Frequently Asked Questions (FAQs) on Credit Cards

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Frequently Asked Questions (FAQs) on Credit Cards"

Transcription

1 Frequently Asked Questions (FAQs) on Credit Cards 1. Which HSBC Credit Cards can I apply for? HSBC Credit Cards have been designed to complement your lifestyle. We currently offer credit cards which extend a host of offers ranging from travel privileges to dining, shopping and more. Please visit the credit cards section on our website for details on the various credit cards we offer, product features, benefits and the eligibility criteria. 2. What documentation do I need to provide when applying for an HSBC Credit Card? Self-attested recent passport size photograph of the applicant Self-attested copy of a valid photo identity document (please refer to the list below for details) Self-attested copy of your residence address proof (please refer to the list below for details) Self-attested copy of the latest salary slip or income tax returns or Form 16 Please note that the original documents need to be originally sighted and verified by a bank official. KYC Documents Proof of Identity (any one) Passport Election/Voter s ID Permanent driving licence Permanent Account Number (PAN) card Aadhaar card National Rural Employment Guarantee Act (NREGA) job card Proof of Address (any one) Passport Election/Voter s ID Permanent driving licence Society outgoing bill (only from registered societies) Electricity/Water/Telephone bill Gas bill (pipeline connection only) Property tax bill Domicile certificate with address issued by Municipal Corporation Registered rent/lease agreement (registered with state government or similar registration authority) Government employee ID card Defence ID card Aadhaar card National Rural Employment Guarantee Act (NREGA) job card If the address on the document submitted as Proof of Identity (PI) by you is the same as that declared by you in the Account Opeing Form (AOF)/Card Application Form (CAF), the document may be accepted as a valid proof of both identity and address. If the address indicated on the document submitted for PI differs from the address mentioned in the AOF/CAF, a separate Proof of Address is required. 3. How do I apply for an HSBC Credit Card? To apply for an HSBC Credit Card you can: Visit the credit card section on our website Simply click the Apply Now icon to initiate your application or Call our HSBC PhoneBanking numbers and we will arrange for a representative to visit you or Visit the nearest HSBC branch in India 4. I have applied for an HSBC Credit Card, how can I check on the status of this? You will receive timely alerts on the credit card application status by way of an SMS on the mobile number stated on your application form. Alternatively, you may also check the status of your application by calling our PhoneBanking number in your city. 5. How long does it take to receive an HSBC Credit Card? Once we have received your application form complete in all respects along with all the required documents, your application will be processed within two weeks. You will receive your new credit card in 7 working days, once your application is approved. The Bank will send you timely alerts on the credit card application status by way of an SMS on the mobile number stated on your application form. 6. How can I check the status of my credit card consignment? Once your credit card is dispatched, you will receive the dispatch details by way of an SMS on your mobile number registered with us. You can track the status of the shipment using the Airway Bill on the courier s website. BLUE DART - Bluedart.com DHL - Dhl.com If you need any further assistance, please call our PhoneBanking number.

2 7. I have not received my card statement? Your credit card statement is couriered to your mailing address and the Airway Bill number (courier reference # ) would have been sent by way of an SMS. The Bank also sends out statements by to your personal address registered on the Bank s record. Customers who have self-registered for Internet Banking service, can view and download their credit card statement online; just visit the Internet Banking section on our website In case you need any further assistance, please call our PhoneBanking service. 8. How do I register for e-statements? Step 1: Log onto HSBC s Internet Banking. Step 2: Set up a one-time request by clicking on the Request e-statements/e-advice option in the Main Menu. Step 3: We will send you a secure mail and an SMS alert informing you when your e-statement is ready. Please note that the statements will be held on your HSBC Internet Banking account for 11 months for cards and 15 months for bank accounts. You may download these statements onto your computer, if you want to store them for a longer period. 9. Can I use my HSBC Credit Card as soon as I receive it? All Chip cards are sent in a deactivated state and need to be activated. If a card has been sent to you in a deactivated state, the same will be indicated by a sticker on the card sent to you. You may activate the card in any of the following ways: Use your ATM PIN to activate the card on an HSBC ATM Perform a PIN based transaction Call HSBC India PhoneBanking 10. How can I change my PIN? You can change your PIN at an HSBC ATM in India and Overseas. 11. What fees and charges are linked to the credit card? HSBC offers various credit cards to suit your needs. The fees and charges for each credit card may differ. You can visit to view the fees and charges for the various credit cards we offer. 12. How many additional cards can I request for on my credit card? You can apply for upto 3 additional (add-on) cards in addition to the primary card. The add-on cards can be issued to immediate family members. The credit limit assigned to the primary card is shared between the primary and the add-on Cardholders and the primary Cardholder is responsible for the payment of outstanding against these cards. 13. How can I apply for additional card(s)? You can fill the add-on card request form (available on our website under applications) and submit it across the counter at an HSBC branch along with mandatory documents listed in the application. Please carry your original documentation for validation by the Branch Officer. 14. Is there a rewards programme linked to my credit card? HSBC offers various credit cards to suit your needs. The rewards programme for each credit card may differ. You can visit cards/rewards to view the ongoing rewards programme for the various credit cards we offer. 15. How long are my reward points valid? Classic and Gold Reward point expiry will follow a rolling expiry system with a reward point validity period of 2 years, reward points earned during the 1st year of card membership, if not redeemed, will expire at the end of the 2nd year of card membership, reward points earned during the 2nd year of card membership, if not redeemed, will expire at the end of the 3rd year and so on. The 1st year of card membership begins from the date of credit card issuance. For instance, for a credit card issued on 10 March 2011, the reward points earned from 10 March 2011 to 10 March 2012, if unredeemed will expire on 31 March Platinum, Premier and Signature Reward point expiry will follow a rolling expiry system with a reward points validity period of 3 years, reward points earned during the 1st year of card membership, if not redeemed, will expire at the end of the 3rd year of card membership, reward points earned during the 2nd year of card membership, if not redeemed, will expire at the end of the 4th year and so on. The 1st year of card membership begins from the date of credit card issuance. For instance, for a credit card issued on 10 March 2011, the reward points earned from 10 March 2011 to 10 March 2012, if unredeemed will expire on 31 March How do I redeem my reward points? You can redeem these points for a range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles and donation to charities. Please visit the credit cards - rewards programme section on our website to view all the redemption options. To redeem your reward points, use any of the below options: You can access the online credit card rewards catalogue on Please note, you need to have registered for

3 Internet Banking ID to be able to redeem your points online You can download the rewards redemption form from our website and mail it to HSBC Card Products Division, Post Bag No. 5080, Chennai You can call our PhoneBanking number and request a redemption on the IVR or by speaking with a PhoneBanking Officer 17. Where can I see the offers available on my HSBC Credit Card? You can visit the special offers and discounts section within the credit card section on our website to view the current offers on your credit card. 18. What is the CVV number? The CVV Number (Card Verification Value) on your credit card or debit card is a 3-digit number on Visa and MasterCard credit and debit cards. The CVV should not be disclosed to any person other than the Cardholder. Your CVV number can be located by looking on your credit or debit card, as illustrated in the image below: 19. What is the interest free credit period on the HSBC Credit Card? Interest free credit period is provided upto 52 days. Please note that the interest free credit period is not valid, if any balance of the previous month s bill is outstanding or in the event of making part/minimum outstanding payment. 20. How are finance and late charges calculated? You can refer to the most important terms and conditions sent along with your credit card to view the charges applicable and the calculation for the same for your credit card. Alternatively, you can visit the credit card section on our website for the said details. 21. Will I be charged anything extra if I use my card overseas? Your cards are internationally valid cards and there is no extra charge for usage at the Point of Sale. You will be charged a transaction fee for cash withdrawal of `100 at overseas ATMs. 22. How can I make payments on my credit card account? Here are some easy ways to pay your HSBC Credit Card bill: National Electronic Funds Transfer (NEFT) Make a payment towards your HSBC Credit Card account via National Electronic Fund Transfer (NEFT), mentioning the complete 16-digit HSBC Credit Card number. The IFSC code for HSBC is HSBC Drop-boxes Drop your draft/cheque at your nearest Skypak or MINC drop-boxes Visit: for an exhaustive list of the Skypak and MINC drop-boxes Mail cheque/draft Mail your cheque/draft to your nearest HSBC branch. Log onto to view a list of our branches Standing Instructions (Option available for HSBC bank accountholders only) Issue standing instructions to debit your HSBC Savings/Current account Internet Banking (Option available for HSBC bank accountholders only) Pay online by logging onto HSBC Personal Internet Banking Over the counter Pay by cash or cheque at any HSBC branch in India. A Cash Payment Charge of `100, or any other sum as may be decided from time to time, will be levied for HSBC Credit Card bill payments made in cash at HSBC branches and drop-boxes PhoneBanking (Option available for HSBC bank accountholders only) Make a PIN verified call and make your payment over the phone Through ATMs Deposit cash or cheque at any HSBC ATM in India. You could also make an ATM funds transfer Electronic Clearing System (ECS) (Option available in select cities only) Authorise HSBC to debit an account that you hold with any other bank You can call our PhoneBanking Officers for more details on any of the above payment channels. You can also visit our website What is the minimum monthly repayment on my HSBC Credit Card? Your monthly payment should cover at least the minimum amount due. Minimum Payment Due (MPD) is the sum of 5% of the total payment due and the greater of the past due amount and overlimit amount (if any). For e.g. i.e. MPD = 5% of total payment due + greater of (past due; overlimit amount) + Equated Monthly Instalment* (EMI) amounts due (if any).

4 24. How long does it take for a cheque payment to clear on my credit card? Your cheque payment deposited will take 3 working days to reflect in your card account. 25. What do I do if I have lost my HSBC Credit Card? In the event that you lose your credit card, please: Report the loss to HSBC PhoneBanking or to the Visa Global Emergency Assistance Helplines immediately Request replacement at HSBC PhoneBanking/Branch/Internet Banking File a police report for the lost/stolen HSBC Credit Card Please confirm the loss in writing to, The Manager, Credit Cards, Post Box No. 5080, Chennai If you recover your HSBC Credit Card after you have reported its loss, please do not attempt to use it. Instead, please destroy the HSBC Credit Card by cutting it into several pieces and report the same to HSBC. 26. How do I register for Internet Banking? Registering for HSBC s Internet Banking service is a simple one-time activity. Self-register with any one of the combinations below: Your 10-digit Personal Banking Number (PBN), and your 6-digit PhoneBanking PIN; or Your credit card number and credit card ATM PIN; or Your ATM card number and ATM PIN; or Your debit card number and debit card PIN. Please note, you should have activated your ATM/debit card by using it at an HSBC ATM at least once 27. How do I set up a direct debit to pay my credit card account? You will need to visit the nearest HSBC bank branch to set up a direct pay instruction from your HSBC account. 28. What do I do if my HSBC Credit Card is damaged? Please call HSBC PhoneBanking number or send a secured message (by logging onto Internet Banking) to replace the credit card. 29. Will I automatically receive a new HSBC Credit Card, if my existing credit card is about to expire? Yes, you will receive a new HSBC Credit Card 2-3 weeks prior to expiry of the credit card. 30. How can I decrease my credit limit? You can call HSBC PhoneBanking or send a secured message (by logging onto Internet Banking) to request for a decrease in limit on your credit card. This is subject to the minimum limits set by HSBC on your credit card. 31. How can I increase my credit limit? You can apply for an increase in credit limit by filling up the Credit Limit Enhancement Form available under the Application Forms section of our website You are also requested to submit necessary documents with the credit limit enhancement form. In such case, HSBC request you for financial documents and may at its sole discretion, increase the credit limit post necessary credit checks. 32. Can I use my HSBC Credit Card at an ATM to withdraw cash? You will be able to withdraw cash at an ATM, provided the withdrawal amount is within your cash withdrawal limit. Cash withdrawal limit is communicated to you at the time of delivery of the card and is also indicated in your monthly card statement. You can visit guide tariff sheets to view the fees and charges for cash withdrawal on your card. 33. How can I close my HSBC Credit Card account? You can exercise any of the following options to initiate closure of your HSBC Credit Card: Login to HSBC Internet Banking with your user ID and password and submit your request You can also call HSBC PhoneBanking and register a card closure request Alternatively, can submit a written request at any HSBC branch Please remember to cut your card into pieces across the Chip and magnetic stripe, post-submission of your closure request. 34. How do I query a transaction on my credit card statement? You can exercise any of the following options for transaction query on your HSBC Credit Card: Login to HSBC Internet Banking with your user ID and password and submit your request by sending us a secured You can also call HSBC PhoneBanking 35. What should I do if I suspect, there has been fraudulent activity on my credit card? In the event, you suspect fraudulent activity on your card, please immediately: Notify the Bank. Please call our PhoneBanking numbers Block the card Request for a replacement Please the completed customer dispute form (please refer to our website under application forms) and the relevant documents to to HSBC at /mail the documents to Charge Back Section, Credit Card

5 Division, Post Box No. 5080, Chennai Please refer guide and most important terms and conditions to view the claims process for the relevant card. 36. How do I change my personal details? You may update your contact number/ ID by logging onto HSBC Internet Banking or by calling our PhoneBanking numbers. 37. How do I make an HSBC Credit Card insurance claim? Please contact the toll free number of ICICI Lombard, to register the claim visit Icicilombard.com You are also required to file a police report for the lost/stolen HSBC Credit Card and send a copy of the acknowledged police report directly to ICICI Lombard General Insurance Company Ltd. to enable them to process the insurance claim. The following documents are required to file the claim with ICICI Lombard General Insurance Company Ltd. Counterfeit Claim form duly filled and signed by customer/by bank (on behalf of the customer) Card copy Recent 3 months card statement Copy of dispute letter given by customer to bank - verified by bank Copy of incident report by bank Complete passport copy (all 36 pages) - Attested by gazetted officer/verified by bank - If fraud happened in international location Copy of sales slips for the fraud transactions - If fraud happened in India If claim amount >1 lakh, Anti Money Laundering (AML) Documents - Notarised/Attested by gazetted officer (PAN Card copy, Address proof, 2 passport colour photos of claimant)* NEFT mandate form duly filled in by the claimant and verified by bank - original (for direct fund transfer)* Cancelled cheque - original (for direct fund transfer)* Lost Card Liability Claim form duly filled and signed by customer/by bank (on behalf of the customer) Copy of FIR at loss location - Attested by gazetted officer/verified by bank Recent 3 months card statement Copy of dispute letter given by customer to bank - verified by bank Copy of incident report given by bank Complete passport copy - Attested by gazetted officer/verified by bank If claim amount >1 lakh, Anti Money Laundering Documents - Notarised/Attested by Gazetted Officer (PAN Card copy, Address proof, 2 passport colour photos of claimant)* NEFT mandate form duly filled in by the claimant and verified by bank - original (for direct fund transfer)* Cancelled cheque - original (for direct fund transfer)* Online Fraud Protection Claim form duly filled and signed by customer/by bank (on behalf of the customer) Card copy Recent 3 months card statement FIR Report - Notarised/attested by a gazetted officer Copy of dispute letter given by customer to bank - verified by bank Incident report given by bank Complete passport copy - attested by gazetted officer/verified by bank - If fraud happened in international location If claim amount >1 lakh, Anti Money Laundering documents - Notarised/Attested by gazetted officer (PAN Card copy, Address proof, 2 passport colour photos of claimant)* NEFT mandate form duly filled in by the claimant and verified by bank - original (for direct fund transfer)* Cancelled cheque - original (for direct fund transfer)* Purchase Protection Claim form duly filled and signed by customer Card copy Copy of FIR - Attested by gazetted officer/verified by bank Card Statement showing purchase details of the item lost Incident letter by the customer Proof of purchase bill: Original If claim amount >1 lakh, Anti Money Laundering documents - Attested by gazetted officer (PAN Card copy, Address proof, 2 passport colour photos of claimant)* NEFT mandate form duly filled in by the claimant and verified by bank - original (for direct fund transfer)* Cancelled cheque - original (for direct fund transfer)* *Documents need not to be provided when the claim amount is being paid to bank.

6 38. I can t remember my ATM PIN, what should I do? You can request for a new PIN in any of the following ways: Call our PhoneBanking numbers Send a secured message after logging into Internet Banking Visit the branch to place the request The ATM PIN will be dispatched to your mailing address within 7 working days of placing the request. 39. I can t remember my PhoneBanking PIN, what should I do? You can re-generate the PhoneBanking PIN by calling our HSBC PhoneBanking number. Please keep your ATM PIN handy to generate the new telephone PIN. Follow the IVR to generate the new telephone PIN yourself. You can alternatively speak to our service advisors who will be eager to assist you with the telephone PIN. 40. How can I stop a recurrent credit card transaction? The recurring debit may originate from a debit mandate that you may have given to a merchant establishment. Please approach the same merchant to cancel the recurring debit instruction. 41. What is Balance transfer on EMI? Balance transfer on EMI is a feature that allows you to transfer the outstanding balance from your other credit cards to your HSBC Credit Card and repay in easy monthly instalments. 42. How does Balance transfer on EMI benefit me? This feature allows you to transfer other bank credit card outstanding dues for repayment at lower interest rates, hence, saving your interest costs that may have been applicable on the other card, in case of part payment. 43. How do I know if I am eligible and whom do I contact for such a facility? You may call up our PhoneBanking services for checking your eligibility. 44. What is the minimum amount that can be transferred from any other bank card? The minimum amount that can be transferred from any other bank credit card account to the Cardholder s HSBC Credit Card is `3, What is the maximum amount that can be transferred from any other bank card? The maximum amount that can be transferred from other bank credit cards to the Cardholder s HSBC Credit Card is upto 90% of the credit limit on the Cardholder s HSBC Credit Card subject to available balance as on the date of approval of the Cardholder s application. If the amount to be transferred to the HSBC Credit Card exceeds 90% of the credit limit on the date of acceptance by HSBC, HSBC will not be able to process the request and the same will be intimated to you. HSBC will transfer the amount by way of a demand draft sent to your mailing address or directly to the other bank through electronic transfer. 46. What is the tenure for which I can avail such a facility? You have the option of various tenures viz. 6 months, 12 months, 18 months and 24 months. 47. Can I transfer balance from more than one credit cards? The Cardholder can transfer outstanding balance from one or more select other bank credit cards under the same or different balance transfer options, within his credit limit. However, the customer cannot transfer such balance from his/her other HSBC Credit Card. 48. What is the rate of interest that I will be charged? The interest rate chargeable depends on the type of card you hold and the plan you choose. The interest rates ranging from 15% p.a. to 19.8% p.a. There is also a one time processing fee ranging from 1% to 2%. For more details you can call HSBC PhoneBanking number or visit How will my credit card limit be affected? Balance transfer transaction will block the available credit limit on the Cardholder s credit card upto the amount of balance transfer-on-emi availed including applicable charges and Service Tax. 50. What happens when I have applied for multiple balance transfers across various options? In the event, a Cardholder transfers different amounts under different balance transfer options, the repayment will be allocated to the balance transfers in decreasing order of the interest rates i.e. the repayment will be apportioned first to the highest interest balance transfer for the Cardholder. In case a Cardholder has availed of two or more separate balance transfers of the same tenure, the repayment will be allocated in the same sequence that the balance transfers have been applied for. 51. Do I have the option to pre close such facility? Pre-payment charges on foreclosure of Balance transfer facility will not apply.

7 52. What if I close my card account while the EMI is being serviced? If the Cardholder closes his card before all applicable EMIs are posted to the card account, the outstanding Balance transfer-on-emi amount will be debited to the card account as one consolidated amount which will be due for payment. 53. What is Cash-on-EMI? The Cash-on-EMI facility allows the Cardholder to avail the cash advance facility on his/her HSBC Credit Card and repay the same in Equated Monthly Instalments (EMIs). 54. How does it benefit me? This facility allows you to avail a cash advance facility without any documentation and also save your interest costs. 55. How do I know if I am eligible and whom do I contact for such a facility? You may call up our PhoneBanking services for checking your eligibility. 56. What is the minimum amount that can be availed under this facility? The minimum amount eligible for the Cash-on-EMI facility will be `5,000 subject to eligibility. 57. What is the maximum amount that can be availed from any other bank card? The maximum amount that can be offered is upto 90% of the credit limit on the Cardholder s HSBC Credit Card subject to available balance as on the date of approval of the Cardholder s application. If the outstanding balance on the HSBC Credit Card exceeds 90% of the credit limit on the date of acceptance by HSBC, HSBC will not be able to process the request and the same will be intimated to the customer. 58. What is the tenure for which I can avail such a loan? You have the option of various tenures viz. 6 months, 12 months, 18 months and 24 months. 59. What is the rate of interest that I will be charged? The interest rate chargeable ranges from 15% p.a. to 21% p.a. There is also a one time processing fee ranging from 2% to 3% applicable on the amount of Cash-on-EMI. For more details, you can visit or call HSBC PhoneBanking number. 60. How will my credit card limit be affected? The credit limit on the card account will be reduced to the extent of the principal amount of the Cash-on-EMI availed including applicable charges and Service Tax. The limit will be released as and when EMIs are billed and paid for in the subsequent months. 61. What if I close my card account while the EMI is being serviced? If the Cardholder closes his card before all applicable EMIs are posted to the card account, the outstanding Cash-on-EMI amount will be debited to the card account as one consolidated amount which will be due for payment. 62. Do I have the option to pre close such facility? Yes, you have an option to pre close such facility. A prepayment charge will apply at the rate of 3% on the outstanding amount of the loan, subject to a minimum of ` What is Loan On Phone? Loan On Phone (LOP) is a facility by which the Cardholder can make purchases on the HSBC Credit Card and then convert the purchase amount into instalments. The Cardholder can make the purchase at any merchant establishment and post purchase, get the transaction converted into an LOP within 15 calendar days of the purchase transaction. 64. How does it benefit me? This facility allows you to avail your recent purchase transaction into Equated Monthly Instalments (EMIs). 65. How do I know if I am eligible and whom do I contact for such a facility? You may call up our PhoneBanking services for checking your eligibility. 66. What is the minimum amount that can be availed under this facility? The value of the transaction should be greater than `2,000 to be eligible for conversion to a Loan On Phone. Other debit transactions like cash withdrawals and card fees will not be eligible for this facility. 67. What is the tenure for which I can avail such a loan? You have the option of various tenures viz. 6 months, 12 months, 18 months and 24 months. 68. What is the rate of interest that I will be charged? The interest rate chargeable depends on the type of card you hold and the plan. The interest rates range from 18% p.a. to

8 23.88% p.a. In addition, there is a one time processing fees ranging from 2% to 5% applicable. For more details please contact HSBC PhoneBanking numbers. 69. What if I close my card account while the EMI is being serviced? If the Cardholder closes his card before all applicable EMIs which are posted to the card account, the outstanding Loan On Phone amount will be debited to the card account as one consolidated amount. 70. Do I have the option to pre close such a facility? Yes, you can certainly pre close Loan On Phone facility. Prepayment charges on foreclosure will apply at the rate of 3% on the outstanding amount of the loan, subject to a minimum of ` What is balance conversion? In balance conversion, the Cardholder can convert the retail outstanding balance on HSBC Credit Card, due to HSBC, either billed or unbilled by request, into EMIs. 72. How does it benefit me? This facility allows you to convert your outstanding balance into Equated Monthly Instalments (EMIs). 73. How do I know if I am eligible and whom do I contact for such a facility? You may call up our PhoneBanking services for checking your eligibility. 74. What is the minimum amount that can be availed under this facility? Minimum amount that you may convert into EMI should be greater than `5, What is the tenure for which I can avail such a loan? You have the option of various tenures viz. 3 months, 6 months and 12 months. 76. What is the rate of interest that I will be charged? The interest rate chargeable are as follows: 3 months - 0% interest and 3% processing fees. 6 months - 0% interest and 5% processing fees. 12 months - 15% interest and 2% processing fees. 77. What is Instant EMI? Instant EMI facility by which the Cardholder can convert his/her purchases into Equated Monthly Instalments at the Point of Sale, while purchasing a product at select merchant outlets. 78. How does it benefit me? This facility allows you to pay in Equated Monthly Instalment (EMI) for your purchase at the Point of Sale only at select merchant outlets. 79. What is the minimum amount that can be availed under this facility? The minimum amount that you may convert into EMI should be greater than `2, What is the tenure for which I can avail such a loan? You have the option of various tenures viz. 3 months, 6 months,12 months and 18 months. The tenure options may vary across different merchants, which will be communicated to you at the time of purchase. 81. What is the processing fee that I will be charged? The processing fee, if charged, may vary depending on the merchants. The same will be clearly communicated at the time of the transaction. 82. What if I close my card account while the EMI is being serviced? If the Cardholder closes his card before all applicable EMIs which are posted to the card account, the outstanding amount will be debited to the card account as one consolidated amount. The Cardholder will have to ensure that the outstanding is paid in full to ensure complete closure of the card. 83. Do I have the option to pre close such a facility? Yes, the Prepayment charges on foreclosure will apply at the rate of 3% on the outstanding amount of the loan, subject to a minimum of `250. CC_FAQ_04/15 Issued by The Hongkong and Shanghai Banking Corporation Limited, India. Incorporated in Hong Kong SAR with limited liability.

IMPORTANT TERMS AND CONDITIONS To get the complete version, please visit www.hsbc.co.in

IMPORTANT TERMS AND CONDITIONS To get the complete version, please visit www.hsbc.co.in IMPORTANT TERMS AND CONDITIONS To get the complete version, please visit www.hsbc.co.in 1. FEES AND CHARGES a) Annual membership fees The HSBC Advance Platinum Credit Card is offered based on an HSBC Advance

More information

Security enhancement on HSBC India Debit Card

Security enhancement on HSBC India Debit Card Security enhancement on HSBC India Debit Card A Secure Debit Card HSBC India Debit Cards are more secure and enabled with the Chip and PIN technology. In addition to this you can restrict usage of the

More information

IMPORTANT TERMS AND CONDITIONS To get the complete version, please visit www.hsbc.co.in 1. FEES AND CHARGES a) Annual Membership fees Annual

IMPORTANT TERMS AND CONDITIONS To get the complete version, please visit www.hsbc.co.in 1. FEES AND CHARGES a) Annual Membership fees Annual IMPORTANT TERMS AND CONDITIONS To get the complete version, please visit www.hsbc.co.in 1. FEES AND CHARGES a) Annual Membership fees Annual Membership fees are applicable on the primary and add-on credit

More information

FAQ on EMV Chip Debit Card and Online Usage

FAQ on EMV Chip Debit Card and Online Usage FAQ on EMV Chip Debit Card and Online Usage Security enhancement on HSBC India Debit Card A Secure Debit Card HSBC India Debit Cards are more secure and enabled with the Chip and PIN technology? You can

More information

CorpBank International Credit Card

CorpBank International Credit Card CorpBank International Credit Card INDEX Item Page No. KNOW YOUR CARD 1 Safety tips for using your Card 2 Using your card 3 Features 4 Monthly Statements 7 Paying your Credit Card Bill 7 Lost / Stolen

More information

Hang Seng Commercial Card Benefits Directory

Hang Seng Commercial Card Benefits Directory Contents 1. Important Points to Remember 2. Customer Privileges Better Business Expense Management Financial Flexibility Superior Privileges Membership Rewards Programme Comprehensive Protection 3. Payment

More information

User Guide for HSBC Premier Credit Card

User Guide for HSBC Premier Credit Card User Guide for HSBC Premier Credit Card Buenos Aires - Argentina 34 S Thank you for choosing HSBC Premier Credit Card! With services that include Global acceptance in over 24 million merchants, a fabulous

More information

Platinum Credit Card from HSBC and MakeMyTrip

Platinum Credit Card from HSBC and MakeMyTrip Platinum Credit Card from HSBC and MakeMyTrip For details on (BCSBI), please refer page no. 72 of this book. Key Things You Should Know 1. Platinum Credit Cards from HSBC and MakeMyTrip have been designed

More information

Frequently Asked Questions (FAQ) on HSBC Chip Credit Cards

Frequently Asked Questions (FAQ) on HSBC Chip Credit Cards Frequently Asked Questions (FAQ) on HSBC Chip Credit Cards Cards issued by The HongKong and Shanghai Banking Corporation Limited, India (HSBC) 1. What is EMV Chip Card? EMV (Europay MasterCard Visa) is

More information

HSBC Basic Savings Bank Deposit Account Opening Form - Corporate Employee Program

HSBC Basic Savings Bank Deposit Account Opening Form - Corporate Employee Program HSBC Basic Savings Bank Deposit Account Opening Form - Corporate Employee Program Key things you should know New Accountholders (Residents only) HSBC Basic Savings Bank Deposit Account (BSBDA) makes it

More information

Hang Seng Credit Card Benefits Directory

Hang Seng Credit Card Benefits Directory Hang Seng Credit Card Benefits Directory Content 1. Important Points to Remember Page 1 2. Customer Privileges - Hang Seng Credit Card Rewards Programme Page 2 - Online Shopping Security Page 3 - Greater

More information

HERE S TO FAMILY, FRIENDS AND LIFE S SIMPLE PLEASURES

HERE S TO FAMILY, FRIENDS AND LIFE S SIMPLE PLEASURES HERE S TO FAMILY, FRIENDS AND LIFE S SIMPLE PLEASURES Table of Contents HSBC Advance Platinum Credit Card Service Guide... 6 HSBC Advance Platinum Credit Card Terms and Conditions and Tariff Sheet...

More information

Platinum Credit Card

Platinum Credit Card Platinum Credit Card For details on (BCSBI), please refer to page no. 68 of this book. Key Things You Should Know 1. HSBC Platinum Credit Card have been designed to complement your lifestyle. Our products

More information

Hang Seng enjoy Card Benefits Directory

Hang Seng enjoy Card Benefits Directory Hang Seng enjoy Card Benefits Directory Content Important Points to Remember Page 1 Customer Privileges - Hang Seng enjoy Card Rewards Programme Page 2 - Online Shopping Security Page 4 - Maximum Financial

More information

Changes to your Bank of Queensland Credit Card

Changes to your Bank of Queensland Credit Card Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional

More information

Signature Credit Card from HSBC and MakeMyTrip

Signature Credit Card from HSBC and MakeMyTrip Signature Credit Card from HSBC and MakeMyTrip For details on (BCSBI), please refer to page no. 69 of this book. Key Things You Should Know 1. Signature Credit Cards from HSBC and MakeMyTrip have been

More information

Most Important Terms and Conditions for Personal Loan

Most Important Terms and Conditions for Personal Loan Most Important Terms and Conditions for Personal Loan Key things you should know The maximum loan amount that can be availed of under this offer is `15 lakh. Select customers may be eligible for loans

More information

HSBC India Debit Card for Personal Banking and Basic Savings Bank Deposit Account (BSBDA) Service Guide

HSBC India Debit Card for Personal Banking and Basic Savings Bank Deposit Account (BSBDA) Service Guide HSBC India Debit Card for Personal Banking and Basic Savings Bank Deposit Account (BSBDA) Service Guide The new face of cash . Dear Customer, Welcome to the world of The Hongkong and Shanghai Banking Corporation

More information

ANZ Credit Card Frequently Asked Questions

ANZ Credit Card Frequently Asked Questions ANZ Credit Card Frequently Asked Questions January 2013 CARD FEATURES What are the main features of the new ANZ Credit Card? features including, up to 45 days interest free, acceptance at over 30 million

More information

SELF - MADE MILLIONAIReS NEVER MAKE IT ALL BY THEMSELVES

SELF - MADE MILLIONAIReS NEVER MAKE IT ALL BY THEMSELVES SELF - MADE MILLIONAIReS NEVER MAKE IT ALL BY THEMSELVES Welcome to the new Advance Key things you should know 1. HSBC Advance brings you a range of features that includes: Access to HSBC Advance Wealth

More information

Yes, your card will expire at a given date, which is printed on the front of your card.

Yes, your card will expire at a given date, which is printed on the front of your card. What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be

More information

Key Things You Should Know

Key Things You Should Know Classic Credit Card For details on (BCSBI), please refer to page no. 66 of this book. Key Things You Should Know 1. HSBC Classic Credit Card is globally valid and have been designed to complement your

More information

HSBC Advance Tariff Schedule

HSBC Advance Tariff Schedule HSBC Advance Tariff Schedule (Applicable to Resident and Non-Resident Customers) HSBC Advance Eligibility Criteria w.e.f. 1 April 2015 HSBC Advance Total Relationship Balance (TRB) criteria: Maintain a

More information

BNZ Advantage Credit Card Terms and Conditions.

BNZ Advantage Credit Card Terms and Conditions. BNZ Advantage Credit Card Terms and Conditions. 1 May 2015 This document contains the terms and conditions that apply to BNZ Advantage credit card accounts operated by you, including the terms and conditions

More information

ANZ EFTPOS card and ANZ Visa Debit card

ANZ EFTPOS card and ANZ Visa Debit card ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

We focus on the most important economy in the world. Yours.

We focus on the most important economy in the world. Yours. We focus on the most important economy in the world. Yours. Dear Credit Cardholder, Thank you for selecting the Credit Card (Card) issued by The Hongkong and Shanghai Banking Corporation Limited, India

More information

INDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04

INDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04 INDEX Please click on a section title to go to the respective page WELCOME ON BOARD... 04 KEY BENEFITS... 05» SAVINGS ON FUEL PURCHASES... 08» EARN FUEL WITH PAYBACK POINTS...08» EXPERIENCE ENTERTAINMENT...

More information

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards FAQs FOR CREDIT CARDS FAQs for Credit Cards Card basics 03 Managing your credit limit 03 Using your card 04 Paying your bills 05 If there are problems 06 Fees & charges 06 Other benefits 06 02 1. Card

More information

HSBC CREDIT CARD APPLICATION FORM

HSBC CREDIT CARD APPLICATION FORM To: The Hongkong and Shanghai Banking Corporation Limited, Macau Branch Branch Please return the completed application form together with support documents to any HSBC branch Date day / month / year HSBC

More information

Credit Card FAQ. PUBLIC Updated on 15Dec2014 Page 1 of 8

Credit Card FAQ. PUBLIC Updated on 15Dec2014 Page 1 of 8 1. What can I do with an HSBC credit card? With HSBC credit card, you can: Purchase goods and services with your HSBC credit card in Vietnam and when you are traveling overseas at 30 million retailers

More information

ICICI Bank Canada Student GIC Program Guide Complete Steps

ICICI Bank Canada Student GIC Program Guide Complete Steps ICICI Bank Canada Student GIC Program Guide Complete Steps This program guide outlines the details of the ICICI Bank Canada Student GIC Program, effective October, 2015. Unless otherwise stated, all fees

More information

TERMS AND CONDITIONS FOR THE ICICI BANK INDIAN RUPEE TRAVEL CARD

TERMS AND CONDITIONS FOR THE ICICI BANK INDIAN RUPEE TRAVEL CARD TERMS AND CONDITIONS FOR THE ICICI BANK INDIAN RUPEE TRAVEL CARD The following terms and conditions ( Terms and Conditions ) apply to the ICICI Bank Travel Card facility provided by ICICI Bank. For your

More information

CREDIT CARD CARDHOLDER AGREEMENT

CREDIT CARD CARDHOLDER AGREEMENT CREDIT CARD CARDHOLDER AGREEMENT (This Agreement applies to Visa Platinum, Visa Gold, Visa Classic or other cards issued by HSBC) IMPORTANT! Before you use your Card, please read this Agreement carefully.

More information

Hang Seng enjoy Commercial Card / Business Card Benefits Directory

Hang Seng enjoy Commercial Card / Business Card Benefits Directory Hang Seng enjoy Commercial Card / Business Card Benefits Directory Contents Important Points to Remember Page 1 Customer Privileges - Hang Seng enjoy Card Rewards Programme Page 2 - Online Shopping Security

More information

Hang Seng Commercial Card / Corporate Card Benefits Directory

Hang Seng Commercial Card / Corporate Card Benefits Directory Contents Hang Seng Commercial Card / Corporate Card 1. Important Points to Remember 2. Customer Privileges Better Business Expense Management Financial Flexibility Superior Privileges Hang Seng Credit

More information

Credit Cards CARD TRANSACTIONS AND YOU. Credit Cards. A consumer education programme by:

Credit Cards CARD TRANSACTIONS AND YOU. Credit Cards. A consumer education programme by: Credit Cards CARD TRANSACTIONS AND YOU Credit Cards A consumer education programme by: CONTENTS 1 Introduction 2 What is a credit card and how it works Applying for a credit card 3 Application process

More information

DEBIT CARD POLICY. 1. Debit Card

DEBIT CARD POLICY. 1. Debit Card DEBIT CARD POLICY 1. Debit Card A debit card is a plastic card that provides the cardholder electronic access to his/her bank account(s). It is an instrument that can be used to: Avail of banking services

More information

The Hong Kong Jockey Club Membership MasterCard Benefits Directory

The Hong Kong Jockey Club Membership MasterCard Benefits Directory The Hong Kong Jockey Club Membership MasterCard Benefits Directory 中 文 版 Content 1. Important Points to Remember Page 1 2. Member Privileges - The Hong Kong Jockey Club Membership Card Rewards Programme

More information

Arab Bank Cards User Guide

Arab Bank Cards User Guide Arab Bank Cards User Guide 4600900 arabbank.jo A card to suit every lifestyle Coming to you from the largest Arab banking network, Arab Bank Cards entitle you to a host of benefits designed to offer you

More information

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns.

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns. Citibank Rewards Program Terms & Conditions This Citibank Rewards Program Terms and Conditions governs the entitlement of Citibank Credit Card customers and Debit & ATM Cardholders (including those issued

More information

Rewards Catalogue. Let your credit card work for you

Rewards Catalogue. Let your credit card work for you Rewards Catalogue Let your credit card work for you DEAR VALUED CUSTOMER, HSBC welcomes you to its Rewards Programme, a unique way to gain access to a wide range of exclusive rewards & enrich your experiences.

More information

WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014

WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014 WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014 Important note This booklet does not contain all the pre-contractual information we are required by law to give you before the

More information

PAYROLL CARD FREQUENTLY ASKED QUESTIONS

PAYROLL CARD FREQUENTLY ASKED QUESTIONS The following document provides answers to frequently asked questions regarding the Umpqua Bank Payroll Card. Contact Customer Care at 800-650-7141 with questions. Card Basics Q. How does the Payroll Card

More information

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand HSBC Premier Debit Card User Guide 13 N Bangkok, Thailand Congratulations on receiving the HSBC Premier Debit Card for access to your HSBC account. Enjoy the convenience of shopping online, over the phone

More information

Pima Federal Visa Credit Cards Frequently Asked Questions (FAQs)

Pima Federal Visa Credit Cards Frequently Asked Questions (FAQs) Pima Federal Visa Credit Cards Frequently Asked Questions (FAQs) (Effective May 2013) APPLICATION PROCESS Q: Who can apply for a Pima Federal Visa Credit Card? A: Any member of Pima Federal is eligible

More information

HSBC Savings/Current Account Tariff Schedule (Senior Citizens)

HSBC Savings/Current Account Tariff Schedule (Senior Citizens) HSBC Savings/Current Account Tariff Schedule (Senior Citizens) (Please be advised that applicable Indirect Taxes including Service Tax would be recovered on all our fees and charges and any other amount

More information

Card Standard Account Fees

Card Standard Account Fees Card Standard Account Fees Credit cards Card fees MasterCard or VISA Classic 21.00 p.a. Visa and MasterCard when taken together Additional Cards First additional card Second and subsequent additional card.

More information

your guide to your new BOQ Credit Card

your guide to your new BOQ Credit Card your guide to your new BOQ Credit Card Contents A card that you will love 1 Getting started 2 Flexible banking at your fingertips 3 Platinum Visa card 4 Blue Visa card 6 Low Rate Visa card 7 BOQ Rewards

More information

Flexibility to choose, power to change

Flexibility to choose, power to change Flexibility to choose, power to change HSBC s 30 Day Service Pledge for Home Loan You can change your mind on the loan within 30 days. At no charge. We understand that important decisions need more time.

More information

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough

More information

Macquarie Credit Cards

Macquarie Credit Cards Macquarie Credit Cards Conditions Of Use EFFECTIVE NOVEMBER 2015 Important note: This booklet does not contain all the pre-contractual information we are required by law to give you before the agreement

More information

Select Account. The essential guide to your new account

Select Account. The essential guide to your new account Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well

More information

ICICI BANK PLATINUM CHIP CREDIT CARD

ICICI BANK PLATINUM CHIP CREDIT CARD ICICI BANK PLATINUM CHIP CREDIT CARD MEMBERSHIP GUID GUIDE INDEX Please click on a section title to go to the respective page WELCOME ON BOARD...02 ENJOY A WORLD OF BENEFITS... 03» EARN REWARDS EVERYTIME

More information

Credit Card - How your ANZ Credit Card works

Credit Card - How your ANZ Credit Card works anz.com/vietnam Item No. SPB004 DATE 01.2013 ANZ Signature Priority Banking Visa Platinum Credit Card - How your ANZ Credit Card works How your ANZ Credit Card works 01/2013 1 2 1-2 ANZ credit cards fulfil

More information

BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide

BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD User Guide Table of Contents Page No Welcome 2 Know your Visa Classic Debit Card 3 Important Information 4 Keeping your Visa Card safe

More information

BANK OF CHINA MACAU BRANCH. BOC Multi-currency UnionPay Credit Card. User Guide

BANK OF CHINA MACAU BRANCH. BOC Multi-currency UnionPay Credit Card. User Guide BANK OF CHINA MACAU BRANCH BOC Multi-currency UnionPay Credit Card User Guide Contents Page 1. Activate the card, set the Inquiry Password and the Cash Advance and Transaction Password.. 1 2. Security

More information

Vishwa Yatra Foreign Travel Card (VYFTC)

Vishwa Yatra Foreign Travel Card (VYFTC) Vishwa Yatra Foreign Travel Card (VYFTC) Eligibility Features The card can be issued to: any bonafide citizen of India who plans to travel abroad except Nepal and Bhutan. Corporates for their employees

More information

User Guide for HSBC Debit Card

User Guide for HSBC Debit Card User Guide for HSBC Debit Card Thank you for choosing HSBC Debit Card. You now have a debit card that allows you to access your funds, anywhere and anytime, with greater convenience than ever before. You

More information

Card Conditions of Use

Card Conditions of Use Card Conditions of Use The use of all Credit and Debit cards issued by HSBC Bank Malta p.l.c. including MasterCard Card/VISA Card/Quikcash Card, International Debit Cards & PINs are governed at all times

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and

ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and Forex Travel Card FAQs: What is ING Vysya Bank Forex Travel Card? ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and convenient way to meet all

More information

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week ^Visa Zero Liability subject to investigation of unauthorised

More information

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC.

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. 2. This Terms & Conditions for HSBC Rewards Programme

More information

User Guide for HSBC Premier Debit Card

User Guide for HSBC Premier Debit Card User Guide for 28 N HCMC, Vietnam Thank you for choosing HSBC Premier Visa Debit Card! As a Premier cardholder, not only can you access your money from anywhere in the world, but you'll also enjoy special

More information

Visa Debit Card User Guide

Visa Debit Card User Guide Summit Bank Plaza: 10th Floor, Plot # 8/C-1, Mumtaz Hasan Road, Off I.I. Chundrigar Road, Karachi, Pakistan UAN: +92 21 111 124 725 Toll Free: 0800 24252 / 0800 24365 Overseas: +92 21 32463516 4585 3900

More information

PIN reset. Al Rajhi Bank is always looking forward to support his customers by providing them the

PIN reset. Al Rajhi Bank is always looking forward to support his customers by providing them the Content Subject Page 1 PIN reset 3 1 - a Log in to Al Mubasher (online banking) 4 1 - b Insert the received OTP 4 1 - c Choose PIN 5 1 - d Choose PIN RESET 5 1 - e Choose the required card to be PIN reseted

More information

ATM Card user s guide

ATM Card user s guide ATM Card user s guide Contents Page 1 Welcome to a world of added convenience 1 2 Extra convenience with your ATM Card 2 2.1 For your day-to-day banking needs 2 Access to cash and more by automated teller

More information

Service Charges Basic Banking Services. All charges are inclusive of Service Tax. Individuals

Service Charges Basic Banking Services. All charges are inclusive of Service Tax. Individuals No Nature of services All charges are inclusive of Service Tax. Individuals (Pensioners/Individuals in Rural areas) 1 Cheque book facility MICR `3.00 per cheque leaf `3.00 per cheque leaf Non MICR `2.00

More information

YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD

YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD your card As soon as your Rewards MasterCard arrives make sure you sign it straight away. If you applied online you ll also need to activate your card by

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

The Hang Seng Mobile Payment - FAQs

The Hang Seng Mobile Payment - FAQs The Hang Seng Mobile Payment - FAQs A. Introduction to the Service B. Application Requirements C. About the Passcode for the Hang Seng Mobile Payment App D. About Application / Download / Re-activation

More information

ANNEXURE. List of accounts and applicability of service tax

ANNEXURE. List of accounts and applicability of service tax ANNEXURE List of accounts and applicability of service tax 1 Description Likely to be taxed PLB 1. Unclaimed account service charges (system generated) 2. Unclaimed closed accounts cashier order return

More information

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection Terms and Conditions Issued May 2016 DAVID JONES STORECARD AND DAVID JONES

More information

SyndicateBank Global Credit Cards EXTRA Power in your purse

SyndicateBank Global Credit Cards EXTRA Power in your purse SyndicateBank Global Credit Cards EXTRA Power in your purse SyndicateBank Global Credit Card (SBGCC) - a payment product of great value and convenience, is offered to you NOW FREE FOR LIFE (No entrance

More information

Bank means Arab Bank PLC - Qatar and /or its branches

Bank means Arab Bank PLC - Qatar and /or its branches Arab Bank Credit Cards Travel Rewards Program Terms & Conditions Qatar The terms and conditions related to Arab Bank Credit Cards Travel Rewards Program should be read in conjunction with the Terms and

More information

BNZ Business First Visa Card

BNZ Business First Visa Card BUSINESS FIRST VISA CARD Helpful information about BNZ Business First Visa Card Putting your Business First BNZ Business First Visa card is the smart way to manage your day to day business expenses. It

More information

Secure Online Payment Verified by Visa and MasterCard SecureCode

Secure Online Payment Verified by Visa and MasterCard SecureCode Secure Online Payment Verified by Visa and MasterCard SecureCode WHAT ARE THEY? HSBC's Verified by Visa and MasterCard SecureCode is the secure online payment services to provide you with extra security

More information

ANZ Credit Card Rewards Programme Terms and Conditions

ANZ Credit Card Rewards Programme Terms and Conditions ANZ Credit Card Rewards Programme Terms and Conditions Participation 1. The ANZ Credit Card Rewards Programme is open to Principal Cardmembers of the ANZ Signature Priority Banking Credit Card, ANZ Platinum

More information

8. 4 BookMyShow e-vouchers on 1 transaction of Rs. 1000 for select Kotak Signature Credit Cardholders

8. 4 BookMyShow e-vouchers on 1 transaction of Rs. 1000 for select Kotak Signature Credit Cardholders Kotak Offers Terms & Conditions 1. 2 BookMyShow WinPins on minimum 3 transactions with Royale credit card (18 th to 20 th September 2015) 2. 5% Cashback on Fuel for select Urbane Credit Cardholders (5

More information

Standard Chartered 360 Rewards Programme

Standard Chartered 360 Rewards Programme Standard Chartered 360 Rewards Programme 1. The programme at a glance 1.1 You can earn 360 Rewards Points (also referred to as points throughout these terms) under this 360 Rewards programme when you use

More information

BNZ credit card terms and conditions.

BNZ credit card terms and conditions. BNZ credit card terms and conditions. 11 September 2015 Important Information for new credit card customers When you first enter into your credit card contract with us, we are required to give you certain

More information

HSBC Advance Account Opening Application

HSBC Advance Account Opening Application HSBC Advance Account Opening Application To The Manager,... Office The Hongkong and Shanghai Banking Corporation Limited Sri Lanka FOR BANK USE ONLY D D M M Y Y Y Y Note : 1. Please complete in Block Letters

More information

BANK OF CHINA MACAU BRANCH. BOC Multi-currency UnionPay Credit Card. User Guide

BANK OF CHINA MACAU BRANCH. BOC Multi-currency UnionPay Credit Card. User Guide BANK OF CHINA MACAU BRANCH BOC Multi-currency UnionPay Credit Card User Guide Contents Page 1. Activate the card, set the Inquiry Password and the Cash Advance and Transaction Password.. 1 2. Security

More information

Get the double power of cashback and reward points on fuel purchases.

Get the double power of cashback and reward points on fuel purchases. ICICI Bank HPCL Credit Card Get the double power of cashback and reward points on fuel purchases. Please click on a section title to go to the respective page WELCOME ON BOARD...03 KEY BENEFITS...05» SAVINGS

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 9 DECEMBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

Frequently Asked Questions Najm Visa Platinum Credit Card

Frequently Asked Questions Najm Visa Platinum Credit Card Frequently Asked Questions Najm Visa Platinum Credit Card Table of Contents PremiumRewards... 1 Earning PremiumRewards... 4 Redeeming PremiumRewards... 5 Najm Visa Platinum Credit Card... 9 Platinum Benefits:...

More information

Best safe and secure practices

Best safe and secure practices Best safe and secure practices For cards transactions BANKOMAT DEF 3 MNO 6 CLEAR - CANCEL x WXY 9 ENTER O BANKOMAT Maintaining the card and PIN number Using a card is highly valuable and provides opportunities

More information

Hang Seng Bank Limited. PPL871 X-Card CUP Important Note (01/2016) (LT) PDF

Hang Seng Bank Limited. PPL871 X-Card CUP Important Note (01/2016) (LT) PDF Hang Seng Hang Seng Platinum Card / Credit Card / 1. Applicant(s) must be Hong Kong residents and be at least 18 years of age with minimum annual income of HK$150,000 or above (except Full-time student).

More information

For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account.

For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account. Cashback Plus Terms 1. Introduction Cashback Plus is operated on behalf of us, National Westminster Bank Plc by Sports Loyalty Card Limited (trading as Reward), a private company incorporated in England

More information

Reload Mobile Money FAQs 1. Buying a Reload card. Activation of a Reload account

Reload Mobile Money FAQs 1. Buying a Reload card. Activation of a Reload account Reload Mobile Money FAQs 1. What is Reload Mobile Money and Visa Card? Reload is a prepaid Mobile Money account that is activated using your cellular phone number and giving you access to your funds via

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Bendigo Rewards. Terms & Conditions. 21 December 2015. www.bendigobank.com.au

Bendigo Rewards. Terms & Conditions. 21 December 2015. www.bendigobank.com.au Bendigo Rewards. Terms & Conditions. 21 December 2015 www.bendigobank.com.au Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone 1300 BENDIGO (1300 236 344) ABN 11 068 049 178.

More information

Words importing only the singular shall include the plural and vice versa.

Words importing only the singular shall include the plural and vice versa. GENERAL TERMS AND CONDITIONS FOR DEBIT CARD 1. PHRASING Words importing only the singular shall include the plural and vice versa. Where the Account is a Joint Account, reference to single customer shall

More information

HSBC Premier Application Form

HSBC Premier Application Form July 2015 HSBC Premier Application Form Copyright. HSBC Bank Middle East Limited 2015 ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on

More information

The sensible. to bank accounts for seasonal employees. Introducing the Barclaycard Wage Card brought to you by Concordia

The sensible. to bank accounts for seasonal employees. Introducing the Barclaycard Wage Card brought to you by Concordia The sensible alternative to bank accounts for seasonal employees Introducing the Barclaycard Wage Card brought to you by Concordia 2 An easier way to pay your seasonal employees Many of our growers have

More information

Guide to Heritage Credit Card Products

Guide to Heritage Credit Card Products Guide to Heritage Credit Card Products Effective 1 June 2015 Talk to us today. 2 Guide to Heritage Credit Card Products Contents Introduction... 8 Welcome to Heritage... 8 About this Guide... 8 We re here

More information

SCHEDULE OF TARIFFS AND CHARGES

SCHEDULE OF TARIFFS AND CHARGES SCHEDULE OF TARIFFS AND CHARGES HSBC Premier, HSBC Advance and Personal Banking Personal Account Account Opening fees Free Free Free Minimum Balance Current Accounts* OMR 200 OMR 200 OMR 200 Minimum Balance

More information

HSBC Renminbi Business Credit Card Programme Agreement

HSBC Renminbi Business Credit Card Programme Agreement HSBC Renminbi Business Credit Card Programme Agreement The following terms and conditions govern (a) the use by a Cardholder of a Business Card being an HSBC Renminbi Business Credit Card (a Card ) issued

More information