HSBC Classic Credit Card
Choose a card with great advantages for travel
- 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
- 30% cash advance - of your available credit limit, if you need it. This will incur a Cash Advance fee of 3% of the amount withdrawn plus finance charges as applicable
- HSBC 0% Flexi Instalment Plan - enjoy 0% interest on monthly instalments and get great offers and discounts at Red Flag outlets
- Up to 2 supplementary cards - to share among your family members. The cards are available at no extra charge, if your card limit is shared. So no-one is ever left out of pocket
HSBC Credit Shield Plus**
In the unfortunate event of death or permanent total disability, this option waives the outstanding balance on your HSBC Credit Card. It also waives your minimum monthly instalment in the event of involuntary loss of employment for employed eligible cardholders, or temporary total disability for self-employed cardholders.
You can enjoy this benefit for just 0.65% of your monthly outstanding balance, as is shown on your monthly card statement.
Access your account, from anywhere.
- Pay your personal OIFC bills, via Internet Banking and Phone Banking. Please allow three days for your payment to be credited into your card account
- Pay your card bill quickly and easily - via Phone Banking and Internet Banking, in person at your branch or a cheque in 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 dishonoured) |
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 dishonoured) |
1 working day for cash payments 7 working days for cheque payments |
| Phone Banking | Call our Phone Banking service on 800 7 4722 to transfer money to your HSBC card account | 1 working day |
| Mailing your payment (No cash) |
Please write your HSBC Credit Card number on the reverse side of the cheque/draft and attach the bottom tear-off portion of your card statement, to ensure prompt credit into your HSBC card account | Allow sufficient time for payment to be credited to your account |
| DESCRIPTION | CHARGES |
|---|---|
| Primary card annual fee | OMR30 |
| Supplementary cards | 2 Free |
| Minimum payment | 5% of outstanding balance or OMR10 (whichever is higher) |
| Finance charges (retail transactions) | 1.5% per month |
| Finance charges (cash transactions) | 1.5% per month |
| Cash advance fee | 3% or OMR5 (whichever is higher) |
| Card replacement fee (lost) | OMR5 |
| Late payment fee | OMR10 |
| Over limit fee | OMR5 |
| Copy of sales slip | OMR10 |
| Copy of previous statement: up to 6 months old 6-12 months more than 12 months |
OMR1 OMR3 OMR5 |
| Returned cheque fee | OMR15 |
| Charge for disputing a transaction subsequently found to be genuine | OMR10 |
| Access to HSBC account through HSBC ATMs | Inside Oman: FREE Outside Oman: OMR1 per transaction |
| Access to HSBC account through MasterCard/Cirrus ATMs | OMR2 per transaction |
| Foreign currency transactions | Up to 2.6% per transaction |
| HSBC Credit Shield Plus | 0.65% of outstanding balance |
HSBC Classic Credit Card – interest-free credit on purchases for up to 56 days, and cash advances available
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