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

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.
*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.
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

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.
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
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 |
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
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.