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HSBC Premier Credit Mastercard and HSBC Premier Visa International Debit Card fact sheet

Fees applicable to credit and debit cards

HSBC Premier card fees
Card Fee
Premier Credit Mastercard Free
(Offered as part of a proposition)
Premier Visa International Debit Card Free
(Offered as part of a proposition)
HSBC Premier card fees
Card Premier Credit Mastercard
Fee Free
(Offered as part of a proposition)
Card Premier Visa International Debit Card
Fee Free
(Offered as part of a proposition)
Card requests
Card Fee
Card and/or PIN collected personally from any HSBC office €10.00
Urgent request for replacing a card Free
Card requests
Card Card and/or PIN collected personally from any HSBC office
Fee €10.00
Card Urgent request for replacing a card
Fee Free
Additional cards
Card Debit cards Credit cards
First additional card Free
Free
Second and subsequent cards Free
Free
Additional cards
Card First additional card
Debit cards Free
Credit cards Free
Card Second and subsequent cards
Debit cards Free
Credit cards Free
Cash withdrawals by means of an ATM
Withdrawal type Debit cards Credit cards
From HSBC Bank offices worldwide Free

Free*

From non-HSBC Bank offices (locally and abroad) Free
Free*
Cash withdrawals by means of an ATM
Withdrawal type From HSBC Bank offices worldwide
Debit cards Free
Credit cards

Free*

Withdrawal type From non-HSBC Bank offices (locally and abroad)
Debit cards Free
Credit cards Free*

*Other local and foreign banks may charge additional fees for the use of their ATM/s.

Over the counter cash withdrawals
Withdrawal type Debit cards Credit cards

From HSBC Bank Malta p.l.c.

Free

n/a

From non-HSBC Malta p.l.c. 

(locally and abroad)

Free 1% on amount withdrawn (minimum €5.00 per transaction) 
Over the counter cash withdrawals
Withdrawal type

From HSBC Bank Malta p.l.c.

Debit cards Free
Credit cards

n/a

Withdrawal type

From non-HSBC Malta p.l.c. 

(locally and abroad)

Debit cards Free
Credit cards 1% on amount withdrawn (minimum €5.00 per transaction) 
Investigation fees on disputed transactions
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

Investigation fees on disputed transactions
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

Making international payments
Transaction type Debit cards Credit cards
Transactions completed in euro Free

Free

Transactions completed in a currency other than euro 1.75% 1.75%
Making international payments
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%
Requesting statements
Request type Debit cards Credit cards
Requesting statements Free

Free

Requesting statements
Request type Requesting statements
Debit cards Free
Credit cards

Free

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 €7,500 the Annual Percentage Rate 'APR' will be 8.7%.

These rates and tariffs are also in conjunction with the General Tariff.

Document reference number: 39182 – 03/24

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