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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 €20,000 credited to your account for a sole customer, or €30,000 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 €150,000 if applying as a sole customer, or a minimum of €250,000 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


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


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


    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).


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