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Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa Cash Back

Ricky Publico

Ricky Publico

Last updated September 25, 2023

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

hsbc gold visa review - hsbc gold visa cash back credit card

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?

hsbc gold visa review - 5% rebate on dining

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: Giftaway Credits, JBL Flip 6, or JBL Tune 520 BT

moneymax hsbc credit card promo

Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate

Promo period: Until May 15, 2024

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 welcome gift! Choose from free Giftaway credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a JBL Tune 520BT worth ₱3,349

This Moneymax HSBC Giftaway/JBL promo runs until May 15, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-188586 Series of 2024. Terms and conditions apply. 

What Other Perks Can I Get with My HSBC Gold Visa?

hsbc gold visa review - hsbc perks

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 Cashback

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
hsbc red mastercard
  • 4x bonus points on online, shopping, dining, and overseas transactions
  • 1 bonus point for every ₱20 spend
  • 3% fuel rebates year-round
HSBC Gold Visa Cashback
hsbc gold visa cashback
  • 5% cash back on dining transactions
  • 0.50% cash back on all of your other transactions
  • 3% fuel rebates year-round
HSBC Platinum Visa Rebate
  • 5% rebate on travel and shopping spend 
  • 1% rebate on insurance
  • 0.50% rebate on all other spend
  • 3% fuel rebates year-round
  • Purchase Protect insurance


There are more credit cards out there that deserve a second look. Check them out:

💳 UnionBank Rewards Credit Card

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®

Metrobank Titanium

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

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

Security Bank Complete Cashback Platinum 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

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! 

Apply for an HSBC credit card through Moneymax


Ricky is the zaniest Product Marketing Manager at Moneymax, with over six years of writing experience in the digital marketing industry. He had written for SEO, cybersecurity, and other related industries prior to joining Moneymax. He also specializes in content writing, copywriting, and email marketing. He is a huge fan of pro-wrestling, One Piece, and smartphones in general. Follow Ricky on LinkedIn.


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