Fees applicable to credit and debit cards
| Card | Fee |
|---|---|
| Advance Visa Platinum Credit Card | Free (Offered as part of a proposition) |
| Advance Visa International Debit Card | Free (Offered as part of a proposition) |
| Card | Advance Visa Platinum Credit Card |
|---|---|
| Fee |
Free (Offered as part of a proposition) |
| Card | Advance Visa International Debit Card |
| Fee |
Free (Offered as part of a proposition) |
| Card | Debit cards | Credit cards |
|---|---|---|
| First additional card | Free |
Free |
| Second and subsequent cards | Free |
€25.00 p.a. |
| Card | First additional card |
|---|---|
| Debit cards |
Free |
| Credit cards | Free |
| Card | Second and subsequent cards |
| Debit cards |
Free |
| Credit cards | €25.00 p.a. |
| Withdrawal type | Debit cards | Credit cards |
|---|---|---|
| From HSBC Bank Malta p.l.c. | Free |
0.3% on amount withdrawn (minimum €0.60 per transaction) |
| From non-HSBC Bank Malta p.l.c. (locally and abroad) |
Free |
1% on amount withdrawn (minimum €5.00 per transaction) |
| Withdrawal type | From HSBC Bank Malta p.l.c. |
|---|---|
| Debit cards |
Free |
| Credit cards |
0.3% on amount withdrawn (minimum €0.60 per transaction) |
| Withdrawal type |
From non-HSBC Bank Malta p.l.c. (locally and abroad) |
| Debit cards |
Free |
| Credit cards | 1% on amount withdrawn (minimum €5.00 per transaction) |
| Withdrawal type | Debit cards | Credit cards |
|---|---|---|
From non-HSBC Bank Malta p.l.c. (locally and abroad) |
Free |
1% on amount withdrawn (minimum €5.00 per transaction) |
| Withdrawal type |
From non-HSBC Bank Malta p.l.c. (locally and abroad) |
|---|---|
| Debit cards |
Free |
| Credit cards |
1% on amount withdrawn (minimum €5.00 per transaction) |
| Outcome | Debit cards | Credit cards |
|---|---|---|
| Where our investigations show that the transaction was correct and/or the entry was not a result of any error by the bank/merchant | €25.00 Inclusive of VAT |
€25.00 Inclusive of VAT |
| Outcome | Where our investigations show that the transaction was correct and/or the entry was not a result of any error by the bank/merchant |
|---|---|
| Debit cards |
€25.00 Inclusive of VAT |
| Credit cards |
€25.00 Inclusive of VAT |
| Transaction type | Debit cards | Credit cards |
|---|---|---|
| Transactions completed in euro | Free |
Free |
| Transactions completed in a currency other than euro | 1.75% | 1.75% |
| Transaction type | Transactions completed in euro |
|---|---|
| Debit cards |
Free |
| Credit cards |
Free |
| Transaction type | Transactions completed in a currency other than euro |
| Debit cards | 1.75% |
| Credit cards | 1.75% |
| Request type | Debit cards | Credit cards |
|---|---|---|
| Statements | €1.00 per page | €1.00 per page |
| Request type | Statements |
|---|---|
| Debit cards | €1.00 per page |
| Credit cards |
€1.00 per page |
Fees applicable to credit cards only
Late payment fees
Payment amount and due date are shown on your latest statement. If payment is delayed you will be charged as follows:
First month: €5.00
Second month and monthly thereafter until payments are regularised: €15.00
You may settle your account by setting up a monthly direct debit or through your Personal Online Banking on this website.
Over limit fee
When the 'Closing Balance' on your statement exceeds your credit limit: €15.00
Reactivation of Credit Card Accounts
If your card has been suspended due to account not conducted according to the Cards Conditions of Use and is subsequently reactivated, a fee of €12.00 is charged upon reactivation.
Charges for Overseas emergency benefits
Cash disbursement: USD 100
Interest on Credit Card Accounts
Cash Advances
Cash Advances refer to any cash related payments, including but not limited to ATM withdrawals, top-ups to non-HSBC accounts/cards, cash withdrawn over the counter, purchase of gaming chips, cryptocurrencies, traveller's cheques, foreign currency and transfer of funds from credit card accounts. Please note that interest is charged on the balance on your card (which would include transaction fees as well as other card related fees) from the date on which the transactions and related fees are posted to the account, until the date on which the balance is paid in full.
Purchases
We do not charge interest on any purchases (excluding Cash Advances) if you repay the full amount you owe to us within the 56 days' grace period (ie if you repay the full amount you owe to us on that statement date by the next payment due date). We do not charge interest on any purchases shown in a statement if you repay the full amount you owe to us within the 56 days’ grace period (i.e. if you repay the full amount you owe us on that statement date by the next payment due date). However, if you do not settle your outstanding full purchase amount within the grace period, we will charge interest from the date that transaction was added to your account until the amount you owe us has been repaid in full. Interest will be calculated on a daily basis and worked out on the basis of a 360-day calendar year.
Annual Rate
The rate of interest shall be 5.75% p.a. over the Bank's Base Rate, presently 2.50% p.a., the current effective rate being 8.25% p.a., calculated on the daily debit balance. This means that assuming a credit limit of €1000 the Annual Percentage Rate 'APR' will be 8.7%.
These rates and tariffs are also in conjunction with the General Tariff.