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HSBC Credit Cards FAQs

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General Frequently Asked Questions:

Frequently Asked Questions for Product Information:

Frequently Asked Questions for Servicing Information:

General FAQs

How do I apply for an HSBC credit card?

I've applied for an HSBC credit card, how can I check on the status of this?

You can call us on our Customer service hotline or email us on creditcards@hsbc.com.lk or you may write to us on P.O. Box 73 Colombo, with your application reference number or National Identity Card (NIC) Number.

I've applied for an HSBC credit card and received an error message. What should I do?

You can call us on our Customer service hotline or email us on creditcards@hsbc.com.lk or you may write to us on P.O. Box 73 Colombo.

How long will it take to process my HSBC credit card application?

  • HSBC Premier credit cards : Primary card - 1 bank working day1 / Supplementary card - 1 bank working day1
  • HSBC Advance credit cards : Primary card - 3 bank working days1 / Supplementary card - 2 bank working days1
  • HSBC Visa Signature credit cards : Primary card - 2 bank working days / Supplementary card - 2 bank working days1
  • HSBC Visa Platinum credit cards : Primary card - 3 bank working days1 / Supplementary card - 3 bank working days1
  • HSBC Visa Gold credit cards : Primary card - 4 bank working days1 / Supplementary card - 3 bank working days1

1 Subject to all documentation is completed

What documentation do I need to provide when applying for an HSBC credit card?

The following documents are required when applying for any HSBC credit card:

  • Duly filled Application Form
  • A copy of the National ID/Passport
  • Salary Slip
  • Letter from Employer confirming Salary
  • Billing proof (i.e. telephone bill, water bill or electricity bill)

Further, documentation may be required depending on the basis which you are applying

Will I receive a PIN?

Yes. A Personal Identification Number (PIN) will be sent to you via Post once the credit card has been approved

Can I change my PIN?

Yes. You can change your PIN via any HSBC ATM, at any given time.

Product Information

What fees and charges are linked to the credit card?

Primary Annual Fee: 

  • HSBC Visa Signature - LKR7,000
  • HSBC Platinum - LKR4,250
  • HSBC Gold - LKR2,500 

For other Fees & Charges please refer the Personal Banking Tariff

How many additional cards can I add to my existing HSBC credit card?

You can add up to 3 additional cards, provided they are your immediate family members.

Where can I use my HSBC credit card?

You can use your HSBC credit card at any payment point which accepts Visa / Mastercard credit cards as a payment mode

What is the Card Verification Value (CVV) number?

The number following your 16 digit credit card number at the reverse of your credit card

Servicing Information

Where can I access my HSBC credit card Statements?

Your monthly statement will be delivered to you via the channel chosen by you. However, should you wish to view your statement, you can log in to Personal Internet Banking and request for same or request for same via any HSBC ATM or Call us on the number provided at the back of your credit card and request for same.

How do I register for eStatements?

A written request can be handed over to our branches or posted to us (P.O. Box 73, Colombo). You can also submit a request via Personal Internet Banking (contact centre) or by calling the number given at the reverse of your credit card.

What should I do if I have lost my HSBC credit card?

Report the loss of your credit card immediately to the Bank. 3 easy steps to report:

  • Dial our Customer Service hotline +94 11 4 4722 00
  • Press 1 - for English
  • Press * (Star) - to report a lost card

What should I do if I suspect there has been fraudulent activity on my credit card?

You need to call our 24hr call centre number provided on the reverse of your credit card and inform us of the suspected transaction on your credit card.

How do I set up a direct debit to pay my credit card account?

You can visit any of our branches and open a demand deposit account. Thereafter you can submit a request to set up a direct debit for your account via the Branch or via Personal Internet Banking service.

What do I do if my HSBC credit card is damaged?

Please call our 24 call centre on the number provided at the reverse of your credit card and request for a replacement credit card.

Will I automatically receive a new HSBC credit card if my existing credit card is about to expire?

Yes. You will receive a new credit card 30 days prior to the expiry of your existing credit card.

How can I increase or decrease my credit limit?

Please call our 24 call centre on the number provided on the reverse of your credit card and submit a request for same.

How can I apply for additional cardholder/s?

You can apply online or call us on the number given at the back of your credit card.

Can I use my HSBC credit card overseas?

Yes. You can use your HSBC credit card at any payment point which accepts Visa credit cards as a payment mode.

Can I use my HSBC credit card at any ATM to withdraw cash?

Yes. You can use your HSBC credit card at any ATM which is on the Visa network to withdraw cash.

What is the maximum amount I can withdraw from an ATM?

  • HSBC Premier - LKR 200,000/-
  • HSBC Advance Platinum - LKR 150,000/-
  • HSBC Visa Signature - LKR 200,000/-
  • HSBC Visa Platinum - LKR 150,000/-
  • HSBS Visa Gold - LKR 100,000/-

How can I close my HSBC credit card account?

A written request can be handed over to our branches or posted to us (P.O Box 73,Colombo). You can also submit a request via personal internet banking or by calling our hotline number which is mentioned on the back of your credit card.

Things to note

  • Please be informed that any transactions and/or bank charges (including interest, stamp duty) already borne by you but not billed to your credit card account as at date, will be immediately payable no sooner it is debited to your credit card account. You will receive a statement for the relevant period and we would appreciate if arrangements are made to settle the outstanding as indicated in your statement.
  • Any existing credit card settlement instructions (Standing Instructions) will be terminated with the closure of the card account.
  • If you have nominated the closed credit card for any standing instruction payments to third parties, may we advise you to cancel these instructions immediately, in your own interest.
  • For security reasons please destroy the credit card by cutting it into four.

How do I change my personal details?

A written request can be handed over to our branches or posted to us (P.O. Box 73, Colombo). You can also submit a request via Personal Internet Banking (contact centre) or by calling the number given at the reverse of your credit card.

How do I make an HSBC credit card insurance claim?

You will need to contact the insurance company direct for any claims.

I can't remember my PIN, what should I do?

A written request can be handed over to our branches or posted to us (P.O. Box 73, Colombo). You can also submit a request via Personal Internet Banking (contact centre) or by calling the number given at the reverse of your credit card.

How do I query a transaction on my credit card statement?

A written request can be handed over to our branches or posted to us (P.O. Box 73, Colombo). You can also submit a request via Personal Internet Banking (contact centre) or by calling the number given at the reverse of your credit card.

How can I stop a recurring credit card transaction?

A written request can be handed over to our branches or posted to us (P.O. Box 73, Colombo). You can also submit a request via Personal Internet Banking (contact centre) or by calling the number given at the reverse of your credit card.

Online Payment Services

Keeping your transactions secure does not have to be complicated.

You can now receive a one-time password (OTP) sent to your registered mobile number and use it to authenticate payments made online with your HSBC Debit or Credit Card.

Click here for more details.

Any other imparted information can be found on Important Updates on Your Credit Card.

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