Are you eligible?
Download an application form and send to HSBC once you have completed, along with photocopies of your identification.
(The following are the terms and conditions for the Visa Debit Card (hereinafter the “Visa Debit Card Terms and Conditions”). For terms and conditions related to the use of general ATM cards, please refer to and comply with the General Agreement.)
The Customer hereby applies to the Bank for the issuance of a Visa Debit Card （”Card”） and will follow the following terms and conditions.
"Visa Debit Card Terms and Conditions", prior to "Terms and Conditions for ATM card", shall apply to Visa Debit card cardholders. In case of any conflicts occurred between "Visa Debit Card Terms and Conditions" and "Terms and Conditions for ATM card", the "Visa Debit Card Terms and Conditions" shall prevail. The card holder shall submit a request to the Bank to activate the debit transaction function and spending limit.
The terms used in Visa Debit Card Terms and Conditions are defined as follows:
The Cardholder may notify the Bank to terminate Visa Debit Card Terms and Conditions within seven(7) days from the date of receipt the Card in accordance with the manner provided under Paragraph 3, Article 20 of Visa Debit Card Terms and Conditions without reason and the Cardholder shall not be liable for any charges.
However, if the Card is already used by the Cardholder, the contract may not be cancelled.
If products are ordered, services are obtained or fees are paid on behalf of the obligor by using the Visa Debit Card through posted mail, telephone order, Internet, fax or in other similar manners in accordance with general trading practices or due to the special characteristics of the transaction, the Bank may transfer the payments on behalf of the Cardholder through PIN, telephone confirmation, relevant postal justification or other identify verification manner and confirmation of the Cardholder’s intention and no transaction slip or on-site signature shall be required.
In cases where there is dispute between the Cardholder and the Merchant, the Bank should provide assistance, and resolve the matter in ways that is beneficiary to the Cardholder.
The Bank may adjust this fee in accordance with the adjustment or amendment manners provided under Visa Debit Card Terms and Conditions. If the result of investigation shows that the transaction is an fraudulent transaction, or the disputable transaction is not attributable to the Cardholder, the transaction slip seeking handling fee will be paid by the Bank.
If the Cardholder’s Visa Debit Card is lost, stolen, robbed, fraudulently obtained or occupied by any third party other than the Cardholder (hereinafter “Loss or Theft”), the Cardholder shall inform the Bank to carry out the cancellation suspension procedures by phone or in other manners as soon as possible. However, if the Bank deems it necessary, it shall inform the Cardholder within 10 days from the date on which the suspension procedures are carried out to request the Cardholder to report to the local police authority within 3 days from the date of notice or send a supplemental written notice to the Bank.
Any loss incurred from fraudulent use starting from the time the Cardholder carries out suspension procedures shall be borne by the Bank. However, in case of any of the following, the Cardholder shall remain responsible for the loss suffered from any fraudulent use：
Before carrying our the suspension procedures, maximum losses liability borne by the cardholders for fraudulent use shall be limited to TWD3,000. However, in the event of any of the following, the Cardholder shall not bear any liability (all cash withdrawal, account transfer and all ATM transactions done by using the PIN of an ATM card shall be subject to the terms and conditions of the ATM card and this Article shall not apply)：
In the event of the second sentence of Paragraph 2 of this Article and any of the following for the Cardholder, and if the Bank can prove that it has exercised the due care of a good administrator, the deductible amount for fraudulent use under the previous Paragraph shall not apply：
Where the Credit Card is damaged, magnetically erased, scratched, or unusable due to any other causes, the Bank may issue a new replacement card free of charge upon the Cardholder’s application. If the Cardholder has any Loss or Theft of the Visa Debit Card and carries out suspension procedures in accordance with Article 15 of Visa Debit Card Terms and Conditions, or if the Cardholder applies for a replacement card for personal reasons when the existing Visa Debit Card can still be used normally, the Cardholder shall pay a handling fee TWD100 per card for card re-issuance. The Bank may adjust this fee in accordance with the adjustment or amendment manners provided under Visa Debit Card Terms and Conditions.
If the Bank does not terminate the agreement in accordance with Article 20 of Visa Debit Card Terms and Conditions upon expiry of the validity period of the Visa Debit Card, the Bank shall issue a new card to the Cardholder for continuous use. However, based on the bank’s consideration of risk, safety, Cardholder’s finance, credit, consumption and circumstances of use of the card, the Cardholder agrees that the Bank may decide not to issue a new Visa Debit Card to the Cardholder upon expiry of the validity period. Upon expiry of the validity period of the old card, the Bank may suspend the function of purchase by the Visa Debit Card and keep on the functions of the general ATM card. If the Cardholder wishes to use the purchase functions of the Visa Debit Card, the Cardholder shall file an application with the Bank to trigger the purchase functions and shall be deemed to have accepted the notes to the terms and conditions of the Visa Debit Card.
Prior to the expiry of the validity period of the Visa Debit Card, if the Cardholder does not wish to continue the use, the Cardholder must terminate the agreement by notifying the Bank in accordance with the manners specified in Paragraph 3, Article 20 of Visa Debit Card Terms and Conditions prior to the expiry of the validity period or within 9 days from receipt of the new card, without reasons or with no fee. However, this does not apply if the issued new card has already been used. If a subsequent application is filed, a handling fee TWD100 shall be charged for the issuance of a new card.
If the Cardholder applies for the re-issuance of a new card, a replacement card or a new card following expiry of the validity period, the Cardholder shall carry out the new card activation procedures in the manner agreed by the Bank. All functions on the old card will cease upon the activation of the new card.
If the Bank terminates the agreement with the Cardholder in accordance with Article 20 of Visa Debit Card Terms and Conditions, the Bank may make early repayment of all debts owed to the Bank from all deposits and amounts deposited by the Cardholder with the Bank and may use the prepaid amount to setoff against the debt owed by the Cardholder to the Bank. The Bank’s expression of intention to perform the setoff shall become effective at the time the account is offset. In addition, any depository receipt or other debt certificate issued to the Cardholder by the Bank shall cease to be effective within the scope of the setoff. If the amount of setoff is insufficient to repay all debt owed by the Cardholder to the Bank, setoff shall be done in accordance with Articles 321 to 323 of the Civil Code, provided that the Bank may designate the order and manner which are more beneficial to the Cardholder than those stipulated under Article 323 of the Civil Code.
In case of any amendment, addition or deletion of the clauses of Visa Debit Card Terms and Conditions, if the Bank notifies the Cardholder in writing, in legally allowed manner or any other manger agreed by the Bank, and if the Cardholder does not voice any objection within 14 days, the Cardholder shall be deemed to have confirmed such amendment, addition or deletion of clauses. However, in the event of any change to the following matters, the Cardholder shall be notified by letter, electronic mail/document 60 days prior to the change, or be publicly announced in an obvious manner or in the business location or website of the Bank if so allowed by law, such letter, electronic mail/document or the above-mentioned public announcement shall clearly specify the matter of change and contents of the old and new provisions, the Bank shall inform the Cardholder that the Cardholder may voice objections to the matters of change and that the Cardholder shall be deemed to have confirmed such amendment, addition or deletion of clauses if the Cardholder does not voice any objection within such period, and the Bank shall inform the Cardholder that if the Cardholder has any objection, the Cardholder may notify the Bank to terminate the agreement during the objection period in the manger provided under Paragraph 3, Article 20 of Visa Debit Card Terms and Conditions：
Starting from the date on which the Cardholder uses the services provided under Visa Debit Card Terms and Conditions, the Cardholder shall pay the service fee and handling fee in accordance with the agreed fee scheme. In case of any adjustment to such fee scheme after signature of the Visa Debit Card Terms and Conditions, unless otherwise provided by Visa Debit Card Terms and Conditions, the Bank may publicly announce the adjusted matters 60 days prior to the adjustment date on the Bank’s website or in obvious places of the Bank’s business location or by a written notice or any other forms of notification agreed by cardholders. The Bank shall also inform the Cardholder if the Cardholder does not agree to the adjustment, the Cardholder may notify the Bank in writing to terminate the Visa Debit Card terms and conditions during such period and cooperate with the Bank to carry out termination procedures. If the Customer did not notify the Bank to terminate the Visa Debit Card Terms and Conditions within such 60-day period but continues to carry out dealings by Visa Debit Card with the Bank, it shall be deemed that the Customer has agreed to such adjustment.
The calculation of fees charged by the Bank to the Cardholder, including annual fee, transaction fee, penalty fee and all other charges, may only be modified once every quarter should there be any modifications.
The time period or the conditions applicable for the Cardholder rights, benefits or services may only be modified once every quarter should there be any modifications. Under circumstance in which the modification or termination of the right can not be accountable to the Bank, or if the modification is beneficiary to the cardholder, the above restriction will not be applicable.
In case of any of the following for any Cardholder, the Bank may lower the Cardholder’s Daily Spending Limit or suspend the Cardholder’s right to use the Visa Debit Card on temporary or permanent basis without prior notice or warning, and the Bank should notify the cardholder immediately after the change:
In the event of any of the following for any Cardholder, and in cases where the Cardholder cannot provide a justifiable reason, the Bank may lower the Cardholder’s Daily Spending Limit or, under severe situations, suspend the Cardholder’s right to use the Visa Debit Card on temporary or permanent basis after prior notice or warning:
If the events under Paragraph 1 or under various items under Paragraph 2 disappears, or if the Bank agrees for the Cardholder to provide reasonable justifications, or if the Cardholder repays part of the amount or provides appropriate guarantees, the Bank may reinstate fully or partly the original Daily Spending Limit for the Cardholder or reinstate the Cardholder’s right to use the Visa Debit Card.
The Cardholder may from time to time and at any time terminate Visa Debit Card Terms and Conditions by the written application as set out in Paragraph 3 of this Article.
If any of the events as set out in Paragraph 1 and 2 of the previous Article occurs, or the Card expires, the Bank may terminate Visa Debit Card Terms and Conditions in writing or in other manners agreed by the Bank.
If the Cardholder terminates or cancels Visa Debit Card Terms and Conditions due to any event as set out in preceding Paragraph 1 of this Article or Paragraph 3 of Article 16 and Article 18 of Visa Debit Card Terms and Conditions, the Cardholder shall cut the Card and mail it back to the Bank together with the reason, fill out a “Visa Debit Card Service Application From” requested from the phone banking, or terminate by other application agreed by the Bank to terminate or cease the usage of the Card.
Visa Debit Card Terms and Conditions will be terminated also while the termination of Cardholder’s Designated Account.
Upon termination or cancellation of Visa Debit Card Terms and Conditions, the Cardholder shall not use the Visa Debit Card (irrelevant with whether the Card expires or not). The Bank may, at any time, taking into consideration the risk, security, the Cardholer’s financial, credit, consumption and repayment status, cease or cancel the usage of the Visa Debit function without ceasing to use the ATM function or terminating Visa Debit Card Terms and Conditions.
In the Cardholder dies, the Bank may declare all the Cardholder’s obligations to the Bank due and payable immediately.
The cardholder agrees that the collection of transaction accounts, computer processing, business attached to the Visa Debit Card Terms and Conditions (such as information recording, processing and output of information system, development of information system, monitoring and maintenance, marketing, cardholder information input, printing, sealing and posting of forms, custody of forms and certificates, preparation and delivery of cards, demand for accounts and legal proceedings, etc. including collection and computer processing of related personal information which fit the specific purpose) may be outsourced to an appropriate third party or be handled in cooperation with the members of credit card organizations as required or approved by the competent authority, if necessary. The cardholder also agrees that the Bank may provide his/her personal information to the third party, provided that the third party shall engage in the computer processing of, and use, the personal information pursuant to laws and keep confidential such information.
The cardholder agrees that the terms and conditions herein shall remain effective in the case of any change in the cooperative relationship between the Bank and a third party, or the Bank’s name or organization, and the Cardholder is willing to comply with Visa Debit Card Terms and Conditions without signing any additional documents.
In addition to this Visa Debit Card Terms and Conditions, the Cardholder shall also comply with relevant provisions of the Bank for the accounts and cards.
With respect to the matters involved herewith which have not been stipulated in Visa Debit Card Terms and Conditions, the parties agree to enter into another agreement therefore.
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.