HSBC Gold Visa Cash Back

Minimum Annual Income


(P16,667 Monthly)

Interest Rate


Annual Fee


Special Promotions

Get ₱2,500 cash back!

Enjoy a ₱2,500 cash rebate on your first HSBC Gold Visa Cash Back credit card plus free annual fees forever! Apply now.

Get a ₱2,500 cash rebate with your new HSBC Gold Visa Cash Back. Hurry! Promo runs until July 31, 2021 only.

The cash rebate is open to individual applicants applying for a new primary HSBC Gold Visa Cash Back credit card within the promo period and who have no existing nor cancelled HSBC credit cards. For more information, click here.

Product Summary


HSBC Gold Visa Cash Back

Earn 5% cash back on dining transactions and a 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
  • 1% Back to School 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 FeeP2,500 / year
Monthly Effective Interest Rate2%
Cash Advance Monthly Effective Interest Rate2%
Minimum Amount Due4%
Cash Advance Fee P200 / 0%

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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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