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HSBC Red Credit Card
HSBC
An online-spend card with a conservative 0.4% base RewardCash rate and no annual fee.
- Annual fee
- Waived
- Minimum income
- HK$120,000
- FX fee
- 1.95%
- Network
- mastercard
Last updated: 1 September 2026
Official issuer detailsEarn rates
| Category | Rate | Cap |
|---|---|---|
| online | 4% | HK$400 |
| general | 0.4% | No cap |
Eligibility
Minimum annual income HKD120,000. Online spend earns 4% on the first HKD10,000 per month (HKD400 monthly reward cap), then 0.4%; designated merchants earn 8% on the first HKD1,250 per month, then 0.4%. The up-to-HKD650 HSBCRED welcome offer runs through 30 November 2026; eligibility and transaction rules apply.
FAQ
What is the annual fee for HSBC Red Credit Card?
HSBC Red Credit Card has no annual fee.
What is the minimum income requirement for HSBC Red Credit Card?
The minimum annual income requirement for HSBC Red Credit Card is HK$120,000.
What is the foreign currency fee for HSBC Red Credit Card?
The foreign currency transaction fee for HSBC Red Credit Card is 1.95%.