So much more convenient than cash
If you are 18 or over, you can apply for our MasterCard and/or Visa card, as you prefer. The choice is yours. Both cards are accepted in millions of ATMs and retail outlets worldwide.
You may also apply for HSBC Advance. HSBC Advance includes a Credit Card, an International Debit Card and a local Debit Card. Read to know more on HSBC Advance.
So convenient
Our credit cards give you convenience and financial flexibility. So you can make better use of your money, the way you want to.
-
Instant purchasing power at millions of outlets around the world.
-
No need to write cheques or carry cash.
-
Effect payments overseas in any foreign currency, including euro.
-
An agreed credit limit.
-
Shop over the phone.
-
Spread the cost of larger purchases.
-
Separate business and personal spending.
-
Cash withdrawals from cash machines and over the counter at banks worldwide.
-
Itemised monthly statements.
-
Spread your repayments to suit your needs from as little as €12 per month or 5% of balance due, whichever is higher.
Where to go from here
Credit Card Online Application
Change your Credit Card Limit
Additional Credit Card Online Application
General Terms and Conditions for Personal Customers and Small Businesses
Additional Cards Conditions of Use
Card Account Fees
home&Away - Enjoy Discounts
Locally & Worldwide
Why have our cards?
Our credit cards offer many advantages. More than you might think.
-
€21.00 p.a. fee for any MasterCard or VISA card. Pay only €30.00 p.a. if you apply for both MasterCard and Visa card (therefore you will pay a discounted fee of €9 p.a. on the second MasterCard/VISA card).
On a credit card limit of €1,500 and an interest rate of 8.75% the APR will be 10.67% on the first credit card on which the full fee of €21 applies.
On a credit card limit of €1,500 and an interest rate of 8.75% the APR will be 9.78% on the second credit card on which the discounted fee of €9 applies.
The APR is based on the assumption that you spend your credit limit in full on local purchases at the start of the agreement and that you repay it in twelve equal monthly instalments inclusive of interest at the specified rate. Use of the card in a different manner may result in a higher APR.
-
You may also apply for an additional card on any of your MasterCard or VISA Classic card. You will incur no annual card fee on the first additional card.
-
Can be used to pay for goods and services in over 4,000 outlets in Malta and Gozo, as well as in millions of outlets worldwide and on the internet.
-
Up to 56 days interest free credit on purchase transactions.
-
Cash withdrawals from any ATM in Malta and Gozo and also when you are abroad.
-
Security
-
Convenience
