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HSBC Credit Card

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If credit is any indication of how the economy is doing, then the Philippine economy must be faring out well. Approximately 7.7% of Filipinos – or about 7.4 million – own credit cards, and one of the major providers of the so called plastic money in the Philippines is HSBC.

HSBC is one of the world’s highly respected brands when it comes to banking and financial services. This data is based on Global Banking 500, a review of the top financial services brands in the world.

“We welcome the Brand Finance Report’s Findings that HSBC is the only AAA+ ranked brand in financial services and is the most valuable financial services brand in the world. In these difficult times, values are more important than ever to customers and they want a bank that they can trust. At HSBC, we believe that by recognizing and understanding our customers’ values and priorities in life, we can better serve them,” says HSBC Philippines’ Senior Vice President and Head of Marketing, Christopher Rourke.

Different HSBC cards for different needs

HSBC currently offers four general types of credit cards and each one offers perks and advantages for varying requirements of different users.

For instance, specialty cards like the Red MasterCard is specially tailored for women who love to shop and dine in exclusive establishments in the country and around the world. Meanwhile, the Mabuhay Miles Visa and the HSBC Mabuhay Miles Platinum Visa offer perks and rewards to travelers who like to fly with Philippine Airlines.

While each type of card offers its own set of special perks, all of them share the same general benefits that HSBC offers to all its cardholders:

  • Global acceptance. HSBC is a respected MasterCard issuer, and because it is recognized globally, you are provided with 24/7 customer support anywhere you are. You can also use your card in virtually any establishment abroad.
  • Low interest rates. HSBC credit cards have competitive interest rates and other perks like merchandise and travel rewards, attainable cash back, and value-added benefits.
  • Easy online banking. HSBC has one of the strongest online backbones in the country, so it’s safe and easy to do online banking and online transactions via the HSBC official website. There’s absolutely no need to visit an actual HSBC bank to pay your bills or check your available credit limit. Simply register online so you can have immediate access to information that matters to you, along with other helpful services and features. Once you are a member, you can view your available credit and outstanding balance, your recent transactions, and account activity. You can even request for additional credit cards or indicate additional authorized users (extensions) for your credit card.



Featured Credit Cards:

MetroBank M Free MasterCard


FEATURES:

  • NO ANNUAL FEE FOR LIFE!
  • Avail of finance charge rate of just 3.50%
  • Transfer your balance to your new Metrobank M Free MasterCard with just 0.79%
  • Get cash whenever you need it with Php300 or 3%, whichever is higher!

RCBC Bankard JCB Credit Card


FEATURES:

  • Worldwide Acceptance in more than 180 countries on all major establishments
  • Shop, dine and travel anywhere and pay in any currency required
  • Convert your outstanding balance to your new RCBC Bankard JCB Credit Card.
  • Enjoy 24/7 customer service wherever you are.
  • Get as much as 30% of your credit limit anywhere you may be!

PNB Visa Credit Card


FEATURES:

  • Apply for a PNB Visa credit card and the first year’s annual fee is FREE!
  • The PNB Visa Credit Card allows you access to over 25 million establishments all around the world!
  • Need cash? There is no need to worry as PNB Visa Credit Card lets you have cash advance anytime of the day at any PNB ATM outlets near you for emergencies!
  • Avail of financial flexibility and pay for as low as 5% of your whole purchase with their Easy Payment Terms and Installment Plans!

BPI Credit Card – PETRON MasterCard


FEATURES:

  • Pay an annual fee of Php1550 for your primary card. Plus you get FREE Php200 worth of fuel once you receive your Petron-BPI MasterCard!
  • Get FREE Full Tank every year with its 3% fuel rebate!
  • Avail of a finance charge of just 3.4%
  • Get 24-hour Roadside Assistance and Towing Service wherever and whenever you need it!
  • Relish on very exclusive privileges and discounts on car dealerships and car accessory merchants only with your Petron-BPI MasterCard!

Featured Articles:

KEEPING AWAY FROM CREDIT CARD PROBLEMS

Once used properly and efficiently, credit cards are handy and suitable devices for just about anyone who is of age. It can even assist you with upcoming activities like buying a house, getting another degree and sometimes going for a leisure trip somewhere abroad with family and friends. Before you allow your teenager or yourself to get a credit card, know some of its advantages and understand some of its procedures.

A credit card can allow you to bUy products or services which you need right now but can’t afford to pay all of it at once. Sometimes it’s often the single way to pay for hotel accommodations, car rental fees or airline tickets.

Credit cards also allow it holders to purchase items over the phone or sometimes in the internet. You can shop and pay your monthly bills in the convenience of your very home! Some credit card companies offer virtual banking that lets you shop and transact business online.

It is also safer to carry a credit card than to carry cash around wherever you go. For the most part, credit cards are very useful in instant emergencies like accidents, car breakdowns or calamities.

You could actually even give anything you purchase protection, avail of travel insurances, free miles and even cash back bonuses if you charge your transactions with your credit card.

One fact is for sure; having a credit card is convenient at times but also remember that a credit card tempts you to spend money you don’t have. Always have the sense to follow up on your credit card to avoid overspending which can give you a big headache in the future. Use your credit cards in ways that you benefit from them, not them benefiting from you!

Understand what you’re getting into before you start building up credit card balances. Once used wisely, they are an absolute help in budgeting. But if not, they will turn up to be your greatest nightmare.