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HSBC

Cards online security

Experience extra levels of online security with HSBC Cards

Make secure online purchases with your HSBC Cards

HSBC now offers you even more protection when shopping online. We have partnered with Visa® and MasterCard® to provide you with an additional layer of online shopping security when using your HSBC Debit and Credit Cards.

Thanks to Verified by Visa® and MasterCard® SecureCodeTM, using your HSBC Debit and Credit Cards online is now even more secure.

How Verified by Visa® / MasterCard® SecureCodeTM works:

  • Shop online at participating retailers who show the Verified by Visa® and/or MasterCard® SecureCodeTM logo
  • You will see a message asking you to input a PIN
  • You can choose Static PIN or One Time PIN (OTP) to confirm the transaction. (Static PIN & OTP details below)
  • The transaction will be confirmed on successful entry of the PIN

Static PIN is a Pin that you generate during the first online transaction and can be used in all other transactions.

OTP is a One Time PIN which will be sent to your registered mobile phone via SMS.

It’s never been more important to update your details

HSBC Online Security in association with Verified by Visa® and MasterCard® SecureCodeTM will only work effectively if we have an up-to-date mobile phone number for your primary and supplementary cards. Please take a minute to make sure all your details are correct.

Updating your contact details is as easy:

1. Log in to your Personal Online Banking account and update your contact details; or
2. Call us on our Telephone Banking numbers and follow the instructions to update your contact details; or
3. Visit your nearest branch or customer service unit and update your contact details by filling in a form.

It's that simple

How you can stay safe when you shop online

  • Make sure your device is protected – do you have anti-virus software installed plus the latest browser?
  • Always log off after shopping online – especially if you’re on a shared computer
  • Look for the padlock – a padlock symbol in the corner of your browser window means your information is secure
  • Make sure HSBC has an up-to-date mobile phone number as Verified by Visa® and MasterCard® SecureCodeTM will only work effectively if we have the right mobile phone number for you.

What is Verified by Visa® / MasterCard® SecureCode™?

Verified by Visa / MasterCard SecureCode is provided to you by Visa / MasterCard and HSBC. It provides added security when you shop online against unauthorised use of your enrolled card.

How does Verified by Visa / MasterCard SecureCode work?

Every time you make an online purchase at a participating retailer, a screen will show where you will be able to request a One Time PIN (OTP) or a Static Pin (that you choose). The 6 digit OTP will be sent to your mobile phone number registered with us. This OTP or your Static Pin will need to be input on the space provided for the OTP/Static Pin. When you correctly enter your OTP/ Static Pin, HSBC confirms that you are the authorised Cardholder and your purchase is completed.

How does Verified by Visa / MasterCard SecureCode protect me?

When you correctly enter your OTP / Static Pin during an online purchase at a participating retailer, you confirm that you are the authorised Cardholder and your purchase is then completed. If the correct OTP / Static Pin is not entered, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that retailer.

Is Verified by Visa / MasterCard SecureCode easy to use?

Yes. When you make an online purchase and enter your card payment information, a screen from HSBC will automatically appear and prompt you to request for a OTP/ Static Pin which will be 6 digits. The OTP will be sent to your mobile phone number registered with us. The OTP / Static Pin will need to be input on the space provided for the OTP/ Static Pin. When you correctly enter your OTP/ Static Pin, HSBC confirms that you are the authorised Cardholder and your purchase is completed.

Will I need to get a new Card to use Verified by Visa / MasterCard SecureCode?

No, there is no need to get a new Card. Verified by Visa / MasterCard SecureCode works with your existing HSBC Cards.

What are the system requirements for Verified by Visa / MasterCard SecureCode?

Verified by Visa / MasterCard SecureCode works with most browsers. You should be sure that Java Script is enabled; if it isn’t, Verified by Visa / MasterCard SecureCode may not work properly.

Can I use Verified by Visa / MasterCard SecureCode from any computer?

Yes. There's no special software to install, so you can shop from any computer and still receive the added protection provided by Verified by Visa / MasterCard SecureCode. This would also work from Tablets / Smartphones as well.

What happens when my card expires?

All the cards issued by HSBC are automatically registered for Verified by Visa / MasterCard SecureCode. If your card has expired, the Verified by Visa / MasterCard SecureCode will not work. Once you receive the renewed credit card, the Verified by Visa / MasterCard SecureCode by Visa would work. The renewed cards are sent a couple of months prior to expiry of your card.

What happens if I cancel my existing card then get a new one with a different account number from HSBC?

All cards issued by HSBC are registered for Verified by Visa / MasterCard SecureCode. Once you start using the new HSBC Card issued to you, Verified by Visa / MasterCard SecureCode would work for the card.

Do I need to register for Verified by Visa / MasterCard SecureCode?                                               

All cards issued by HSBC are pre-registered for Verified by Visa / MasterCard SecureCode. Once you start using the new HSBC Card issued to you, Verified by Visa / MasterCard SecureCode would work for the card.

If I have a Supplementary Card, Will Verified by Visa / MasterCard SecureCode work for that as well?

All cards, primary or supplementary cards, issued by HSBC are registered for Verified by Visa / MasterCard SecureCode. The process for Verified by Visa / MasterCard SecureCode remains the same for Primary and Supplementary cards. The OTP would be sent to the mobile phone number registered for HSBC for the supplementary card number.

Is my OTP case sensitive?

No, the OTP is only numeric and will be sent to your registered mobile phone number with HSBC.
Shopping with Verified by Visa / MasterCard SecureCode

How do I use my Verified by Visa / MasterCard SecureCode password?

There is no need to log on or sign in. Every time you make an online purchase at a participating retailer, a screen will show where you will be able to request for the OTP/ Static Pin. The 6 digit OTP which will be sent to your mobile phone number registered with us. The OTP will need to be input on the screen on the space provided for the OTP/ Static Pin. When you correctly enter your OTP/ Static Pin, HSBC confirms that you are the authorised Cardholder and your purchase is completed.

How will Verified by Visa / MasterCard SecureCode impact my purchase?

Aside from the added protection that Verified by Visa / MasterCard SecureCode provides, the only impact to your purchase will be that you will need to type in your OTP/ Static Pin, which you will be sent to the mobile registered with HSBC on your request, when the request box pops up and then wait a few seconds while HSBC confirms the transaction.

Do I have to register or log on before shopping?

No. Verified by Visa / MasterCard SecureCode works automatically at participating retailers. There is no special log on required. Simply shop online as you normally do, enter the enrolled card payment information, and when you are at the final step of your purchase on a participating retailer's site, the OTP/ Static Pin request screen will appear automatically.

What should I do if I purchase online but no Verified by Visa / MasterCard SecureCode request screen appears?

You should do the following:

  • Make sure you are entering the payment information for your enrolled card and have submitted a final checkout request.
  • Be sure your Internet settings are set to enable Java Script.
  • If you have checked 1 and 2 above and continue to experience difficulty, please contact HSBC at the number on the reverse of your Card or on the HSBC website.

Can I make a purchase at retailers that accept Verified by Visa / MasterCard SecureCode but do not participate in the Verified by Visa / MasterCard SecureCode service?

Yes, but you will not be asked for your Verified by Visa / MasterCard SecureCode OPT/ Static Pin at these retailers. To complete your purchase, simply follow the traditional checkout process.

How will the online retailer know that my card is protected by Verified by Visa / MasterCard SecureCode?

When you use a Card you have enrolled in the Verified by Visa / MasterCard SecureCode service at participating online retailers, your Card number is automatically recognized via a Visa / MasterCard directory.

How do I know whether a retailer participates in Verified by Visa / MasterCard SecureCode or not?

Participating retailers will display the Verified by Visa / MasterCard SecureCode logo on their site. You can also click on the merchant link on the home page of the retailer to view a list of participating retailers.

What happens if I did not receive my One Time Password (OTP)?

The One Time PIN (OTP) is sent to the registered mobile phone number with HSBC.

If the mobile phone number registered with us is incorrect, please update your mobile phone number by calling the number on the reverse of your Card or on the HSBC website. You can alternately visit any of our branches or Customer Service Units to update the mobile phone number. The service will not be available immediately. You will be able to complete your online transactions only after 24 hours of updation of your mobile phone number with HSBC.

If you still face problems in receipt of the OTP, please contact HSBC at the number on the reverse of your Card or on the HSBC website and register a complaint.

What happens if I input the wrong OTP/ Static Pin by mistake?

The transaction will not go through if you input the wrong OTP/ Static Pin. Please try to input the right Static Pin or the right OTP which you have received on the registered mobile phone number with HSBC. If you input the right OTP/ Static Pin, the transaction will go through.

What happens if I input the wrong PIN thrice?

If you input the wrong PIN thrice, the transaction will not go through and transaction screen will close and you will be guided back to the merchant web page. You will have to start the transaction process again.

What happens if I input the wrong credit card number?

The transaction will be declined at the outset since the card number will not be recognized as issued by HSBC.

What happens if I am travelling overseas and not using the mobile phone number registered with HSBC?

In case you do not have a Static Pin, the OTP is sent to the registered mobile phone number with HSBC. In case you are not carrying the mobile phone number registered with HSBC, our suggestion is to register the number which you are carrying with you with HSBC by calling our Customer Services or update on the HSBC Website. Once you are back and start using the local mobile phone number, you can register that with HSBC again.

 

Security and Privacy

How does Verified by Visa / MasterCard SecureCode protect me?

Every time you make an online purchase at a participating retailer, a screen will show where you will be able to request for a One Time Pin OTP or enter your Static Pin. The 6 digit OTP which will be sent to your mobile phone number registered with us. The OTP / Static Pin will need to be input on the screen on the space provided for the OTP/ Static Pin. When you correctly enter the OTP/ Static Pin, HSBC confirms that you are the authorised Cardholder and your purchase is completed.at a participating retailer, a screen will appear automatically asking for your OTP/ Static Pin, like the bank asks for your PIN at the ATM. When you correctly enter your OTP/ Static Pin, you confirm that you are the authorised Cardholder and your purchase is completed. If the correct OTP is not supplied, HSBC must not confirm your identity and so the purchase will not go through.

How will the online retailer know that my card is protected by Verified by Visa / MasterCard SecureCode?

When you use a card which is enrolled in Verified by Visa / MasterCard SecureCode at participating online retailers, the retailer does not know that your account is protected until you complete the purchase and confirm your identity to your issuer. At that point, your issuer guarantees your purchase to the retailer, but never shares your OTP/ Static Pin.

Where can I view Terms and Conditions?

You should visit HSBC’s website for viewing the HSBC Card Terms and Conditions. You can click on the link on the HSBC Verified by Visa / MasterCard SecureCode transaction screens.

Does the service use cookies?

Yes. The Verified by Visa / MasterCard SecureCode service does use cookies. Both session cookies and permanent cookies are used.


Arabic

HSBC Classic Credit Card

Choose a card with great advantages for travel

Overview

  • Interest-free credit on purchases for up to 56 days - when you settle your monthly outstanding balance in full
  • Competitive 1.5% monthly interest rate on retail purchases
  • Cash advance on up to 30% of your available credit limit
  • HSBC 0% Flexi Instalment Plan - enjoy 0% interest on monthly instalments and get great offers and discounts at Red Flag outlets
  • Up to two supplementary cards - with a shared credit limit, your family members will never find themselves in a bind

Payments

Access your account, from anywhere.

  • Pay your personal OIFC bills through our internet and phone banking services. Please allow three days for your payment to be credited into your card account
  • Pay your card bill quickly and easily - by phone, online, in person at your branch, or by cheque through the post. See the table below for more details on other easy payment options

 

Easy payment options How to pay your HSBC Classic Credit Card bill: How long it takes to be credited to your account
Free autopay service Call 800 7 4722 to set up a standing instruction to debit your HSBC Current or Savings account every month. Pay 5% to 100% of your monthly outstanding balance 1 working day
Internet Banking
Transfer money to your credit card account 1 working day
Cash deposit machines You can instantly pay your HSBC Classic Credit Credit Card bill by depositing cash in HSBC cash deposit machines within Oman (currently in the Ruwi main branch, Qurum Branch, MQ Customer Service Centre and Muscat City Centre branch) 1 working day
ATMs Transfer money from your HSBC Current or Savings account to your HSBC Credit Card, from any HSBC ATM in Oman or worldwide

Or deposit cash or cheques at any HSBC ATMs in Oman. (You may be charged a fee if your cheque is not honoured)
2 working days for cash payments


7 working days for cheque payments
Branches Deposit cash or cheques at any HSBC branch in Oman. (You may be charged a fee if your cheque is not honoured)

1 working day for cash payments


7 working days for cheque payments
Phone Banking Call our Phone Banking service at 800 7 4722 to transfer money to your HSBC card account 1 working day

Fees & Charges

DESCRIPTION CHARGES
Primary card annual fee OMR 30
Supplementary cards 2 Free
Minimum payment 5% of outstanding balance or OMR 10 (whichever is higher)
Finance charges (retail transactions) 1.5% per month
Finance charges (cash transactions) 1.5% per month
Cash advance fee 3% or OMR 5 (whichever is higher)
Card replacement fee (lost) OMR 5
Late payment fee OMR 10
Over limit fee OMR 5
Copy of sales slip OMR 10
Copy of previous statement:
up to 6 months old
6-12 months
more than 12 months

OMR 1
OMR 3
OMR 5
Returned cheque fee OMR 15
Charge for disputing a transaction subsequently found to be genuine OMR 10
Access to HSBC account through HSBC ATMs Inside Oman: FREE
Outside Oman: OMR 1 per transaction
Access to HSBC account through MasterCard/Cirrus ATMs OMR 2 per transaction
Foreign currency transactions Up to 3% per transaction

 

We are no longer offering HSBC Classic Credit, if you wish to avail HSBC Credit Card, please apply for HSBC Visa Gold Card

The benefits and features set out above are current as at the date they appear on our website. However, they may be subject to change at any time at our discretion. We will try to notify existing customers of any changes that may impact them either in advance of the change or shortly afterwards.

Ready to apply?

Simply complete the online application form to start the process
 

Have us call you



 

Call

800 7 4722
within Oman

+968 24950601
outside Oman