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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:

Landmark – Anson’s Card


FEATURES:

<ul>
<li>Free membership for 12 months</li>
<li>Lowest monthly fee of Php80 per month</li>
<li>Earn rewards when using your cards and exchange them for free gift certificates</li>
<li>Avail of Weekly Wednesday discounts</li>
</ul>

MABUHAY MILES PLATINUM CREDIT CARD


FEATURES:

  • Get free Miles with the lowest point conversion ever to hit the market with only Php38!
  • Gain access to your credit card account anywhere in the world!
  • Enjoy as much as 30% of your credit limit in My Ally Instant Cash
  • Also enjoy a revolving Interest Rate of only 3.25%!

Mabuhay Miles VISA Platinum


FEATURES:

  • Annual fee of Php5000 and Php2500 for the supplementary cardsEarn free miles with everything you buy.

  • Get insurance for up to Php20,000,000 for your whole family when traveling anywhere.

  • Earn 1 point for just Php35 worth of purchase.

EASTWEST BANK CREDIT CARD


FEATURES:

&lt;ul&gt;
&lt;li&gt;Global Reception. Shop and travel around the world with your EastWest Bank Credit Card and enjoy unlimited control in almost 30 million international establishments all around the world.&lt;/li&gt;
&lt;li&gt;To keep your foreign currency intact, all purchases you have, whether they may be local or international, will be funded in the Philippine peso.&lt;/li&gt;
&lt;li&gt;Enjoy Finance charge of 3.50% per month&lt;/li&gt;
&lt;li&gt;Cash advance of 5% or Php300 whichever is higher&lt;/li&gt;
&lt;li&gt;Avail of the Free Family Accident and Dismemberment Protection&amp;nbsp;&lt;/li&gt;
&lt;/ul&gt;

Featured Articles:

MANAGE YOUR MONEY: USE YOUR CREDIT CARD WISELY

Like majority of things in life, credit cards give us power that we could use to maximize our way of living. We should learn to use it wisely to avoid any hassles in the future.

But what are really the advantages of having a credit card? We, at comparecreditcards.com, did a survey about the merits of having a credit card and you will be surprised at what came out…

It is a lot easier to buy things with a credit card. It gives you purchasing power that can let you buy things without you having to carry huge amounts of cash around.

You get added security if in case something you bought got lost, stolen or damaged. With both your credit Card Company and your credit card statement guaranteeing you made the purchase, you could actually get insurance on whatever you bought.

Having a good credit history not only helps you apply for a new credit card, but also helps you build a solid financial foundation when applying for other things like loans or sometimes even jobs.

Although we should avoid any expenses that is way out of our budget, it is sometimes unavoidable due to emergencies like fire, floods and the like. But the worst thing is it leads to large purchases in huge amounts of money. With a credit card, you can use money with cash advances and worry about paying it later once you’re back on track.

In addition to those, a credit card also presents further benefits like discounts, free air miles and insurances. But you have to remember that credit card companies start making money once you can’t afford paying off your charges!

The benefits of having a credit card are real and are very helpful on the condition that you take into account your spending limits.

Life is made easier with a credit card, but if used unwisely, they become financial break downs for you. If you do decide to get yourself a credit card, keep in mind these following rules:

  • Track all of your purchases.
  • Never spent beyond your budget.
  • Settle your balance at the due date.

Always bear in mind the responsibility of having a credit card. Spend within your budget and use it wisely.