Credit card system upgrade | Credit cards

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Credit card system upgrade instructions

HSBC Taiwan Credit Card System upgrade instructions

Dear HSBC cardholders:

We'll be upgrading our credit card system in 1st Quarter of 2024 to enhance our services in Taiwan. Once the new system goes live, all credit limits on your HSBC credit cards will be combined for shared use. We'll also be introducing a new Internet Credit Card Service and an upgraded card security system.

The launch date of the new system will be announced on our website in the coming months.

Shared credit limit

Multiple HSBC credit card limits are shared, while billing remains independent, offering you maximum flexibility for card usage and payments.

Integration with digital services

The new Internet Credit Card Service consolidates existing digital services, allowing you to easily manage credit card functions.

Security upgrade for internet credit card and voice services

Your HSBC credit cards will have better card security after our system upgrade.

Service interruption period

During the system upgrade period, certain services will be temporarily unavailable. Please refer to the service interruption for further information.

Frequently asked questions

We're here to answer your questions!

Flexible card spending and convenient point redemption

Download Transcript click here download new card system transcript This link will open in a new window

Easy credit limit sharing and consumption with one card

Our system upgrade will combine the credit limits of all your HSBC credit cards to give you greater flexibility in managing your card spending and enjoying card benefits.

You can make purchases via shared credits with HSBC Cashback Signature Credit Card or Cashback Business Titanium Credit Card to accumulate cashback points more easily, which can be used to offset your bill payments. If you hold an HSBC Traveller's Card, you can earn travel points that can be exchanged for miles with multiple airlines more quickly, and enjoy benefits such as airport transfers, airport lounges and travel insurance if eligible.

From now on, you can apply for different HSBC credit cards based on your spending habits and the benefits you want to enjoy. You can flexibly use your cashback points or travel points.

Once our new system has launched, Xiao Feng's total credit limit of credit card will become TWD250,000, which can be shared by these two credit cards. If Xiao Feng applies for other HSBC credit cards in the future, he can enjoy access to the combined credit limit of TWD250,000 on his new cards without providing financial proof. He can use his different cards for spending to enjoy various benefits and perks as needed.
Cardholder	Before the launch of new system	limit	Card status	After the launch of new system
Xiao Feng	1. Cashback Business Titanium Credit Card 2. Cashback Signature Credit Card	1. TWD150,000 2. TWD100,000	1. Valid card 2. Valid card	The combined credit limit is TWD250,000

Once our new system has launched, Xiao Feng's total credit limit of credit card will become TWD250,000, which can be shared by these two credit cards. If Xiao Feng applies for other HSBC credit cards in the future, he can enjoy access to the combined credit limit of TWD250,000 on his new cards without providing financial proof. He can use his different cards for spending to enjoy various benefits and perks as needed.
Cardholder	Xiao Feng
Before the launch of new system	1. Cashback Business Titanium Credit Card 2. Cashback Signature Credit Card
limit	1. TWD150,000 2. TWD100,000
Card status	1. Valid card 2. Valid card
After the launch of new system	The combined credit limit is TWD250,000

Xiao Fu has the Cashback Signature Credit Card (with a credit limit of TWD120,000), the Cashback Business Titanium Credit Card (with a credit limit of TWD180,000) and a deactivated Visa Gold Card (originally with a credit limit of TWD100,000 and an outstanding revolving balance of TWD50,000). When combined, Xiao Fu's total credit limit is TWD300,000, but given that the Visa Gold Card is deactivated with an outstanding revolving balance of TWD50,000, the available credit limit is TWD250,000.
Cardholder	Before the launch of new system	Credit limit	Card status	After the launch of new system
Xiao Fu	1. Cashback Signature Credit Card 2. Cashback Business Titanium Credit Card 3. Visa Gold Card	1. TWD120,000 2. TWD180,000 3. Deactivated card	1. Valid card 2. Valid card 3. Deactivated card but with an outstanding revolving balance of TWD50,000	Since the Visa Gold Card has been deactivated before the launch of the new system, its credit limits will not be combined and the shared credit limit is TWD300,000. However, the an outstanding revolving balance of TWD50,000 of the Visa Gold Card will be deducted from the shared credit limit available.

Xiao Fu has the Cashback Signature Credit Card (with a credit limit of TWD120,000), the Cashback Business Titanium Credit Card (with a credit limit of TWD180,000) and a deactivated Visa Gold Card (originally with a credit limit of TWD100,000 and an outstanding revolving balance of TWD50,000). When combined, Xiao Fu's total credit limit is TWD300,000, but given that the Visa Gold Card is deactivated with an outstanding revolving balance of TWD50,000, the available credit limit is TWD250,000.
Cardholder	Xiao Fu
Before the launch of new system	1. Cashback Signature Credit Card 2. Cashback Business Titanium Credit Card 3. Visa Gold Card
Credit limit	1. TWD120,000 2. TWD180,000 3. Deactivated card
Card status	1. Valid card 2. Valid card 3. Deactivated card but with an outstanding revolving balance of TWD50,000
After the launch of new system	Since the Visa Gold Card has been deactivated before the launch of the new system, its credit limits will not be combined and the shared credit limit is TWD300,000. However, the an outstanding revolving balance of TWD50,000 of the Visa Gold Card will be deducted from the shared credit limit available.

*Your available credit limit will be determined by deducting the total spent amount/outstanding balance of all credit cards under your name from the credit limit at the time of the credit card transaction.

Starting from the launch date of the new system, if you have two or more valid primary credit cards with our bank, they will be combined, sharing the same credit limit (including primary cards reported lost within the two months prior to the new system launch date). Additionally, primary and supplementary cards will jointly share the same credit limit. For example, if Cardholder A has the Cashback Signature Card, and the Cashback Business Titanium Credit Card with credit limits of TWD150,000 and TWD200,000 respectively, and each card has one supplementary cardholder, after the new system launch date (including that day), Cardholder A’s combined credit limit will be TWD350,000, and the two supplementary cardholders will share the same credit limit of TWD350,000 with the primary cardholder.
A valid credit card is defined as: excluding bad credit, card suspension, non-renewal upon expiration, bad debts, etc., subject to the Bank's determination.
For credit cards that have been successfully upgraded or switched before the launch date of the new system, regardless of whether the new card has been activated or not, the credit limit of the old card before the upgrade or conversion will not be merged.
Cards that can combine credit limits do not include corporate cards and Gold Business Cards.
After the new system goes online on the base date (including the day), the bank will adopt the following rules to consolidate credit card credit limit and available balance: if you hold more than two credit cards and one of them is deactivated, the deactivated credit card limit will not be combined into the credit card in the limit. However, if there is an unpaid payment on a deactivated or valid credit card, the unpaid payment will occupy the available balance of the credit card credit limit, and the available balance can only be released after payment. Examples are as follows:
1. The valid credit cards held by cardholder B are the CashBack Signature Card(with a limit of TWD120,000), the Cashback Business Titanium Credit Card (with a limit of TWD180,000), and a deactivated Visa Gold Card (The original amount is TWD100,000 and TWD50,000 is still being paid in revolving). Cardholder B's combined credit limit is TWD300,000. However, as there is still TWD50,000 in revolving for deactivated Visa Gold card, the available balance is TWD 250,000.
2. Cardholder C holds a valid credit card that is a CashBack Signature Card(with a limit of TWD50,000), and has a deactivated Traveller's Light Card (with a limit of TWD80,000 of which TWD60,000 is in unpaid accounts), cardholder C’s credit limit is still TWD50,000, but because the disabled Traveler Light Travel Card still has TWD60,000 in unpaid accounts, the cardholder C's credit card has no available balance, and the available balance can only be released when the unpaid account is less than TWD50,000.
The available credit limit refers to the amount of credit card (including the supplementary card) under your name that can be used, that is, your credit limit deducts the part that has not been paid. For example: Your credit card credit limit is TWD300,000, and there are unpaid TWD50,000 normal purchase and TWD 50,000 installment principal in the previous bill. You have another unbilled TWD150,000 new purchase, thus the available credit limit is now TWD50,000.
If you hold two or more credit cards of the Bank, and one of the cards is in the period of temporarily increasing the credit limit (hereinafter referred to as the "temporary adjustment period"), the temporary adjustment limit will still exist after the new system goes online on the base date (including the day) until the end of the interim period. Examples are as follows:
Cardholder D holds a cash rebate HSBC Cashback Signature Credit Card and Cashback Business Titanium Credit Card before the date of the launch of the new system, and the original credit limit of the credit card is TWD50,000 respectively. Cardholders apply for a temporary credit limit increase to TWD120,000 on December 1, 2023 for the Cashback Signature Credit Card. The period is from December 1, 2023 to February 10, 2024. From December 1, 2023 to the date of the launch of the new system, cardholder D can use Cashback Signature Credit Card up to a temporary Limit of TWD120,000 and a credit limit of TWD50,000 for the Cashback Business Titanium Card. The combined credit limit of cardholder D is TWD100,000. Both credit cards under cardholder D’s name can jointly use a total combined credit limit of TWD120,000 until February 10th, 2024. Starting from February 11th, 2024, the credit limit will revert to TWD100,000.
After the date of the new system going live (including that day), the displayed credit limit on the bill will represent the combined credit limit. Combining credit limits for multiple credit cards does not affect bill processing. The bank will still produce separate bills for each card type, and you can choose payment amounts separately based on your financial planning for different card types. The billing delivery method is also unaffected.
The responsibility of the guarantor remains within the maximum credit limit as per the credit card guarantee agreement, and is not affected by the combined credit limits.

Improved calculation in reward point expiry

The expiry dates for reward points will now be calculated separately on a rolling basis, giving you with more flexibility in point accumulation.

Before upgrade - all points will be reset to zero on the expiry date regardless of each consumption/earning date
After upgrade - points will expire based on the date those points are earned

Xiao Feng’s Traveller's Card is approved on 31 October 2023 with statement cycle on 15th each month. Xiao Feng earns 1,000 points after making a purchase on 2 January 2024, and 2,000 points after a purchase on 5 October 2025.

Before the upgrade - expire after 3-year validity, calculating from the date of card approval

Xiao Feng's travel points earned before the expiry date, including 1,000 points (from the purchase on 2 January 2024), and 2,000 points (from the purchase on 5 October 2025), would all expire on 31 October 2026.
Card type	Card approval date	Validity	Date of consumption	Points earned	Point expiry date
Traveller's Card	2023/10/31	3 years	2024/1/2	1,000 points	2026/10/31
Traveller's Card	2023/10/31	3 years	2025/10/5	2,000 points	2026/10/31

Xiao Feng's travel points earned before the expiry date, including 1,000 points (from the purchase on 2 January 2024), and 2,000 points (from the purchase on 5 October 2025), would all expire on 31 October 2026.
Card type	Traveller's Card
Card approval date	2023/10/31
Validity	3 years
Date of consumption	2024/1/2
Points earned	1,000 points
Point expiry date	2026/10/31

Card type	Traveller's Card
Card approval date	2023/10/31
Validity	3 years
Date of consumption	2025/10/5
Points earned	2,000 points
Point expiry date	2026/10/31

After the upgrade - expire by the end of month after 3-year validity, calculating from the payment due date after purchase

Xiao Feng's 1,000 points will expire on 31 January 2027, and the 2,000 points will expire on 31 October 2028.
Card type	Statement cycle	Validity	Date of consumption	Points earned	Point expiry date
Traveller's Card	15th of each month	3 years	2024/1/2	1,000 points	2027/1/31
Traveller's Card	15th of each month	3 years	2025/10/5	2,000 points	2028/10/31

Xiao Feng's 1,000 points will expire on 31 January 2027, and the 2,000 points will expire on 31 October 2028.
Card type	Traveller's Card
Statement cycle	15th of each month
Validity	3 years
Date of consumption	2024/1/2
Points earned	1,000 points
Point expiry date	2027/1/31

Card type	Traveller's Card
Statement cycle	15th of each month
Validity	3 years
Date of consumption	2025/10/5
Points earned	2,000 points
Point expiry date	2028/10/31

Xiao Feng's Cashback Business Titanium Credit Card is approved on 31 October 2023 with payment due on day 15 of each month. Xiao Feng earns 1,000 points after making a purchase on 2 January 2024, and 2,000 points after a purchase on 5 October 2025.

Before the upgrade - expire after 2-year validity, calculating from the date of card approval

Xiao Feng's travel points earned before the expiry date, including 1,000 points (from the purchase on 2 January 2024), and 2,000 points (from the purchase on 5 October 2025), would all expire on 31 October 2025.
Card type	Statement cycle	Validity	Date of consumption	Points earned	Point expiry date
Cashback Business Titanium Credit Card	15th of each month	2 years	2024/1/2	1,000 points	2025/10/31
Cashback Business Titanium Credit Card	15th of each month	2 years	2025/10/5	2,000 points	2025/10/31

Xiao Feng's travel points earned before the expiry date, including 1,000 points (from the purchase on 2 January 2024), and 2,000 points (from the purchase on 5 October 2025), would all expire on 31 October 2025.
Card type	Cashback Business Titanium Credit Card
Statement cycle	15th of each month
Validity	2 years
Date of consumption	2024/1/2
Points earned	1,000 points
Point expiry date	2025/10/31

Card type	Cashback Business Titanium Credit Card
Statement cycle	15th of each month
Validity	2 years
Date of consumption	2025/10/5
Points earned	2,000 points
Point expiry date	2025/10/31

After the upgrade - expire by the end of month after 2-year validity, calculating from the payment due day after purchase

Xiao Feng's 1,000 points will expire on 31 January 2026, and the 2,000 points will expire on 31 October 2027.
Card type	Payment due day	Validity	Date of consumption	Points earned	Point expiry date
Cashback Business Titanium Credit Card	Day 15 of each month	2 years	2024/1/2	1,000 points	2026/1/31
Cashback Business Titanium Credit Card	Day 15 of each month	2 years	2025/10/5	2,000 points	2027/10/31

Xiao Feng's 1,000 points will expire on 31 January 2026, and the 2,000 points will expire on 31 October 2027.
Card type	Cashback Business Titanium Credit Card
Payment due day	Day 15 of each month
Validity	2 years
Date of consumption	2024/1/2
Points earned	1,000 points
Point expiry date	2026/1/31

Card type	Cashback Business Titanium Credit Card
Payment due day	Day 15 of each month
Validity	2 years
Date of consumption	2025/10/5
Points earned	2,000 points
Point expiry date	2027/10/31

Terms and Conditions for reward points This link will open in a new window

Reward points summary by purchase

All accumulated reward points from your purchases are now clearly calculated for you!

Points are calculated based on the total consumption amount for each campaign category in each period, and a breakdown of reward points for all campaigns in the period will be provided on the billing date.

For example:

Mr. Wang's consumption amount with Cashback Business Titanium Credit Card is as follows:
-Total amount of consumption through general channels is TWD30,000, and he can gain 1% rebate from general channels, which is TWD30,000 x 1% = 300 points
-Total amount of consumption through designated channels is TWD10,000, then he can gain following rebates from designated channels
* 1% rebate from designated channels, which is TWD 10,000 x 1% = 100 points
* Extra 2% rebate from designated channels, which is TWD10,000 x 2% = 200 points
* Qualified for the Cashback Business Titanium Credit Card campaign of first-consumption with 500 points gained
* Qualified for the 1Q-travel campaign with 1,000 points gained

Integration with digital services

Take advantage of diverse functions

HSBC credit card online services are set to undergo a comprehensive upgrade in 1st Quarter of 2024, providing you with a more integrated, convenient, and secure credit card digital platform.

All-in-one credit card digital platform

No need to log on to multiple platforms back and forth; the new HSBC Internet Credit Card Service offers functions including instalment payment applications, points redemption, temporary credit limit adjustments, and more.

Enjoy convenience on the go

Bilingual support: all credit card digital services are available in both Traditional Chinese and English, catering to the language preferences of customer.
Responsive web design: the upgraded credit card online service can fit various screen sizes, offering the best visual experience.

Introduction to credit card online services and features

The brand new Internet Credit Card Service focuses on your needs, aiming to offer more enhanced and integrated digital experience.

View your credit card account information, card balances and real-time transactions.
Check transactions, along with a keyword search feature to easily find specific transaction details. Keep track of your account at ease.

Points redemption: redeem your accumulated points for airline miles, airport transfer, airport lounges and cashback anytime to enjoy various benefits.
Redemption history: keep track of your points balance and redemption history, fulfill your redemption needs and enjoy benefits anytime, anywhere.

Easily change the cash rebate method for your Cashback Business Titanium Card and Cashback Signature Credit Card based on your needs.
Flexible reward points conversion to fulfill diverse needs, whether it’s a one-time large deduction or a simple automatic deduction.

Complete the application in 3 steps, making it easy to handle your expenses.
Choose different instalment options in one single click. You can opt for up to 30 monthly instalments, helping you reduce the burden of lump-sum payments and providing more flexibility in financial management.

Apply to adjust your temporary credit limit and desired duration for the adjustment to remain in effect.
Satisfy your temporary increased expense needs, providing better flexibility in your spending.

Secure and convenient internet credit card and voice services

1. Introduce more convenient log on method and upgraded password strength, providing a secure online experience.

Before upgrade - Internet Credit Card Service

Enter ID number, username, captcha
Enter 3 characters that the system randomly chooses from the log on password

After upgrade - Internet Credit Card Service

Enter username and captcha
Enter complete password

Please note: For more secured and convenient banking experience, both new and existing users will need to re-register for the new Internet Credit Card Service accounts due to the enhanced security measures.

2. Your credit card voice services will now use SMS dynamic authentication password (one-time password) for identity verification instead of the original voice password. You don't need to worry about forgetting or losing your password.

As the verification will be changed to SMS dynamic authentication password, please make sure you have updated your mobile number registered with HSBC.

Service interruption period

We will undergo system upgrade and maintenance in 1st Quarter 2024 . During this period, you won't be able to access credit card services (as listed in the table below). You can refer to the HSBC Taiwan website for the affected dates of listed services and latest updates.
Category	Service description	Service Interruption period
Credit card repayment	Credit card convenience store payment	No impact
Credit card repayment	Refund Adjust overpaid amount Account inquiry Dispute transaction application / Apply/cancel/modify auto-bill payment	No impact
Credit card data updates	Change payment due date Opt in or out to receive marketing/sales promotion	No impact
Credit card data updates	Update personal information (e.g. name/address/email/phone)	No impact
Credit card services	Re-issue cash advance PIN Replace card due to loss or damage Set up bank statement delivery method	No impact
Credit card services	Re-issue credit card statement/ Credit card voice services	System conversion period
Credit card services	Activate credit card	Two days before the new system goes live till the system conversion is complete
Credit card online services	Credit card online service, reward redemption platform, and instalment digital platform	System conversion period
Credit card repayment	Credit card ATM payment	System conversion period
Applying for a credit card	Credit card application (including new application, card transfer, additional card application and document submission)	System conversion period
Applying for a personal loan	Applying for a personal loan	System conversion period
Credit limit adjustment	Apply for permanent/temporary credit limit adjustment	System conversion period
Instalment products	Merchant (on-the-spot) Installment	Five days before the new system goes live till the system conversion is complete
Instalment products	Credit card instalment conversion Cash advance prepayment Early termination of instalment plans	System conversion period
Card usage	Online transaction with 3Ds OTP (One-Time-Password) security verification /Debit Card transaction(include face-to-face and OTP transaction)	System conversion period
Card usage	Transaction notification alerts (including SMS and email)	System conversion period, notification resent after the system conversion is complete
Mobile payment	Add new wallet pay (Apple Pay/Google Pay/Samsung Pay) or other mobile payment methods (Jkopay/LINE Pay/others)	System conversion period

We will undergo system upgrade and maintenance in 1st Quarter 2024 . During this period, you won't be able to access credit card services (as listed in the table below). You can refer to the HSBC Taiwan website for the affected dates of listed services and latest updates.
Category	Credit card repayment
Service description	Credit card convenience store payment
Service Interruption period	No impact

Category	Credit card repayment
Service description	Refund Adjust overpaid amount Account inquiry Dispute transaction application / Apply/cancel/modify auto-bill payment
Service Interruption period	No impact

Category	Credit card data updates
Service description	Change payment due date Opt in or out to receive marketing/sales promotion
Service Interruption period	No impact

Category	Credit card data updates
Service description	Update personal information (e.g. name/address/email/phone)
Service Interruption period	No impact

Category	Credit card services
Service description	Re-issue cash advance PIN Replace card due to loss or damage Set up bank statement delivery method
Service Interruption period	No impact

Category	Credit card services
Service description	Re-issue credit card statement/ Credit card voice services
Service Interruption period	System conversion period

Category	Credit card services
Service description	Activate credit card
Service Interruption period	Two days before the new system goes live till the system conversion is complete

Category	Credit card online services
Service description	Credit card online service, reward redemption platform, and instalment digital platform
Service Interruption period	System conversion period

Category	Credit card repayment
Service description	Credit card ATM payment
Service Interruption period	System conversion period

Category	Applying for a credit card
Service description	Credit card application (including new application, card transfer, additional card application and document submission)
Service Interruption period	System conversion period

Category	Applying for a personal loan
Service description	Applying for a personal loan
Service Interruption period	System conversion period

Category	Credit limit adjustment
Service description	Apply for permanent/temporary credit limit adjustment
Service Interruption period	System conversion period

Category	Instalment products
Service description	Merchant (on-the-spot) Installment
Service Interruption period	Five days before the new system goes live till the system conversion is complete

Category	Instalment products
Service description	Credit card instalment conversion Cash advance prepayment Early termination of instalment plans
Service Interruption period	System conversion period

Category	Card usage
Service description	Online transaction with 3Ds OTP (One-Time-Password) security verification /Debit Card transaction(include face-to-face and OTP transaction)
Service Interruption period	System conversion period

Category	Card usage
Service description	Transaction notification alerts (including SMS and email)
Service Interruption period	System conversion period, notification resent after the system conversion is complete

Category	Mobile payment
Service description	Add new wallet pay (Apple Pay/Google Pay/Samsung Pay) or other mobile payment methods (Jkopay/LINE Pay/others)
Service Interruption period	System conversion period

Frequently asked questions (FAQ)

Credit card statements and payments
Credit card auto-bill payments
Shared credit limits and limit adjustments
Internet Credit Card Service
Credit card reward points
Credit card voice services
Credit card instalment services
Credit card mobile payments
Credit card other services

Credit card statements and payments

You can access your historical account information and billed transactions for the past 3 months by visiting the new Internet Credit Card Service by clicking the card tile.

You can change the statement delivery method by visiting the new Internet Credit Card Service under ‘Your profile', then ‘Statement delivery method setting'.

The credit card payment method remains unchanged, please make the payment according to your original payment method. If you use mobile statement, your original mobile statement SMS link will be still available until one month after the new system's launch base date (for example: the launch base date is January 27, 2024, and your original mobile statement SMS link will be available until February 27, 2024), you can still check the bill content and make payments through the original link, but some services will not be available during the system conversion period, such as applying for bill installments, personal loans, and credit card activity login inquiries. If you want to understand more diversified payment methods, you can refer to https://www.hsbc.com.tw/credit-cards/faq/#q03 for more details.

Credit card auto-bill payments

You can apply for auto-bill payment service after the service interruption period. Please refer to our website for any changes to the service interruption period. Please also refer to our credit card payment page about how to apply for auto-payment service to pay utility bills.

Shared credit limits and limit adjustments

It is the combined credit limits of all your HSBC credit cards.

For example, Xiao Feng has the Cashback Business Titanium Credit Card (with a credit limit of TWD150,000) and the Cashback Signature Credit Card (with a credit limit of TWD100,000). Once our new system has launched, Xiao Feng’s total credit limit of credit card will become TWD250,000, which can be shared by this two credit cards. In the future, if Xiao Feng applies for other HSBC credit cards, he can enjoy access to the combined credit limit of TWD250,000 on his new cards. He can use his different cards for spending to enjoy various benefits and perks as needed.
Cardholder	Before the launch of new system	Credit limit	Card status	After the launch of new system
Xiao Feng	1. Cashback Business Titanium Credit Card 2. Cashback Signature Credit Card	1. TWD150,000 2. TWD100,000	1. Valid card 2. Valid card	The combined credit limit is TWD250,000

For example, Xiao Feng has the Cashback Business Titanium Credit Card (with a credit limit of TWD150,000) and the Cashback Signature Credit Card (with a credit limit of TWD100,000). Once our new system has launched, Xiao Feng’s total credit limit of credit card will become TWD250,000, which can be shared by this two credit cards. In the future, if Xiao Feng applies for other HSBC credit cards, he can enjoy access to the combined credit limit of TWD250,000 on his new cards. He can use his different cards for spending to enjoy various benefits and perks as needed.
Cardholder	Xiao Feng
Before the launch of new system	1. Cashback Business Titanium Credit Card 2. Cashback Signature Credit Card
Credit limit	1. TWD150,000 2. TWD100,000
Card status	1. Valid card 2. Valid card
After the launch of new system	The combined credit limit is TWD250,000

Yes. Regardless of which card you use, you can use this limit to make purchases. For example, if A holds the Cashback Signature Credit Card and the Cashback Business Titanium Credit Card with a total shared credit limit of TWD100,000. After spending TWD10,000 via the Cashback Business Titanium Credit Card, the shared credit limit will be only TWD90,000 available.

Each credit card still has its own bill. You can flexibly choose the payment amount of each card type based on your financial planning and needs.

For credit limit adjustment, we suggest you apply through our credit card phone banking center with financial proof before the system conversion period (subject to the latest updates on our website), or apply through the new credit card online banking after the system conversion period (subject to the latest update on our website).

Internet Credit Card Service

Yes. Due to enhanced security measures, both new and existing users are required to register again for the new Internet Credit Card Service accounts.

You can visit the new Internet Credit Card Service and go to 'Card management’ then ‘Cash rebate preference'.

Supplementary cardholders can register and log on Internet Credit Card Service . They can access functions or information about their supplementary card, including 'Account information', ‘Credit limits', 'Outstanding transactions‘, 'Transaction details' and 'Posted transactions', as well as 'Change the credit card online banking password'.

No, you can not. These functions will be integrated into the new Internet Credit Card Service. The existing HSBC e-points, credit card redemption or points transfer platform will no longer be available after the new system launch date.

You can not directly access all the Internet Credit Card Service from Personal Internet Banking account, except for checking the outstanding balance of credit card. We suggest you visit the HBSC Taiwan website and log on to the new Internet Credit Card Service.

HSBC Internet Credit Card Service is tailored for credit card customers. Therefore, you need to log on separately for Internet Credit Card Service and Personal Internet Banking.

Credit card reward points

The system upgrade will not affect the validity of reward points for each card type. Please refer to the welcome pack for the validity of reword points for each card type. For example, if your reward points are valid for 2 or 3 years, the validity will be the same but calculate separately on a rolling basis after the system upgrade.

The expiry date for all the points earned before new system launch will resume expiry calculation, which means those points will have a full validity period (i.e 3 years for Traveller's card and 2 years for Cashback business titanium Credit Card). More details please refer to credit card agreement.

You can check your point balance and earned or redeemed points and other details by visiting the new Internet Credit Card Service and going to ‘Manage Cards', then 'View Reward Points'.

Credit card voice services

No, the credit card voice service password will cease to be used. Due to a comprehensive upgrade of the credit card voice service, it now uses a 6-digit SMS dynamic verification password (one-time password) for identity verification, and the previous voice passwords will not be used. Please also make sure your mobile phone number registered with HSBC is accurate before using the SMS dynamic verification password (one-time password).

Credit card instalment services

No, the related instalment functions will be integrated into the new Internet Credit Card Service.

Credit card mobile payments

Mobile payment methods that have been successfully set up will not be affected. However, transactions that require verification via 6-digit SMS dynamic verification password (one-time password) on your phone can not be completed during this system suspension period. If you encounter any issues or are unable to make payments, we suggest you use alternative payment methods for the time being.

Credit card other services

No. You will need to call our customer services after the launch of new system and reapply for cash advance PIN.

Please manage your finances carefully and value your credit

Interest on revolving credit and cash advance 5.68% to 15.00%. Service Charges for cash advance NT$100 + the amount of cash advance * 3.5%. Base date of interest on revolving credit: September 1 2015.

Providing you with a brand new credit card experience

HSBC Taiwan Credit Card System upgrade instructions

Shared credit limit

Integration with digital services

Security upgrade for internet credit card and voice services

Service interruption period

Frequently asked questions

Flexible card spending and convenient point redemption

Easy credit limit sharing and consumption with one card

Example 1: Xiao Feng has the Cashback Business Titanium Credit Card (with a credit limit of TWD150,000) and the Cashback Signature Credit Card (with a credit limit of TWD100,000)

Example 2: Xiao Fu has the Cashback Signature Credit Card (with a credit limit of TWD120,000), the Cashback Business Titanium Credit Card (with a credit limit of TWD180,000), and a deactivated Visa Gold Card

Precautions for credit limit sharing

Improved calculation in reward point expiry

Example 1: Traveller's Card

Example 2: Cashback Business Titanium Credit Card

Reward points summary by purchase

Integration with digital services

Take advantage of diverse functions

All-in-one credit card digital platform

Enjoy convenience on the go

Introduction to credit card online services and features

Real-time transactions/account inquiries

Reward points management

Cash rebate preference

Instalment payments

Temporary credit limit adjustments

Secure and convenient internet credit card and voice services

1. Introduce more convenient log on method and upgraded password strength, providing a secure online experience.

2. Your credit card voice services will now use SMS dynamic authentication password (one-time password) for identity verification instead of the original voice password. You don't need to worry about forgetting or losing your password.

Service interruption period

Frequently asked questions (FAQ)

Credit card statements and payments

Q1. How can I check my credit card historical account information and billed transactions?

Ｑ2. How can I change my statement type?

Ｑ3. How can I pay my statements received before new system launch?

Credit card auto-bill payments

Q1. I applied for auto-bill payment service of my credit card before the new system launch date. Will this application be affected?

Q2. When can I apply for auto-payment service to pay utility bills?

Shared credit limits and limit adjustments

Q1. What is credit card shared limit?

Q2. My credit card shared limit is TWD100,000. Can it be used by each of my credit cards?

Ｑ3. Will the bills be combined after shared credit limit?

Q4. I urgently need to adjust my credit limit. What should I do?

Internet Credit Card Service

Q1. I previously registered for Internet Credit Card Service. Do I need to register again?

Q2. Where can I change the cashback redemption method?

Q3. Can supplementary cardholders register for Internet Credit Card Service?

Q4. Can I still use the previous HSBC instalment digital platform, credit card redemption or points transfer platforms after the new system launch date?

Q5. If I'm an HSBC bank account customer, can I directly access the new Internet Credit Card Service from my Personal Internet Banking account?

Q6. Can I use my HSBC Personal Internet Banking username and password to access Internet Credit Card Service?

Credit card reward points

Q1. Do all my reward points have the same expiration date?

Q2. How do I calculate the expiration date for points that haven’t expired by the new system launch date?

Q3. Where can I check the details of my reward points?

Credit card voice services

Q1. Can I still use the credit card voice service password I applied for before the new system launch date?

Credit card instalment services

Q1. Can I still use instalment digital platform or mobile statements to set up instalment plans after the new system launch date?

Q2. How to set the consumption instalment after the date of new system launch?

Credit card mobile payments

Q1. Will my mobile payment methods (Samsung Pay/Apple Pay/Google Pay) or other payment methods (such as Jkopay or LINE Pay) be affected during the system suspension period?

Credit card other services

Q1. Can I still use the credit card cash advance PIN that I have applied for after the new system launch date?

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