HSBC Advance Visa Platinum Card

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					      Welcome
HSBC Advance Visa Platinum Card
         Cardholder
Extend your shopping pleasure with our Rewards privileges. An array of
exclusive reward items are selected for HSBC Visa Platinum Card
Cardholders or HSBC Advance Visa Platinum Card Cardholder. You can
also choose to offset your spending at merchant outlets with your
RewardCash as every $1 RewardCash is redeemable for HK $1 on your
purchase at participating merchants. Find out more at
www.hsbc.com.hk/rewards.
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The Bank will assign a credit limit to the Card Account which must be strictly observed by the Cardholder. The Cardholder may apply
for a review of his/her assigned credit limit at any time.
The Bank will assign a credit limit to the Card Account which must be strictly observed by the Cardholder. The Cardholder may apply                The Cardholder has the right to request access to and correction of any of the Personal Data. Any request may be made in writing
The Bank may at its sole discretion (but shall not be obliged to):
for a review of his/her assigned credit limit at any time.                                                                                         and addressed to the Data Protection Officer, The Hongkong and Shanghai Banking Corporation Limited, Kowloon Central Post
(a) increase the credit limit from time to time with prior notice to the Cardholder;                                                               The Cardholder has the right to request access to and correction of any of the Personal Data. Any request may be made in writing
The Bank may at its sole discretion (but shall not be obliged to):                                                                                 Office PO Box 72677
(b) as a result of a reasonable assessment of the credit risks associated with the Card Account or the Cardholder based on                         and addressed to the Data Protection Officer, The Hongkong and Shanghai Banking Corporation Limited, Kowloon Central Post
(a) increase the credit limit from time to time with prior notice to the Cardholder;                                                               required to refuse to do so under the applicable law and regulations.
    information available to the Bank, reduce the credit limit to such amount as it thinks fit without prior notice to the Cardholder;             Office PO Box 72677
(b) as a result of a reasonable assessment of the credit risks associated with the Card Account or the Cardholder based on
(c) permit Card Transactions to be effected in excess of the credit limit without prior notice to the Cardholder and the Cardhol der               required to refuse to do so under the applicable law and regulations.
    information available to the Bank, reduce the credit limit to such amount as it thinks fit without prior notice to the Cardholder;
    shall be liable for any related transaction in accordance with the terms of this Agreement.
(c) permit Card Transactions to be effected in excess of the credit limit without prior notice to the Cardholder and the Cardhol der
    shall be liable for any related transaction in accordance with the terms of this Agreement.




   If the Cardholder fails to pay the Bank the whole of the Statement Balance by the Payment Due Date, a finance charge will be applied
   (a) to the unpaid Statement Balance from the Statement Date immediately preceding the said Payment Due Date until payment in full
   and (b) to the amount of each new transaction being posted since the Statement Date immediately preceding the said Payment Due
                                                                                                                      Bank’s “Bank per guide
   Date, from the transaction date until payment in full. The finance charge will accrue daily and be calculated at the interest ratetariffmonth
   for HSBC Retail Banking “Bank tariff guide for HSBC Retail Banking and Wealth Management
   as specified in the Bank’s and Wealth Management Customers” for the time being in force. Customers” for the time being in force.
                                                                                                                      Bank’s “Bank tariff guide
   for HSBC Retail Banking and Wealth Management Customers” for the time being in force.
                                                                                                  and the term




                                                                                      “Bank tariff guide for HSBC Retail Banking and
Wealth Management Customers” avaiable at all branches upon request. If particular services not specified herein are required, other
fees and charges as set out in the Bank’s “Bank tariff guide for HSBC Retail Banking and Wealth Management Customers” may apply.
The Bank reserves the right to alter these Terms and Conditions as well as such amounts, interest rates, percentages or other fees
and charges from time to time and may notify the Cardholder of any such alterations in any manner it thinks fit. The Cardholder will
be bound by such alterations unless the Card is returned to the Bank for cancellation before the date upon which any alteration is to
have effect.
                 November
Effective from 1 March 20122011
      Finance charge: No finance charge will be payable if the payment of the whole of the statement balance is received by the Bank
      on or before the payment due date. If the cardholder fails to pay the Bank the whole of the statement balance by the payment
      due date, a finance charge will be applied (a) to the unpaid statement balance from the statement date immediately preceding
      the said payment due date until payment in full and (b) to the amount of each new transaction being posted since the statement
      date immediately preceding the said payment due date, from the transaction date until payment in full. The finance charge will
      accrue daily and be calculated at the interest rate of 2.50% per month (equivalent to an annualized percentage rate (APR) of up to
      34.46% on purchase and 35.61% on cash advance, inclusive of the handling fee and cash advance fee)*.




Effective from 1 November 2011
Effective from 1 July 2012
Effective from 1 November 2011




Note: In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.
Note: In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.
Queen’s
                                                                                                                                                       Loyalty Discounts ('the Loyalty Discounts') are available to all Cardholders and applicable to redemptions made at RewardCash
   Only holders (‘the Cardholders’) of personal credit cards (including Hong Kong dollar, US dollar, Dual Currency and Renminbi primary and            e-Shop. The Loyalty Discounts apply to the original price of the item.
   additional cards) (’the Card’) issued by The Hongkong and Shanghai Banking Corporation Limited (‘HSBC’) in the Hong Kong Special
   Administrative Region and eligible to participate in the RewardCash Programme (‘the Programme’). Standalone private label card and
   iCAN card cardholders are not eligible for the Programme.                                                                                           The Loyalty Discounts are not applicable to redeeming vouchers, RewardCash Certificate, Instant RewardCash Redemption at
   Cardholders earn $1 RewardCash for every HK$250 spent (excluding cash advances, fees and charges, withdrawal amount under                           Merchants, Octopus Rewards, mileage, credit card annual fee waiver, mileage programme fee waiver and special redemption offers
   the Cash Credit Plan and Cash Credit Instalment Plan, online bill payments to the Inland Revenue Department made by any Cards,                      (as and when available), and cannot be used in conjunction with any other promotional offer or discount (unless otherwise specified).
   and any online bill payments made by Classic or Gold or Dual Currency Credit Card) on a Card. For Cardholders using US dollar or                    HSBC is not responsible for lost, damaged or stolen goods or vouchers redeemed through the RewardCash e-Shop.
   Renminbi Card or Dual Currency Credit Card RMB sub-account, the amount of Card spending required for earning $1 RewardCash
   is US$30 or RMB250 respectively. RewardCash will not be issued on any unposted or cancelled card transaction or any card
   transaction posted but subsequently reversed or refunded in whole or in part thereof, including but not limited to tax refund on
   overseas purchases. HSBC reserves the right to change the RewardCash earning rate upon notice.
3. RewardCash earned with respect to each qualified card transaction will be credited to the Card and odd dollars spent, if any, will be carried
   forward to the next card transaction(s) for the purpose of calculating RewardCash entitlement. Any odd dollars remaining as of a statement
   date will be carried forward to the subsequent statement months for calculating RewardCash entitlement.




    RewardCash are not transferable but may be pooled from the same Cardholder’s various Cards (i.e. Visa, MasterCard, JCB Gold Card,
    Renminbi Gold/ Classic Card, UnionPay Dual Currency Diamond Card/ UnionPay Dual Currency Card) and additional Cards. Pooling of
    RewardCash between primary and additional Cards is not permitted for the Mileage Programme.




                                                                                                                                                                                                6
    Gifts and vouchers redemption from RewardCash e-Shop and participation in RewardCash Certificate Scheme, Instant
    RewardCash Redemption at Merchants, Mileage Programme and Octopus Rewards Conversion Scheme are further subject to
    the terms and conditions applicable thereto.




    In case of discrpancies between the English and the Chinese versions of these terms and conditions, the English version shall prevail.


                                                                                                                                                    D) Instant RewardCash Redemption at Merchants
                                                                                                                                                    1. Holders of personal credit cards issued by HSBC in the Hong Kong Special Administrative Region, except iCAN Cards, JCB Gold or
                                                                                                                                                       Renminbi Credit Cards, are entitled to participate in “Instant RewardCash Redemption at Merchants”.
                                                                                                                                                    2. All outstanding RewardCash accumulated under the same Cardholder’s Cards (including those from the combined additional cards)
    Offers featured in the HSBC Premier Card Exclusive, HSBC Advance Card Exclusive, Visa Platinum Card and UnionPay Dual Currency                     will be pooled and can be redeemed and used for settling the purchases at the participating merchants. Any shortfall in the purchase
    Diamond Credit Card Exclusive and green credit card Exclusive sections of RewardCash e-shop are available exclusively to holders of HSBC           price after deduction of the “RewardCash” must be settled by an HSBC credit card.
    Premier Credit Cards, HSBC Advance Visa Platinum Cards, HSBC Visa Platinum Cards, UnionPay Dual Currency Diamond Credit Cards and               3. Once a redemption order has been processed at participating merchants, RewardCash will be deducted instantly and such
    HSBC green credit cards respectively.                                                                                                              redemption transaction cannot be changed, cancelled or refunded and the redeemed item cannot be refunded or exchanged.
                                                                                                                                                    4. Cardholders may enquire about this programme from merchants or visit www.hsbc.com.hk/rewards for the latest list of
                                                                                                                                                       participating merchants before redemption. HSBC reserves the right to amend the list of participating merchants from time to time.
    HSBC reserves the right to change the items at RewardCash e-Shop from time to time without notice. All items are availabel while stocks last.      HSBC will not be liable for any loss to Cardholders due to changes to the list of participating merchants.
5. Unless otherwise specified, the General Terms and Conditions of the HSBC credit card RewardCash programme apply.
6. HSBC accepts no liability on the goods and services provided by participating merchants.
7. Card acceptance will be subject to respective merchants' company policy. The offers are governed by the terms and conditions
   stipulated by HSBC and the designated merchants.                                                                                                RewardCash can be pooled by the same Cardholder holding different Cards (i.e. Visa, MasterCard, JCB Gold Card, Renminbi Gold/ Classic
8. In case of disputes arising out of “Instant RewardCash Redemption at Merchants”, the decision of HSBC and participating                         Card, UnionPay Dual Currency Diamond Card/ UnionPay Dual Currency Card), or between primary and additional Cards for conversion to
   merchants shall be final.                                                                                                                       Octopus Rewards$.
E
    Cardholders who wish to participate in the Mileage Programme with respect to a participating airline ('the Mileage Programme') must first
    fill in an enrolment form (even if they are already members of the frequent flyer programme(s) of the participating airline(s)), and their
    eligibility and participation in the Mileage Programme will be subject to the conditions and any subsequent change as set out in the
    enrolment form.
    Only Cardholders who are eligible to participate in the RewardCash Programme are eligible to participate in the Mileage Programme
    ('Mileage Programme Cardholders').
    Mileage Programme Cardholders whose credit card accounts are valid and in good standing ('Accounts') will be eligible to transfer their
    RewardCash to a participating airline's frequent flyer programme account.
    Mileage Programme Cardholders agree to pay HSBC an annual fee of HK$300 /US$40 /RMB300 for participating in the Mileage
    Programme. Fees will be debited to any Account held by the Mileage Programme Cardholder with HSBC when due and are not
    refundable.




    RewardCash can be pooled by the same Cardholder holding different Cards (i.e. Visa, MasterCard, JCB Gold Card, Renminbi Gold/ Classic
    Card, UnionPay Dual Currency Diamond Card/ UnionPay Dual Currency Card). No pooling of RewardCash is allowed between promary and
    additional Cards for transfer to a participating airline’s frequent flyer programme account.




    Airline participation in the Mileage Programme is subject to change upon notice.
    Participation of respective HSBC credit card, private label, co-branded and affinity card cardholders in the Mileage Programme is at
    the discretion of HSBC.


F




    Only Cardholders who are eligible to participate in the Octopus Rewards programme are eligible to participate in the Scheme by completing an
    enrolment form for the Scheme provided by HSBC.
Terms and Conditions for the Credit Card Interest-free
Instalment Plan
1  Only the cardholder (“Cardholder”) of a credit card issued by The Hongkong and Shanghai Banking Corporation Limited
   (“the Bank”), except US$ Visa Gold Card/RMB Credit Card/JCB Gold Card/Private Label Card and Corporate/Business/
   Purchasing Card (“Card”), will be eligible for the credit card interest-free instalment plan (“Instalment Plan”) which will be
   available for purchase from designated vendors (each a “vendor”) of goods or services as may be accepted by such vendors
   and the Bank from time to time.
2 All instalment amounts paid are not refundable. All goods or services purchased under the Instalment Plan may not be
   exchanged or returned or traded in and the amount of each instalment and the instalment period of the Instalment Plan as
   approved by the Bank may not (except as permitted under paragraph 4 below) be varied. The Bank is authorised to continue
   to debit the Cardholder’s Card account in accordance with these Terms and Conditions despite any agreement between the
   Cardholder and the vendor being contrary to any of the above.
3 The amount of each instalment will be debited to the Cardholder’s Card account on a monthly basis and will be included as
   a transaction appearing on the statement to be sent to the Cardholder in relation to the Card account. Save where expressly
   provided herein, each instalment amount shall be treated in the same way as a transaction charged to the Card account and
   shall be paid by the Cardholder in the same manner.
4 The Cardholder may at any time repay to the Bank the sum of all instalments then remaining outstanding under the
   Instalment Plan by cheque or other means of payment acceptable to the Bank. If the cardholder’s credit card is cancelled or
   terminated at any time during the instalment period, the sum of all instalments then remaining outstanding under the
   Instalment Plan shall become immediately due and payable by the Cardholder.
5 The credit limit assigned to the Cardholder’s Card account will be reduced by the total amount of the instalments upon the
   Instalment Plan being approved by the Bank and will only be restored as each instalment amount is paid and to the extent
   of the instalment amount actually received by the Bank.
6 The Bank accepts no responsibility in any way for any goods or services purchased under the Instalment Plan and any
   dispute relating to the same should be resolved by the Cardholder directly with the vendor. No claim by the Cardholder
   against the vendor will relieve the Cardholder from his/her obligation to repay the monthly instalments and other
   obligations to the Bank hereunder.
7 Unless otherwise provided herein, the Bank’s Credit Card Cardholder Agreement (“Cardholder Agreement”) shall apply to
   payments under the Instalment Plan as if each instalment amount were a transaction charged or to be charged to the
   Cardholder’s Card account. In the event of any conflict between these Terms and Conditions and the Cardholder Agreement,
   the former shall prevail to the extent that the same relates to matters involving payments under the Instalment Plan.
8 The Bank reserves the right to alter these Terms and Conditions from time to time and may notify the Cardholder of such
   alterations in any manner it thinks fit (including display at the Bank’s branches). The Cardholder will be bound by such
   alterations unless the sum of all instalments then remaining outstanding under the Instalment Plan is settled in full before
   the date upon which any such alteration is to have effect.
9 This application of the Instalment Plan is subject to the available balance in and credit limit available to the Cardholder’s
   Card account and to acceptance by the Bank.
10 For any purchase order of goods or services that have been placed with the vendor under this Instalment Plan, the order is
   irrevocable and no order details can be altered.
11 These Terms and Conditions will be governed by and construed in accordance with the laws of the Hong Kong Special
   Administrative Region.

 Effective from 30 September 2011

Note : In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.
                                                          Adv/eWP/0712/E
Issued by The Hongkong and Shanghai Corporation Limited

				
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posted:10/15/2012
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