Want to save money on your credit card spending? Take a look at HSBC’s cashback credit card: the HSBC Gold Visa. What can this credit card bring to the table?
The HSBC Gold Visa Cash Back’s main selling point is the 5% rebate on dining expenses. Does that make HSBC Gold Visa the perfect dining partner? What other perks can it offer?
Let’s answer all that and more in this HSBC Gold Visa review.
HSBC Gold Visa Cash Back Features

For this HSBC Gold Visa review, let's start with the basics. Looking at its key features, you’ll see how the HSBC Gold Visa stacks up with other credit cards out there. But don’t take it at face value just yet—this card deserves a closer look.
- Annual fee: ₱2,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱16,667
- Cash advance fee: ₱200 per transaction
- Cash advance interest rate: 3%
- Late payment fee: ₱1,000 or unpaid minimum amount due, whichever is lower
- Overlimit fee: ₱800
- Foreign transaction fee: 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum
- Card replacement fee: ₱400

HSBC Gold Visa Review: Why Should I Get This Card?
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One word: Rebates. If you love eating out or ordering food online, this credit card is perfect for you. For every dining purchase made all year round, you'll receive a 5% cashback credited straight to your account. No fuss, no rush, all grub.
It doesn’t end there—the HSBC Gold Visa Cash Back can also earn you rebates on other purchases. Need new items for school or work? Shop at any department store from May to August and receive a 1% rebate.
Love shopping from international online stores? Do so in January, April, May, and December to receive another 1% rebate.
The HSBC Gold Visa can also earn you rebates on fuel. Gas up at any Caltex station nationwide and get a 6% rebate on your first fuel purchase and 3% for succeeding purchases. Every other transaction earns you a 0.5% rebate all year round.
Spend Category | Cash Back Rate | Available Period |
---|---|---|
Dining | 5% | January to December |
Fuel (Caltex) | 6% on first fuel; 3% on succeeding purchases | January to December |
Department store transactions | 1% | May to August |
Overseas | 1% | January, April, May, and December |
Other transactions | 0.50% | January to December |
🎁 Free Gift from Moneymax: ₱2,500 eGift, ₱2,500 SM Gift Pass, or Dolce Gusto Coffee Machine
Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate
Promo period: Until October 31, 2023
Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting free welcome gift! Choose from a free eGift voucher worth ₱2,500, an SM Gift Pass worth ₱2,500, or a Nescafé Dolce Gusto Piccolo XS coffee machine (worth ₱5,199).
Per DTI Fair Trade Permit No. FTEB-173270 Series of 2023. Terms and conditions apply. This Moneymax HSBC Giftaway/SM Gift Pass/Dolce Gusto promo runs until October 31 only. So hurry and apply now!
What Other Perks Can I Get with My HSBC Gold Visa?
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The HSBC Gold Visa Cash Back may not earn you exciting rewards, but you can still take advantage of other credit card perks that are universal to all HSBC credit cards. With the hefty rebates you’ll be receiving, it’s not a bad trade-off at all.
🔥 Exclusive Privileges
For starters, owning an HSBC credit card gives you access to exclusive privileges at over 27,000 establishments in 160 countries worldwide. Wherever you are, HSBC’s home&Away program[1] gives you discounts and promos, from dining and lifestyle activities to travel and accommodation deals.
🔥 0% Installment Plans
Need help purchasing a big-ticket item like gadgets or appliances? Avail of a 0% card installment plan[2] from HSBC and space out your payments through monthly installments of up to 36 months.
🔥 Cash Installment Plan
What if you’re in need of cash for emergencies? You can always get a cash advance using your credit card.
What makes an HSBC credit card special is that you can pay back what you owe in flexible installments. Thanks to HSBC’s cash installment plan,[3] you can expect the unexpected.
🔥 HSBC Autocharge
If you’re tired of tracking your monthly payments manually, why not automate them instead? With HSBC’s Autocharge feature, you can automatically charge all your monthly payments to your card.
You'll then get an eStatement of your credit card bill to your email. Now all you have to settle is one payment every month.
Convinced by our HSBC Gold Visa review so far? Here’s a quick rundown of its features.
HSBC Gold Visa Cash Back Alternatives
This HSBC Gold Visa review won’t be complete without looking at other possible alternatives. Check out HSBC's lineup:
Credit Card
|
Annual Fee
|
Minimum Annual Income Requirement
|
Key Features
|
HSBC Red Mastercard
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₱2,500
|
₱200,000
|
|
HSBC Gold Visa Cashback
![]() |
₱2,500
|
₱200,000
|
|
HSBC Platinum Visa Rebate
![]() |
₱5,000
|
₱500,000
|
|
There are more credit cards out there that deserve a second look. Check them out:
💳 UnionBank Rewards Credit Card
Want to earn rewards instead of cashback? Use the UnionBank Rewards Credit Card to earn 1 point per ₱30 spend. Triple your points if you use your card at shopping boutiques, department stores, and restaurants here and abroad.
Read more: How to Apply for a UnionBank Credit Card in 3 Easy Steps
💳 Metrobank Titanium Mastercard®
Looking for more rewards? Get 1 point for every ₱20 spend and up to 2x points on dining, department store, and online purchases with the Metrobank Titanium Mastercard®. You can also waive your annual fees if you apply for this card until February 29, 2024 and meet the required annual spend of ₱180,000.
Read more: Metrobank Credit Card Application: Eligibility, Requirements, and More
💳 HSBC Red Mastercard
In case you really want an HSBC credit card but prefer earning rewards, check out HSBC Red Mastercard. Earn 1 rewards point for every ₱20 spend and earn 4x reward points from dining, shopping, overseas, and online purchases.
Read more: A First-Timer’s 4-Step Guide to HSBC Credit Card Application
💳 Security Bank Complete Cashback Mastercard
The Security Bank Complete Cashback Mastercard also boasts up to 5% cash rebates as its main selling point. Earn rebates on groceries, fuel, utilities, and dining expenses, and save as much as ₱12,000 per year.
Read more: How to Apply and Get Approved for a Security Bank Credit Card
💳 BPI Amore Cashback Card
With a low minimum monthly income requirement of ₱15,000, the BPI Amore Cashback Card is a good candidate for first-time cardholders. Earn up to 4% cash rebate when you spend at least ₱1,000 at partner merchants in Ayala Malls.
Read more: BPI Credit Card Application: Requirements, Process, and More
Final Thoughts: HSBC Gold Visa Review
Cashback credit cards will never go out of style. The concept of receiving a portion of the amount spent will always attract money-savvy shoppers. If that bill fits you perfectly, this HSBC Gold Visa review likely convinced you to apply for one!

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