HSBC Visa Signature Credit Card
HSBC

HSBC Visa Signature Credit Card Calculator

Best for: High-income earners with concentrated spending in one category who want automatic reward optimization

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Dining Restaurant and dining spending
HKD
0.4% HKD 0
Overseas & Mainland Spending Foreign currency transactions
HKD
0.4% HKD 0
Lifestyle Fitness, cinemas, entertainment, travel, wellness, transportation
HKD
0.4% HKD 0
Home Supermarkets, furniture, electronics, telecom, pet care
HKD
0.4% HKD 0
Shopping Department stores, bookstores, fashion, beauty, wellness
HKD
0.4% HKD 0
Other Spending All other spending (always 0.4% base rate)
HKD
0.4% HKD 0
Calculator based on official terms Rates may change. Always verify with your bank before applying.
View Official Terms

The HSBC Visa Signature card offers 5X RewardCash (2.4% equivalent) on ONE selected category, with 0.4% on all other spending. The calculator automatically shows your highest-spending category at the 5X rate. Important: The 5X rate is capped at HK$100,000 annual spending (HK$2,000 max extra RewardCash per year). Categories include Dining, Overseas/Mainland, Lifestyle, Home, and Shopping.

Advantages

  • 2.4% cashback on your selected category
  • Five category options to choose from
  • Premium Visa Signature benefits
  • Good for concentrated spending patterns
  • Flexible redemption options

Considerations

  • Only 0.4% on non-selected categories (very low)
  • HK$100,000 annual cap on 5X spending
  • Requires HK$240,000 minimum annual income
  • Must pre-select category (can't change mid-month)
  • Poor value if spending is spread across categories
Annual Fee: HK$2000 Min. Income: HK$240000/year