HK 中文
Visa Signature Credit Card
HSBC

Visa Signature Credit Card Calculator

Best for: High-income earners with concentrated spending in one category who want automatic reward optimization

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Dining Restaurant and dining spending
HKD
1.2% HKD 0
Overseas & Mainland Spending Foreign currency transactions
HKD
1.2% HKD 0
Lifestyle Fitness, cinemas, entertainment, travel, wellness, transportation
HKD
1.2% HKD 0
Home Supermarkets, furniture, electronics, telecom, pet care
HKD
1.2% HKD 0
Shopping Department stores, bookstores, fashion, beauty, wellness
HKD
1.2% HKD 0
Other Spending All other spending (always 0.4% base rate)
HKD
0.4% HKD 0
Calculator verified: 2 Jan 2026 Rates may change over time, and bank may not have same interpretation as us. Always verify with bank before applying.
View Official Terms

The HSBC Visa Signature card offers 5X RewardCash (2.4% equivalent) on ONE selected category, with 1.2% on the other four eligible categories (Dining, Overseas/Mainland, Lifestyle, Home, Shopping). Spending outside these categories earns 0.4%. The calculator automatically shows your highest-spending category at the 5X rate. Important: Promotional rates apply to the first HK$100,000 of total category spending per year—after that, all categories drop to 0.4%.

Advantages

  • 2.4% cashback on your selected category
  • 1.2% on other four eligible categories
  • Five category options to choose from
  • Premium Visa Signature benefits
  • Good for concentrated spending patterns
  • Flexible redemption options

Considerations

  • Only 0.4% on non-category spending (utilities, insurance, etc.)
  • HK$100,000 annual cap on total category spending
  • Requires HK$240,000 minimum annual income
  • Must pre-select category (can't change mid-month)
Annual Fee: HK$2000 Min. Income: HK$240000/year