HSBC Gold Visa Cash Back

Minimum Annual Income


(P16,667 Monthly)

Interest Rate


Annual Fee


Special Promotions

Choose Your Gift: Shopee Credits or Xiaomi Vacuum

Apply for an HSBC Credit Card and receive your chosen welcome gift when you get approved. Choose between ₱2,500 worth of Shopee credits or a Xiaomi Mijia UV Dustmite Wired Vacuum worth ₱2,799. 

Promo runs from January 16 to February 15, 2022. Per DTI Fair Trade No. FTEB-135124. Series of 2022. See full terms here.

Product Summary


HSBC Gold Visa Cash Back

Earn 5% cash back on dining transactions and up to 3% rebate all-year round with an HSBC Gold Visa Cash Back. Access rebates anytime you want with HSBC’s full and automatic cash back crediting -- yes, it goes straight to your account!

  • 5% cash back on dining transactions and 0.50% cash back on all other purchases year-round
  • 3% cash back on fuel purchases at participating Caltex stations
  • 1% cash back on department store transactions from May to August
  • 1% on overseas spend, in January, April, May, and December
  • Enjoy these perks in any of HSBC’s 27,000 partner establishments worldwide
  • Ideal for: practical shoppers who shop and pay bills online
Existing Credit CardRequired
Landline numberRequired
Age21 to 65 years old
Minimum Annual IncomeP200,000
Annual Fee Free
Monthly Effective Interest Rate2%
Cash Advance Monthly Effective Interest Rate2%
Minimum Amount Due4%
Cash Advance Fee P200 / 0%

Is this the right product for you?

Checkout the other credit card listings

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.

No annual fees for life!

Save yourself from unwanted annual fees by applying for an HSBC Gols Visa Cash Back. Hurry because this promo runs until December 31, 2021. Don’t miss your chance to save on fees!

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 5% rebate all year round. You also get 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 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:

  • Citi Cash Back Card. This card is loaded with rebates of up to 6%. Save us much as ₱12,000 every year when you use this card on groceries, Meralco bills, and other essentials.
  • BPI Amore Visa Cashback. 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.


HSBC Gold Visa Cash Back is HSBC’s cash back credit card ideal for dining, shopping, and fuel purchases. Like HSBC Red Mastercard, Gold Visa Cash Back has a low income requirement of PHP 16,667 per month.

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.

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

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

No, you can’t. Your cash back cannot be exchanged for any other rewards or converted to any other types of financial instruments

You may head over to HSBC’s credit cards page ( to check the latest promos for HSBC Gold Visa Cash Back. Or better yet, bookmark this page to get the latest promos and updates on HSBC credit cards!


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