HSBC Gold Visa Cash Back

Minimum Annual Income


(P16,667 Monthly)

Interest Rate


Annual Fee


Special Promotions

₱2.5K eGift, ₱2.5K SM Gift Pass, or Dolce Gusto!

Apply for an HSBC Credit Card and receive your chosen welcome gift when you get approved. Promo extended until October 31, 2023. Per DTI Fair Trade Permit No. FTEB-173270 Series of 2023.

Want to learn more about your reward's delivery time and more? Check out our FAQs. For full terms and conditions, click here.

Product Summary


HSBC Gold Visa Cash Back

The HSBC Gold Visa Cash Back is the perfect credit card for everyone who loves rebates. Get 5% cash back on dining transaction, 3% cash back on fuel spend, and 0.50% cash back on all other purchases. Plus, enjoy exclusive HSBC perks and discounts with this credit card.

  • Earn 5% cash back on dining and 0.50% cash back on all other spend
  • Get 6% rebate on your first Caltex fuel spend and 3% rebate year-round
  • Enjoy exclusive HSBC perks in 27,000 partner establishments worldwide
  • Ideal for: practical shoppers who shop and pay bills online
Existing Credit Card Required
Landline number Not Required
Age 18 to 65 years old
Minimum Annual Income P200,000
Annual Fee P2,500 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate 3%
Cash Advance Monthly Effective Interest Rate 3.04%
Minimum Amount Due P500 / %
Cash Advance Fee P200 / 0%

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Why Choose HSBC Gold Visa Cash Back?

Is the HSBC Gold Visa Cash Back the best credit card for the budget-conscious? With up to 5% rebates, it just might well be. Check out this short review of the HSBC Gold Visa Cash Back.

Earn up to 5% rebate on every spend

Rewards are old news, cash back is where the money’s at. And the HSBC Gold Visa Cash Back has rebates in spades. For dining purchases alone, you get a 5% rebate all year round. You also get a 1% rebate on department store spend and online transactions on select months.

The HSBC Gold Visa Cash Back also saves you gas money. Just head down to the nearest Caltex station, use your credit card to fuel up and get a 6% rebate on your first fuel transactions. Succeeding fuel purchases earn you a 3% rebate all year round. Savings galore!

Avail flexible 0% installment plans

Convert your big-ticket purchases into affordable 0% interest installments with terms up to 36 months with the HSBC Gold Visa Cash Back. You can now afford to buy gadgets, appliances, furniture, and other big-ticket items and earn 3x bonus points for your installments.

Avail of cash installment plans

The HSBC Gold Visa Cash Back makes it easier for you to get a cash advance for emergencies. Just avail of a cash installment plan and pay your cash advance in flexible and affordable installments.

Is HSBC Gold Visa Cash Back the Right Card for You?

The HSBC Gold Visa Cash Back should be your go-to credit card for savings and rebates, but there are other credit cards out there you should check out:

  • RCBC Zalora Credit Card. This card is ideal for the fashionistas who frequently shop at Zalora. Enjoy up to 6% cash back on online purchases and receive reward points on your in-store purchases.
  • BPI Amore Cashback Card. This card is perfect for those who always frequent Ayala Malls. It earns you a 4% rebate when you shop at partner merchants with a required minimum spend of ₱1,000.


When you make a purchase using your HSBC Gold Visa Cash Back, you will receive a percentage of your monthly purchases in your account. For example, since your credit card earns you 5% cash back on dining transactions, you will receive ₱125 for a ₱2,500 meal.

When it comes to cash back rates, the HSBC Gold Visa Cash Back is up there with the very best. Here’s how much rebate you can earn with your credit card:

  • 5% cash back on dining spend
  • 6% cash back on your first Caltex fuel spend
  • 3% cash back on Caltex fuel spend
  • 0.5% cash back on every other purchase
  • 1% cash back on department store spend (from May to August)
  • 1% cash back on overseas spend (January, April, May, and December)

Most types of transactions are eligible for cash back like straight purchases, overseas spend, and online transactions. The following are NOT eligible for rebates:

  • Installment transactions
  • Cash Advance and quasi-cash transactions
  • Auto Charge transactions
  • Bills payment transactions via HSBC online
  • Casino or gambling transactions
  • Fees and charges

Yes, the maximum amount of cash back you can receive is ₱1,200 per calendar month.

Yes! Supplementary cardholders are also eligible for cash back. Take note that corporate and/or company cardholders are not eligible for the program.

No. Your cash back cannot be exchanged for any other rewards or converted to any other types of financial instruments.

It takes around 5 to 10 business days upon submission of completed application forms and required documents.You may expect a call, text, or email from HSBC about your credit card approval.


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