Get A Business Credit Card | HSBC Fusion

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Business credit card

Convenience and flexibility

With our Business Credit Card, you can separate your personal and business spending and stay in control of your expenses with itemised statements.

The Business Credit Card is also your ideal travel companion offering you a Visa credit card, multi-trip travel insurance and the chance to earn reward points which you can redeem in favour of cashback on your card account. It also grants your business up to 56 days interest free credit (as per HSBC Business Cards Conditions of Use) to give you flexibility to manage your cash flow, and so much more.

Available now

We are pleased to discuss the HSBC Fusion service in person at one of our branches. Simply click the below button to arrange an appointment.

Apply now This link will open in a new window

Benefits

Interest free period

Up to 56 days of interest free credit as per HSBC Business Card Conditions of Use
Flexible

Choose how you want to pay - either the full balance or the minimum repayment.
Convenient

Accepted over 30 million outlets worldwide.
Reward Programme

Collect reward points which will be converted as cashback direct to your card account. You do not need to remember to redeem your points, as we will deposit €20 cashback in your card account with every 5,000 points earned.

Have a question?

Call our Contact Centre on +356 2380 2389

We’re here from 08:00-16:00, excluding Sundays and public holidays.

Loyalty reward points

Every time you use your Business Credit Card to pay for your purchases, you will earn reward points which will be converted into cashback direct to your card account. You do not need to remember to redeem your points, as we will deposit €20 cashback into your card account with every 5,000 points earned.

Secure Online Transactions

Our cards use a two-factor authentication process to authorise online card payments. Follow the link to learn more about this feature.

Find out more

Lost or Stolen Card

We provide you with a 24 hour a day service to report your card immediately if it is lost or stolen. Remember that lost or stolen cards can be like losing money. Stop other people from using your cards by reporting any lost or stolen cards on: +356 2148 3809.

Loyalty reward points

Secure Online Transactions

Our cards use a two-factor authentication process to authorise online card payments. Follow the link to learn more about this feature.

Find out more

Lost or Stolen Card

Features at a glance

Make secure payments at your office and abroad, online, over the phone or face to face
Shop with confidence with Visa Secure when you shop online at participating merchants
Keep your cash flowing by choosing flexible repayment terms - choose to pay either the full balance or the minimum repayment by Direct Debit from your Business Account each month
Access to our network of Deposit Machines and ATMs to deposit cash notes and cheques
Additional cards available for employees
Allocate different credit limits to your cardholders
Itemised monthly credit card statements mailed to your business address

Key Benefits

Improve your cash flow with up to 56 days of interest free credit as per HSBC Business Cards Conditions of Use
Check your account any time on your online banking
Issue cards to employees to help you manage their business spending and expenses
Receive separate statements for each card and a summary for the business
Stay in control of your spending with itemised monthly credit card statements mailed to your business address
Save time on reconciliation by keeping personal and your business spending separate

Insurance cover

A Business travel insurance^*, covering you and any additional card holders at no additional cost for your business trips and holidays. Policy covers basic travel requirements including any equipment you may take with you on your business travels, such as a laptop. Full details are available on Business Travel Insurance Policy.
Insurance cover for up to 15 minutes on money withdrawn from ATM/Deposit machines and during the deposit of money in ATM/Deposit machines^*
Any purchases which you make with your Visa Business card will be covered by a Purchase Protection^* cover at no additional cost. Full details are available from the Purchase Protection Insurance Policy.

^*The Business Travel Insurance and the Purchase Protection cover are provided by Atlas Insurance PCC.

Other benefits

If you need any assistance whilst abroad, the Visa Global Customer Assistance Service is also available to you as a Business Credit Card holder, offering the following facilities:

Reporting of a lost or stolen card
Emergency cash disbursement
Emergency travel assistance
Medical referral service

What you need to know

If you complete a ‘Contact Us’ request, you will be contacted by your preferred branch within two working days
The Credit Card is available to registered businesses (with VAT registration number) including sole traders, partnerships or companies, provided the business meets our policy requirements
Subject to approval – minimum limit of €700
You must be over 18 years old

We are pleased to discuss the HSBC Fusion service in person at one of our branches. Simply click the below button and provide us your details to arrange an appointment.

Apply now This link will open in a new window

Frequently asked questions

Any business eligible to the Fusion proposition may apply for a card. (Application will be approved according to affordability).

Efficient and flexible, HSBC Business Cards are ideal for making secure payments in Malta and abroad. Our HSBC Business Cards have been purposely designed for businesses like yours and give you immediate and easy access to your money. These cards are easy to use and are an ideal way to keep track of your day to day expenses. HSBC Business Cards can be used for all your business needs and expenses, such as petrol, travel, hotels and restaurants, building materials, office supplies and equipment.

You can benefit from up to 56 days interest free period on all purchases completed, as detailed on the HSBC Business Card Conditions of Use.

The annual card fee is €56. For information on other charges, please see Card Standard Account fees or the General Tariff.

Yes, your card is a secure way of buying goods and services over the phone and on the internet. We use Visa Secure to help protect your card when shopping online. However please check that the site you are buying from is secure by looking for the closed padlock symbol.

Visa Secure is provided to you by Visa and HSBC. It helps to protect you from fraud when you shop online and prevents unauthorised use of your card.

Please call HSBC Contact Centre on +356 2380 2389. Lines are open between 8am and 8pm every day (excluding Sundays and Public Holidays). Calls may be recorded for security and service improvement purposes.

Payments can be made in the following manner:

By giving your Branch instructions to direct debit an account to settle either the monthly minimum repayment or the outstanding balance in full
By using HSBC internet banking service
By sending us a cheque by post
By effecting a transfer by Debit card at any of our local ATMs
By depositing cash/cheque at any of our offices
By giving instructions to your Branch to make a transfer to your Credit Card Account

The minimum payment shall be the greater of €12 or 5% of the outstanding balance shown on your e-statement/statement.

Cash advances: Interest is charged on the balance outstanding from the date the transactions are posted to the account until the balance is paid in full.

Purchases: up to 56 days of interest free credit as per HSBC Business Cards Conditions of Use.

If you miss your payment date in the first month, a fee of €5 may be charged to your account, and interest will be charged on the overdue balance on a daily basis until the outstanding payment is paid in full. You may be charged with €15 monthly thereafter until payment is regularised. If you keep on missing payment dates, your account may be suspended and legal action may be taken to recover the outstanding amount.

We provide you with a 24 hours a day service to report your card immediately if it is lost or stolen. Remember that lost or stolen cards can be like losing money. Stop other people from using your cards by reporting any lost or stolen cards on: +356 2148 3809.

Business Credit Card

Available now

Benefits

Have a question?

Loyalty reward points

Secure Online Transactions

Lost or Stolen Card

Features at a glance

Key Benefits

Insurance cover

Other benefits

What you need to know

Brief benefits

Benefit detail

How to acquire it?

Account information

Frequently asked questions

Can I have a Business Card?

Where can I use my HSBC Business Cards?

Is there an interest-free period?

Are there any card fees?

Can I use my Business Card online and for mail order purchases?

What is Visa Secure?

Who should I call if I have any queries?

How do I make payments to my Business Credit Card account?

What is the minimum monthly payment?

How is the interest calculated on my Business Credit Card?

What happens if I miss my payment date?

What do I need to do if my card is lost or stolen?

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