Bayaran Auto-bil Kad Kredit HSBC bagi Bayaran Mudah Daftarlah bagi Bayaran Auto-bil Kad Kredit HSBC untuk menyelesaikan bayaran bil utiliti, bil telefon, premium insurans dan sebagainya. Dengan perkhidmatan ini, anda tidak perlu bersusah payah lagi dengan bayaran bil anda! Tenangkan fikiran anda dengan mengetahui yang bil anda akan dibayar tepat pada masanya, setiap masa. Layari untuk maklumat lanjut. 19

20 Jimatkan Wang Anda. indahkan Baki Tertunggak Anda daripada Kad-kad Kredit Lain Nikmati penjimatan hebat dan kefleksibelan kewangan dengan program emindahan Baki kami yang menarik. Hanya pindahkan baki tertunggak kad kredit anda daripada kad kredit anda yang dikeluarkan oleh bank-bank lain kepada Kad Kredit HSBC anda dan kurangkan bayaran kadar faedah. Kunjungi cawangan kami atau semak di untuk tawaran promosi emindahan Baki terkini. endahuluan Tunai yang Mudah erlukan wang tunai segera? Anda boleh mendapatkan pendahuluan tunai dengan mudah dari mana-mana mesin ATM kami di Malaysia, atau mana-mana mesin ATM bank lain yang mempamerkan logo Visa LUS atau MasterCard Cirrus di lebih 500,000 mesin ATM dan di lebih daripada 100 buah negara seluruh dunia. Selain daripada itu, anda boleh mendapatkan wang tunai di kaunter mana-mana bank yang mempamerkan papan tanda Visa atau MasterCard dalam apa jua mata wang yang anda perlukan. Sila rujuk enerimaan & Bantuan Seluruh Dunia untuk mengetahui lebih lanjut mengenai pendahuluan tunai anda. Cek Kembara Tanpa Komisen Bagi emegang Kad Gold, anda nikmati 0% komisen apabila anda membeli cek kembara di mana-mana daripada 40 cawangan HSBC kami di Malaysia. 20

21 erlindungan Insurans ercuma Jangan lepaskan peluang untuk mendapatkan manfaat menarik ini dengan mengecaj tiket perjalanan anda dan membuat belian menggunakan Kad Kredit HSBC anda. Kad Gold sahaja ercuma Manfaat Insurans Gangguan enerbangan Berjadual: a. Terlepas enyambungan enerbangan b. Kelewatan Bagasi enerbangan yang Mengiringi c. Kehilangan Bagasi enerbangan yang Mengiringi d. engebumian atau embakaran dan/atau engangkutan Jenazah ercuma erlindungan Insurans erlindungan embelian: a. Kehilangan / Kerosakan kepada barangan yang dibeli b. Kos keseluruhan pembelian dicaj sepenuhnya kepada Kad Kredit HSBC c. Jumlah diinsuranskan - Sehingga RM10,000 bagi mana-mana satu barangan - Sehingga RM30,000 setiap kejadian Log masuk ke untuk maklumat lanjut. 21

22 Cara mudah untuk menguruskan akaun anda Kehidupan sentiasa berubah sejak pengenalan perbankan internet. Dengan anda bebas untuk melaksanakan urusan perbankan anda 24 jam sehari, 7 hari seminggu, dari rumah anda yang cukup selesa, pejabat atau di mana-mana sahaja di dunia tanpa perlu beratur atau menempuh kesesakan trafik. Ianya cukup mudah untuk mendaftar bagi menggunakan Hanya dengan 3 langkah mudah: 1. Log masuk ke 2. Klik Register di bawah ersonal Internet Banking 3. Ikut arahan pada skrin Semak urusniaga Kad Kredit HSBC anda melalui 2 cara log masuk Tentu sahkan urusniaga, semak penyata atau membuat bayaran ke atas kad kredit anda dan lakukan perbankan dalam talian anda melalui 2 cara. Gunakan eranti Keselamatan HSBC bagi pemindahan pihak ketiga, atau gunakan cara Kata Laluan bagi bayaran antara akaun-akaun milik anda. Log masuk dengan Kata Laluan Log masuk dengan Kata Laluan dan Kata Laluan Sekunder anda dan dapatkan akses pantas untuk memilih ciri-ciri perbankan internet yang tersedia dalam Log masuk dengan eranti Keselamatan Log masuk dengan eranti Keselamatan HSBC anda, yang menjana kod keselamatan unik, dan akses dengan selamat semua ciri-ciri 22

23 Urusniaga anda boleh diakses dengan setiap cara log masuk: Ciri-ciri KATA LALUAN aparan Ringkasan Akaun enyata Nilai Bersih aparan Global* embukaan Akaun EasiGrow / Smart Link Account i Deposit Masa elaburan Am Akaun-i Bayaran Bil Bayar Bil Bulanan emindahan Kad Kredit HSBC / HSBC Amanah Sendiri / Akaun Simpanan / Akaun Semasa Lain-lain Kad Kredit HSBC / HSBC Amanah / Akaun Simpanan / Akaun Semasa MES GIRO Antara Bank erintah Juruwang Draf Tuntutan emindahan Telegraf Me2Me * erkhidmatan Mengemas Kini Arahan Kematangan Mendaftar Secureay Menampah Buku Cek Mengemas Kini Maklumat eribadi Mengemas Kini Alamat Surat-menyurat Aplikasi erkongsian Elektronik (ESA) e-enyata Meminta e-enyata Memuat Turun e-enyata * Bagi pelanggan-pelanggan Utama HSBC / HSBC Amanah. Tidak terpakai bagi HSBC Amanah. 23

24 Dengan anda boleh membuat: emindahan wang ke 20 bank lain yang mengambil bahagian dengan MES InterBank GIRO dan ianya ERCUMA bagi akaun HSBC remier dan owervantage sahaja. Nikmati sehingga 45% diskaun setiap urusniaga ke atas emindahan Telegraf. Bayar semua bil bulanan anda misalnya bil elektrik, air, telefon, dll. sehingga 6 bil dalam 1 klik. Daftar bagi menggunakan e-enyata Nikmati pengalaman perbankan tanpa kertas dengan e-enyata dan rebut manfaat-manfaat berikut: Ia mengurangkan kertas kerja anda. Ia menghapuskan keperluan bagi menebuk dan memfailkan kertas fizikal. Anda tidak akan atau salah letak penyata anda. Ia sungguh mudah! Akses penyata anda bila-bila masa & di mana-mana jua anda mendapat akses Internet. Anda pasti gembira apabila mengetahui bahawa semua urusniaga dalam talian dilindungi terhadap penipuan dan/atau kecurian identiti melalui HSBC Secureay. Bagaimana HSBC Secureay melindungi anda? HSBC Secureay mencegah penggunaan kad kredit anda tanpa kebenaran* dengan menghantar pesanan dan kata laluan peribadi, ditetapkan dan diketahui hanya untuk anda, setiap kali kad anda digunakan untuk membuat pembelian dalam talian ** 24

25 endaftaran bagi v adalah mudah Untuk mengakses HSBC Secureay, anda mestilah mendaftar bagi menggunakan Kemudian, log masuk dan pilih Verified by Visa atau MasterCard SecureCode di bawah Services di panel kiri navigasi. elajari dengan lebih lanjut tentang bagaimana untuk mendaftar bagi menggunakan Secure ay daripada demo dalam talian di endaftaran adalah ERCUMA bagi kedua-dua Secureay dan ilihan Bayaran Fleksibel Anda boleh menjelaskan akaun(akaun-akaun) kad kredit anda sepenuhnya setiap bulan ataupun dengan membayar amaun minimum (dari serendah 5% ataupun RM50, yang mana lebih tinggi). Selain daripada membuat bayaran dalam talian melalui perkhidmatan erbankan Internet kami, anda mempunyai pilihan lain, seperti yang berikut: oskan cek anda ke: HSBC Bank Malaysia Berhad, erkhidmatan Kad, eti Surat 13688, Kuala Lumpur. Masukkan wang tunai ataupun cek anda di mana-mana cawangan HSBC terdekat melalui perkhidmatan Tunai Ekspres Dalam Talian / Mesin Deposit Cek kami Gunakan perkhidmatan GIRO Antara Bank MES (IBG) untuk memindahkan wang daripada akaun simpanan atau akaun semasa anda bersama dengan bank IBG lain yang mengambil bahagian melalui perkhidmatan perbankan dalam talian atau melalui khidmat kaunter Debit secara terus daripada akaun(akaun-akaun) deposit anda secara penuh ataupun mengikut peratusan tetap terhadap baki tertunggak kad anda Teleperbankan (sekiranya anda mempunyai Akaun owervantage dengan HSBC) di (03) emindahan Wang melalui mesin ATM (sekiranya anda mempunyai akaun deposit dengan HSBC) 25

26 erkhidmatan SMS Bagi ertanyaan Baki Kami kini telah menjadikannya lebih mudah bagi anda untuk menguruskan akaun anda melalui pertanyaan SMS kepada kami di Dengan perkhidmatan baru daripada HSBC ini anda boleh menyemak: Baki tertunggak kad kredit anda, had kredit yang tersedia dan tarikh penyata kena dibayar Baki tersedia ke atas Mata Ganjaran anda Nota: emegang-pemegang kad dikehendaki untuk mendaftar bagi menggunakan perkhidmatan ini sebelum mereka boleh menghantar SMS untuk membuat pertanyaan. erkhidmatan ini tersedia dari jam 7 pagi sehingga 3 pagi setiap hari. Setiap pesanan yang dihantar oleh HSBC akan dikenakan caj RM0.30 setiap SMS melainkan dinyatakan sebaliknya. Caj SMS biasa terpakai bagi permintaan yang dihantar ke sila rujuk kepada pengendali telekomunikasi anda. Log masuk ke untuk maklumat lanjut. enggunaan erkhidmatan Untuk mendaftar bagi menggunakan perkhidmatan: Taip SUB<jarak>4 digit terakhir nombor ID* anda dan hantar ke misalnya SUB 5888 Nota: 4 digit terakhir nombor ID* anda dan nombor telefon mudah alih yang digunakan bagi pendaftaran mestilah sama dengan rekod Bank bagi memastikan kejayaan pendaftaran untuk menggunakan perkhidmatan ini. Untuk menanyakan baki kad kredit anda: Taip BAL dan hantar ke Untuk menanyakan baki penyata terkini anda, jumlah minimum kena dibayar dan tarikh bayaran kena dibayar: Taip DUE dan hantar ke Untuk menanyakan baki Mata Ganjaran anda: Taip TS dan hantar ke *asport, Kad engenalan, engenalan Diri yang dikeluarkan oleh Kerajaan 26

27 enerimaan dan bantuan seluruh dunia erkhidmatan ATM dan Kad Anda Kad kredit anda memberikan anda akses penuh kepada rangkaian luas mesin ATM kami di seluruh negara selama 24 jam sehari, 7 hari seminggu. Kemudahan ini meliputi rangkaian luas perkhidmatan automatik: endahuluan tunai daripada akaun kad kredit engeluaran sehingga RM3,000 sehari untuk setiap kad, tertakluk kepada had kredit tersedia anda*. emindahan wang daripada akaun kad kredit ke akaun deposit bank emindahan sehingga RM3,000 sehari untuk setiap kad ke akaun deposit anda dengan HSBC, tertakluk kepada had kredit tersedia anda. ertanyaan kad kredit Semak baki tertunggak anda (akaun kad utama sahaja), baki penyata terkini, bayaran minimum kena dibayar dan tarikh bayaran kena dibayar. Bayaran balik kad kredit Jelaskan bil kad kredit anda dengan mendepositkan wang tunai (wang kertas sahaja) atau cek ke dalam akaun anda melalui mana-mana perkhidmatan Tunai Ekspres Dalam Talian / Mesin Deposit Cek. enukaran Nombor engenalan eribadi (IN) Tukar IN anda sekerap mana yang anda suka kepada sebarang nombor enam digit pilihan anda. Akses kepada akaun deposit anda Gunakan kad kredit anda seperti kad ATM biasa dengan menamakan mana-mana dua daripada akaun deposit peribadi anda dengan HSBC untuk dikodkan pada kad anda. Anda akan menikmati akses penuh kepada akaun-akaun berkenaan. 27

28 Minta penyata atau buku cek daripada Rangkaian ATM Kumpulan HSBC sahaja * Anda boleh menggunakan pendahuluan tunai daripada had kredit anda yang tersedia. eratusan had kredit yang tersedia dibenarkan untuk dikeluarkan melalui pendahuluan tunai ditunjukkan di bawah: Kad Classic Kad Gold Tahun ertama 50% 60% Tahun Berikutnya (Tahun kedua ke atas) 60% 70% Bantuan Kecemasan di Dalam dan Luar Negeri erkhidmatan elanggan Global Visa Sebagai emegang Kad Visa Gold / Classic kami, anda boleh mendapatkan pelbagai perkhidmatan yang ditawarkan oleh Visa di serata dunia dengan membuat panggilan ke (612) atau erkhidmatan yang ditawarkan termasuk penggantian kad kecemasan, bantuan perubatan dan guaman, penggantian tiket kecemasan dan bantuan kehilangan bagasi. Beberapa nombor bebas tol lain yang anda boleh gunakan untuk mengakses perkhidmatan ini adalah: Malaysia Australia United Kingdom Amerika Syarikat

29 enggantian Kad Kecemasan MasterCard / erkhidmatan endahuluan Tunai emegang Kad MasterCard Gold / Classic daripada HSBC akan menikmati rasa lebih yakin dan selamat semasa perjalanan mereka sama ada di dalam mahupun luar negeri melalui perkhidmatan kecemasan ini. Jika sekiranya anda kehilangan kad anda, sila hubungi mana-mana nombor berikut untuk melaporkan kehilangan tersebut. Anda juga boleh meminta kad penggantian kecemasan dan/atau pendahuluan tunai kecemasan apabila membuat laporan. erkhidmatan Global MasterCard: Malaysia Luar Negeri erlindungan Kehilangan / Kecurian Kad Di Malaysia, sila buat laporan di mana-mana cawangan HSBC kami atau lapor terus kepada pusat panggilan kami di: Sekiranya anda di luar negeri, anda boleh: Memaklumkan kepada kami melalui telegram atau teleks (di talian MA 31001) Memaklumkan kepada kami melalui wakil Visa atau MasterCard tempatan Mendapatkan bantuan mana-mana saudagar Visa atau MasterCard tempatan untuk menghubungi pusat pengesahan tempatan yang seterusnya akan menghubungi kami Memaklumkan kami melalui cawangan HSBC, sekiranya ada Anda akan mendapat kad gantian dalam masa dua hari bekerja dari masa laporan kehilangan kad dibuat. Di Malaysia sahaja. 29

30

31 CARA MEMBACA ENYATA AKAUN KAD KREDIT-i ANDA 1. Nombor Akaun Kad Kredit Ini adalah nombor akaun kad kredit anda. Sila tuliskan nombor ini pada bahagian belakang cek apabila membuat bayaran dan dalam semua urusan surat-menyurat kepada kami. 2. Tarikh enyata Ini adalah tarikh pada penyata bulanan yang dikeluarkan. 3. ulangan Tunai Setiap kali anda berbelanja dengan Kad Kredit-i Mower Visa anda, nikmatilah pulangan tunai 0.5% untk semua perbelanjaan runcit. 4. Amaun Minimum erlu Dibayar Ini merupakan jumlah tunggakan bayaran, jumlah semasa yang perlu dibayar dan jumlah yang melebihi had kredit. 5. Tunggakkan Bayaran Baki yang terhutang atas amaun minimum yang perlu dibayar dari bulan sebelumnya. 6. Amaun Semasa erlu Dibayar 5% jumlah semasa kena dibayar daripada baki penyata. 7. Melebihi Had Ini menunjukkan jumlah yang digunakan melebihi had kredit yang diluluskan. 8. Tarikh Akhir embayaran Sila buat bayaran (sekurang-kurangnya amaun minimum yang perlu dibayar) selewat-lewatnya pada tarikh ini. 9. Tarikh Catatan Ini adalah tarikh caj dibilkan kepada akaun anda. 10. Tarikh Transaksi Ini adalah tarikh sebenar transaksi dibuat pada kad anda. 11. Huraian Transaksi Semua transaksi termasuk indahan Baki Tertunggak dan amaun-amaun ansuran bulanan dicatat dengan ringkas di mana caj dibuat. Caj pemegang kad tambahan disenaraikan di bawah nama dan nombor akaun masing-masing. 12 Jumlah Transaksi Ia menyenaraikan jumlah transaksi untuk setiap belian, wang pendahuluan, pindahan baki tertunggak, amaun ansuran bulanan, bayaran yang diterima dan lain-lain caj dalam Ringgit Malaysia. 13 Nama emegang Kad Utama, Nombor Akaun dan Had Kredit Ini akan disusuli dengan senarai transaksi yang dilakukan oleh pemegang kad utama. 14 Kredit Diguna ada enyata Terakhir Ini menunjukkan jumlah had kredit anda yang telah digunakan, di bawa ke hadapan dari penyata terakhir. Had yang digunakan mengandungi baki penyata bulanan terdahulu dan mana-mana bahagian pelan bayaran ansuran anda yang belum dipenyatakan. 15 Bayaran Ini adalah tarikh dan jumlah bayaran yang diterima bagi tarikh penyata. 16 Transaksi Asing Jika anda membuat sebarang transaksi di luar negara, matawang asing yang berkenaan dan jumlah yang ditukar kepada Ringgit Malaysia akan disenaraikan. 17 elan Bayaran Ansuran embayaran ansuran bulanan yang harus dibayar bagi pelan bayaran ansuran anda. 18 Wang endahuluan Sebarang pendahuluan yang dibuat menerusi kaunter atau dari ATM akan dicatatkan. Yuran wang pendahuluan yang berkenaan akan disenaraikan di bawah akaun kad yang berkaitan. 19 Yuran Tahunan Ini adalah yuran perkhidmatan tahunan untuk kad anda. 20 Caj embayaran Lewat Caj ini kan dikenakan ke atas pembayaran lewat atau tiada bayaran atau bayaran yang kurang daripada jumlah minimum yang perlu dibayar dari bulan sebelumnya. 21 Nama emegang Kad Tambahan dan Nombor Akaun Jika anda mempunyai lebih dari satu pemegang kad tambahan, setiap kad akan disenaraikan secara berasingan, disusuli dengan transaksi masing-masing. 22 Transaksi Tempatan Transaksi yang dibuat di Malaysia. 23 Yuran Wang endahuluan Setiap wang pendahuluan adalah tertakluk kepada yuran wang pendahuluan. 24 Caj engurusan Sebenar Caj pengurusan sebenar ini dikenakan ke atas baki wang pendahuluan yang tertunggak, pindahan baki tertunggak dan baki pelan bayaran ansuran yang lain dari tarikh transaksi DAN dikenakan ke atas baki transaksi runcit yang tertunggak selepas tempoh caj pengurusan. 25 Jumlah enggunaan Kredit Baki Akaun termasuk mana-mana pelan bayaran ansuran anda yang belum dibayar. 26 Baki enyata Anda Ini adalah jumlah baki penyata tolak mana-mana pelan bayaran ansuran anda yang belum dibayar. 27 Arahan Tetap Jika anda mempunyai akaun semasa /akaun simpanan dengan kami, anda boleh membayar melalui arahan tetap mengikut peratusan yang anda pilih dari peratusan minimum sebanyak 5% dari baki penyata anda. Tiada caj akan dikenakan untuk servis ini. 28 Butiran elan Bayaran Ansuran Ini menunjukan jumlah pelan bayaran ansuran yang didaftar pada tarikh penyata. 29 Butiran Bayaran Dengan Cek Sila nyatakan jumlah bayaran, nombor cek, nama bank dan komisen (jika ada) dalam ruangan ini. Lampirkan keratan ini bersama cek anda untuk membuat pembayaran.

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