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HSBC

HSBC Gold Credit Card

HSBC Gold Credit Card

With HSBC Credit Cards, you get the exclusive HSBC Entertainer mobile App with over 8,000 'Buy 1 Get 1 Free' offers in 15 countries, Find out more

 

  • Settle your monthly outstanding balance in full and get up to 56 days interest-free credit on purchases
  • Low monthly interest rate of 1.5% on retail purchases
  • Cash advance of up to 40% of your available credit limit
  • Get 0% interest with HSBC 0% Flexi Instalment Plan - on monthly instalments and receive great offers and discounts at Red Flag outlets
  • Up to two supplementary cards available for family members - the cards are free of charge and have a shared limit, ensuring that your loved ones are never left in a bind

 

Access your account, from anywhere.

  • Pay your personal OIFC bills via phone banking and internet banking. Allow three days for your payment to be credited in your card account
  • Pay your card bill quickly and easily, by visiting your branch in person, through our phone and internet banking services, or by putting a cheque in the post. See the table below for further details on your easy payment options
Easy payment options How to pay your HSBC Gold Credit Card bill: How long it takes to be credited to your account
Free autopay service Call 800 7 4722 (Phone Banking) 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 Gold Credit Card bill by depositing cash in HSBC cash deposit machines in 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 (Phone Banking) to transfer money to your HSBC Card account 1 working day

 

DESCRIPTION CHARGES
Primary card annual fee OMR30
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) OMR5
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

Credit Shield Plus
Credit Shield Plus (CSP) is an optional insurance cover that you can apply for if you have an HSBC Credit Card issued by HSBC Bank Oman S.A.O.G (HSBC).
It provides insurance cover for the situation where you are unable to pay your credit card debts in the event of:

  • Loss of life
  • Permanent Total Disability
  • Critical Illness
  • Involuntary Loss of Employment (for salaried cardholders only)
  • Temporary Total Disability (for self-employed cardholders only)

You can apply for CSP provided:

  • you are a primary credit cardholder of an HSBC Credit Card issued in the Sultanate of Oman;
  • you hold the card as an individual and not as a representative of a corporation;
  • you are between the age of 18 and 64; and
  • you hold a valid residency visa issued in the United Arab Emirates

Premium
The monthly premium will be 0.60% of the monthly outstanding balance on your HSBC Credit Card. If you do not have an outstanding balance on your HSBC Credit Card statement date, then there would be no charge for CSP that month.

Please refer to the Terms & Conditions for more details

Your Supplementary Gold Credit Card offers a number of benefits you can share among your family and friends.

Your Supplementary Credit Card offers:

  • No Annual Fees
    Enjoy 2 Free supplementary cards with no annual fees
  • Free HSBC Entertainer Mobile App
    Free download of our ’Buy 1 Get 1 Free’ mobile app with over 8,000 offers across 15 countries
    Find out more

Choose HSBC Gold Credit Card and receive up to 56 days interest-free credit on purchases, plus added protection.

Ready to apply? Have us call you

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.

Credit Shield Plus is provided by American Life Insurance Company (MetLife).


Arabic

HSBC Gold Credit Card

With HSBC Credit Cards, you get the exclusive HSBC Entertainer mobile App with over 8,000 'Buy 1 Get 1 Free' offers in 15 countries, Find out more

Overview

  • Settle your monthly outstanding balance in full and get up to 56 days interest-free credit on purchases
  • Low monthly interest rate of 1.5% on retail purchases
  • Cash advance of up to 40% of your available credit limit
  • Get 0% interest with HSBC 0% Flexi Instalment Plan - on monthly instalments and receive great offers and discounts at Red Flag outlets
  • Up to two supplementary cards available for family members - the cards are free of charge and have a shared limit, ensuring that your loved ones are never left in a bind

Payments

Access your account, from anywhere.

  • Pay your personal OIFC bills via phone banking and internet banking. Allow three days for your payment to be credited in your card account
  • Pay your card bill quickly and easily, by visiting your branch in person, through our phone and internet banking services, or by putting a cheque in the post. See the table below for further details on your easy payment options

 

Easy payment options How to pay your HSBC Gold Credit Card bill: How long it takes to be credited to your account
Free autopay service Call 800 7 4722 (Phone Banking) 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 Gold Credit Card bill by depositing cash in HSBC cash deposit machines in 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 (Phone Banking) to transfer money to your HSBC Card account 1 working day

Fees & Charges

DESCRIPTION CHARGES
Primary card annual fee OMR30
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) OMR5
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

Supplementary Card

Your Supplementary Gold Credit Card offers a number of benefits you can share among your family and friends.

Your Supplementary Credit Card offers:

  • No Annual Fees
    Enjoy 2 Free supplementary cards with no annual fees
  • Free HSBC Entertainer Mobile App
    Free download of our ’Buy 1 Get 1 Free’ mobile app with over 8,000 offers across 15 countries
    Find out more

Protection

Credit Shield Plus
Credit Shield Plus (CSP) is an optional insurance cover that you can apply for if you have an HSBC Credit Card issued by HSBC Bank Oman S.A.O.G (HSBC).
It provides insurance cover for the situation where you are unable to pay your credit card debts in the event of:

  • Loss of life
  • Permanent Total Disability
  • Critical Illness
  • Involuntary Loss of Employment (for salaried cardholders only)
  • Temporary Total Disability (for self-employed cardholders only)

You can apply for CSP provided:

  • you are a primary credit cardholder of an HSBC Credit Card issued in the Sultanate of Oman;
  • you hold the card as an individual and not as a representative of a corporation;
  • you are between the age of 18 and 64; and
  • you hold a valid residency visa issued in the United Arab Emirates

Premium
The monthly premium will be 0.60% of the monthly outstanding balance on your HSBC Credit Card. If you do not have an outstanding balance on your HSBC Credit Card statement date, then there would be no charge for CSP that month.

Please refer to the Terms & Conditions for more details

 

Choose HSBC Gold Credit Card and receive up to 56 days interest-free credit on purchases, plus added protection.

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.

Credit Shield Plus is provided by American Life Insurance Company (MetLife).

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