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Providing you with a brand new credit card experience

Credit Card System Upgrade Notification and Important 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.

 

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

 

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

 

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

 

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

 

We're here to answer your questions!

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

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

After upgrade - Internet Credit Card Service

  1. Enter username and captcha
  2. 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

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.

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation. To improve the protection of customers' rights for the elderly or customers with special needs, the Bank provides relatives or friends to accompany them to participate in the communication to understand the product information, and provides enough time to consider whether to apply for related products. Please contact us via contact center (02)6616-6000 or email csr@hsbc.com.tw if any doubt/concern or further explanation is needed.