Top of main content

Take a closer look

Compare interest rates, benefits and rewards

At a glance

Credit is subject to status, affordability and applicable terms and conditions.

Enjoy a range of benefits when using your card at home or abroad, including exclusive discounts on 1000s of brands and the opportunity to earn cash rewards with our loyalty points program

Annual fee

Free to HSBC Advance customers

Can you apply?

Quick check

You can check the full eligibility criteria later

  • For new and existing Advance customers

  • Must be a Maltese resident or hold a residency card (in case of Foreigners)

  • Over 18

  • Have an HSBC Account into which you have been paying your income/salary for a minimum period of six months

  • Minimum net annual income of €25,000 credited to your account for a sole customer, or €35,000 joint net annual income if applying jointly with a partner or spouse

    You may also apply if you have a new or existing mortgage with HSBC Bank Malta p.l.c. equivalent to a minimum of €200,000 if applying as a sole customer, or a minimum of €300,000 as a joint customer with a spouse or partner*

  • Graduates who have obtained a minimum of MQF level 6, can enjoy all the benefits of HSBC Advance, free of charge, for a period of 3 consecutive years (or for the duration of your personal loan taken with HSBC Bank Malta p.l.c. whilst such eligibility is applicable), as long as the application is processed within 5 years from the achievement of certification*

    *Customers’ salary must be credited to their HSBC Malta p.l.c. account to qualify

Benefits

Additional benefits

Terms and conditions apply

  • Use our mobile alerts to keep up to date with the activity on your credit card

  • Cash withdrawals from ATMs and over the counter at banks worldwide

  • Up to 56 days interest free credit as per HSBC Card Condition of Use

  • Any liability on your credit card, up to a maximum of €6,000, will be repaid, in the unforeseen event of your death

  • Exclusive Visa Platinum card benefits

Rewards

Terms & conditions apply

  • HSBC home&Away - Get discounts on dining, travel, shopping and more

  • Premium Hotel Benefits for Visa Cardholders

  • A simpler way to redeem your loyalty points. We will give you €20 cashback in your card account with every 5,000 points earned

Representative example

  • 8.7% APR (variable)

  • Annual Rate
    8.25% (variable)
    (5.75% p.a. over Bank's Base Rate)

  • Based on assumed credit limit of €1,000

  • No annual fee

What's next?

Please read the full product information before you apply

Notes

    Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT 1444). HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking in terms of the Banking Act (Cap.371 of the Laws of Malta). HSBC is licensed to conduct investment services in terms of the Investment Services Act (Cap.370. of the Laws of Malta) and is enrolled as a Tied Insurance Intermediary for HSBC Life Assurance (Malta) Ltd under the Insurance Distribution Act (Cap. 487 of the Laws of Malta).

    Disclaimer

    The Site is primarily intended for those who access it from within Malta. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries and regions, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Malta.

    Listening to what you have to say about our services matters to us.