Consolidated Terms and Conditions
Terms and conditions
Propositions
Deposits & Debit card
HSBC Account User Agreement - valid until 27 January 2026
HSBC Account User Agreement - effective from 28 January 2026
(previously known as T&Cs Governing Personal Deposit Accounts, Renminbi Deposit Account T&Cs, The HSBC Debit Card Cardholder's Agreement, and Phone Banking Services T&Cs)
Time Deposits
Credit cards
HSBC Advance Credit Card Cashback Programme terms and conditions
HSBC Live+ Credit Card Quarterly Cashback Programme terms and conditions
HSBC Premier Mastercard Credit Card Terms and Conditions
HSBC Premier Mastercard Savour Dining Programme terms and conditions
HSBC Revolution Credit Card Reward Points Programme terms and conditions
HSBC TravelOne Credit Card Reward Points Programme terms and conditions
HSBC TravelOne Credit Card Mastercard Travel Pass by DragonPass Programme terms and conditions
HSBC Visa Infinite terms and conditions
HSBC Visa Platinum Quarterly Cash Rebate Programme
Terms and Conditions relating to HSBC Spend Instalment (effective from 31 March 2025)
Terms and Conditions relating to HSBC Balance Transfer (effective from 31 March 2025)
Credit Card Instalment Plan Terms & Conditions (Effective from 31 March 2025)
ENTERTAINER with HSBC Terms and Conditions
Terms and Conditions relating to HSBC Cash Instalment Plan (effective from 31 March 2025)
Rewards Programme Terms & Conditions (Effective from 31 March 2025)
OTP Service for Online Purchases Terms & Conditions (effective from 31 March 2025)
Loans
Personal Line of Credit Auto Top-up Terms & Conditions (Effective from 31 March 2025)
Terms and Conditions Governing Debt Consolidation Facility (Effective from 31 March 2025)
Debt Consolidation Loan Promotion Terms and Conditions (Effective from 1 October 2025)
Property Loan Standard Terms (Effective 31 March 2025)
Australian Property Loan Standard Terms (Effective 31 March 2025)
Wealth and Investments
Investment Terms (Effective from 29 June 2026)
Investment Terms (Effective until 28 June 2026)
Terms and conditions relating to Dual Currency Plus apply (effective from 31 March 2025)
Terms and conditions relating to HSBC FX Order Watch apply (effective from 31 March 2025)
Note: This is the latest version of the Terms and Conditions for FX Order Watch Services and Terms and Conditions for FX Rate Alerts Services, which supersedes all prior versions in their entirety with immediate effect (whether such versions are hosted on our website, mobile app or other channels).
Global View Terms & Conditions
Additional Terms for Investment Funds Transactions
HSBC Forex Club (“Programme”) Terms and Conditions
Insurance
Online and Mobile Banking
Servicing
SGFinDex
Wealth Portfolio Lending
Lombard Lending
Premier July Promotion (for invited clients only)
Premier August Promotion (for invited clients only)
Premier September Promotion (for invited clients only)
Premier October Promotion (for invited clients only)
Premier November Promotion (for invited clients only)
Premier December Promotion (for invited clients only)
Please note that the above is not an exhaustive list of terms and conditions for all our products. If you have any queries or require assistance, please contact us or call us on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas.