The HSBC Advance credit card is a credit card that caters to all your needs. Find out what makes it a card worth having and whether it’s a card that you should get. Here are just some of the features that you will enjoy from this card.
| HSBC Advance Credit Card | |
| Primary card annual fee | 2,500 PHP |
| Supplementary card annual fee | 1,250 PHP |
| Monthly interest | 3.20% |
| Eligibility requirement | Total Relationship Balance of 100,00 PHP or at least 2 million PHP mortgage loan |
Earn rewards 4x faster for your online shopping
Do you like to shop online and scour the internet for the best online offers? Receive 4 Bonus Points when you use your HSBC Advance for online purchases or transactions with every 15 PHP you spend.
Use your card in-store and earn 1 Bonus Point for every 15 PHP on all other spending.
You also earn 1 air mile for every 34 PHP you spend – which you can redeem for Asia Miles or KrisFlyer Miles. Perfect for cardholders who love to travel and get big savings.
Did you know that you can also pay your utility bills online with your card and earn Bonus Points? No need to queue up at payment centers or pay over the counter!
Get savings on fuel
When you gas up at participating Caltex stations for the first time with your HSBC Advance card, you get a 6% rebate.
Use your card to fuel up any time of the year to enjoy a 3% rebate on your credit card bill as well.
All your fuel spending also earns Bonus Points that you can redeem for exclusive items or air miles.
This is great for all motorists because you don’t need to apply for another credit card with exclusive fuel-only benefits.
Enjoy rewards and perks anywhere in the world
You can take advantage of exclusive offers and discounts from over 27,000 partner establishments in over 160 countries under the home&Away Privilege Programme.
For example, when you shop with your HSBC Advance card on Zalora, you can enjoy a 12% discount with a minimum spend of 500 PHP. This is valid until December 31, 2019.
When you book your trip to Vietnam, Singapore, or Indonesia via Expedia.com, you can enjoy a 10% discount on your booking.
Get 9% off on your booking to Vietnam, Hong Kong or Macau, and 8% off on your travel booking to Taiwan or the Philippines. This offer is valid until December 31, 2019.
If you choose to book via Agoda.com, you can also enjoy an extra 7% discount when you book until December 31, 2019.
Enjoy zero interest on HSBC Advance’s card instalment plan
There are some things that you’d rather pay for in installments. With the card instalment plan, pay for big-ticket items at participating establishments in easy and affordable terms at zero interest. You can pay for your items up to 36 months.
Here are just some of the things that you can purchase in instalments at particular establishments.
| Computers and gadgets
Electronics, appliances |
Abenson, Ansons, Ambassador Appliances, AV Surfer, Automatic Centre, Avid, Coleman, Camerahaus, Electroworld, Dyson, Fone Style, Fissler, Globe, Insinkerator, Henry’s Cameras, KitchenAid, iSwitch, Memoxpress, Manila Imperial, Perfect Shot, PC Express, Premium Style Electronics, Powermac, Robinson’s Savers, Robinson’s Appliances, SM Appliance Center, Silicon Valley, Tempur, TCA Digital, Western Appliances, Villman, |
| Department stores | W Department Store, The SM Store, Rustan’s Department Store,
Robinson’s Dept Store |
| Supermarkets and food stores | SM Hypermarket, Savemore Market, SM Supermarket |
| Beauty, health, and wellness | Svenson, Belo Medical Group, Medical City, Marie France, Facial Care |
| Home furnishing | Abenson Home, Ace Hardware, Ace Express, Ace Builders, Blims, Crate & Barrel, Habitat, Robinson’s Builders, Our Home, Handyman, Zwilling, True Value, |
| Clothing and retail boutiques | Adora, Adidas, Calvin Klein Platinum, Bata Shoes, Crocs, Ecco, Forever 21, Denovo, Innisfree, Hermes, Levi’s, New Balance, Kultura, Joseph, Rustan’s Redtag Store, Miladay, Robinson’s Fashion Affiliates (Burton, Dorothy Perkins, Miss Selfridge, Topman, Topshop, Warehouse), Simply Shoes, Sfera, Surplus, The Body Shop, Sports Central, Uptrend Fashion – Surplus, Tiffany, Uniqlo, Under Armour |
You can also charge your Philippine Airlines tickets and pay it off in 3, 6, and 9 monthly instalments at 0%. Booking must be done via the official Philippine Airlines website at www.philippineairlines.com.
The minimum spend requirement is 100,000 PHP to avail of the 9 months instalment plan. For the 6 months instalment plan, the minimum spend is 50,000 PHP. Meanwhile the 3 months instalment plan has a minimum spend is 20,000 PHP.
Take note – this offer is only valid until December 31, 2019.
You can also enjoy up to 70% off on select items at Crate & Barrel – with an additional 10% discount on sale items and 20% discount on regular-priced items. This offer is also valid until December 31, 2019.
Retail aside, the Belo Medical Group offers 0% instalment plans as well. You can get up to 12 months with 0% when you spend a minimum of 100,000 PHP, 6 months when you spend 25,000 PHP, and 3 months when you spend 10,000 PHP. Again, this offer is only valid until December 31, 2019.
Conclusion
The HSBC Advance is a credit card that caters to all your spending needs. It offers a lot of great perks and discounts for everyday spending.
It also has a low finance charge of 3.20% per month, making it possible for you to save more and allocate more funds to your essential spending.
But it’s not an entry level credit card – we recommended it for Filipinos with a lot of disposable income.
HSBC Advance’s Bonus Points also have an expiry and are only valid for 3 years. This can be a disadvantage for some Filipinos who want to redeem items that require a lot of Bonus Points but only use the card for essential spending.
Do you think this card is right for you? Which features did you like best? Let us know and share your thoughts in the comments!