HSBC Pulse UnionPay Dual Currency Diamond Card

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HSBC Pulse UnionPay Dual Currency Diamond card

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Check eligibility and how to apply this will go down to the corresponding section

Border reopening and travel Overseas, in Mainland China and Hong Kong

Enjoy up to a total of 6X Reward Points (equivalent to 2.4% spending credit) when you spend with HSBC Pulse UnionPay Dual Currency Diamond Credit Card.

Up to an extra 5X Reward Points for spending in Mainland China and Hong Kong (equivalent to 2% spending credit). No spending required is requirement
Basic 1X Reward Points for all of your spending (equivalent to 0.4% spending credit).

Terms & Conditions apply.

Features and benefits

Pay in Patacas or Renminbi in a single card giving you flexibility and convenience
Extra 5X reward points for all spending in mainland China and Hong Kong. You can earn up to MOP 1,600 cash rebate or 16,000 air miles. No minimum spending amount is required. (T&C apply)
Overseas transaction mark up fee waiver for transactions in Renminbi and Hong Kong Dollar
Up to 20% off TravelSurance all year round¹
From dining, shopping or lifestyle, discover hundreds of privileges for UnionPay Card (Learn more about UnionPay Rewards)
Download UnionPay App to enjoy easy QR code payment service

- How to add card? How to pay?

- FAQ
Download MPay App to top up balance or express payment, to enjoy convenient payment

Local and global merchant offers

All year-round local merchant offers
Year-round home&Away offers around the world, including discount on hotel bookings via Agoda website (Visit home&Away for details)

Earn Reward points for every dollar spent

Every MOP1 or RMB1 = 1 reward points
Redeem every 10,000 reward points each time for cash rebate or air miles anytime you want by calling our contact centre or visiting any of our branches. (Click here to download redemption form)

¹ The policy is underwritten by QBE Hongkong & Shanghai Insurance Limited- Macau Branch. Single trip TravelSurance - 20% off; Multi-trip TravelSurance - 5% off for the first year premium; China Medical Card - 5% off for the first year premium

Things you should know

More about credit card services to learn more about other things you should know about our credit card services

Eligibility

You must have the following:

Aged 18 or above
Annual income of MOP120,000 or above

Fees

MOP1,000 annual fee for HSBC Pulse UnionPay Dual Currency Diamond Card primary card*
MOP500 annual fee for HSBC Pulse UnionPay Dual Currency Diamond Card additional card combined account*

*Before we bill annual fee, waiver could be offered upon fulfilling cumulative spending amount >=MOP/RMB25,000 in monthly statements within the last 12 months.

Cash advance amount is not eligible spending to reach the spending requirement for enjoying annual fee waiver.

Repayment methods

You'll need to settle your Macau Patacas and Renminbi account balances separately for this card. If you overpay on one account, it will not be credited to the other account.

If you pay Macau Patacas or Hong Kong dollars into your Renminbi account, we'll convert the amount to Renminbi at the prevailing rate of exchange determined by the Bank on the date of payment processing. Because of exchange rate fluctuations, we advise you to have enough funds available to prevent repayment shortfall, as this could lead to finance and/ or other charges.

Repayment options
Repayment channels	MOP sub account repayment in the following currency	RMB sub account repayment in the following currency
Personal Internet Banking transfer	MOP / HKD	MOP / HKD / RMB
Phone banking transfer	MOP / HKD	MOP / HKD / RMB
Mobile Banking App transfer	MOP / HKD	MOP / HKD / RMB
ATM transfer	N/A	N/A
Autopay¹	MOP / HKD	MOP / HKD / RMB
Cheque²	MOP / HKD	N/A
Pay at counter³	MOP / HKD / RMB	MOP / HKD / RMB
Cash deposit machine	MOP	N/A
Easy Transfer⁴	MOP	N/A

Repayment options
Repayment channels	Personal Internet Banking transfer
MOP sub account repayment in the following currency	MOP / HKD
RMB sub account repayment in the following currency	MOP / HKD / RMB

Repayment channels	Phone banking transfer
MOP sub account repayment in the following currency	MOP / HKD
RMB sub account repayment in the following currency	MOP / HKD / RMB

Repayment channels	Mobile Banking App transfer
MOP sub account repayment in the following currency	MOP / HKD
RMB sub account repayment in the following currency	MOP / HKD / RMB

Repayment channels	ATM transfer
MOP sub account repayment in the following currency	N/A
RMB sub account repayment in the following currency	N/A

Repayment channels	Autopay¹
MOP sub account repayment in the following currency	MOP / HKD
RMB sub account repayment in the following currency	MOP / HKD / RMB

Repayment channels	Cheque²
MOP sub account repayment in the following currency	MOP / HKD
RMB sub account repayment in the following currency	N/A

Repayment channels	Pay at counter³
MOP sub account repayment in the following currency	MOP / HKD / RMB
RMB sub account repayment in the following currency	MOP / HKD / RMB

Repayment channels	Cash deposit machine
MOP sub account repayment in the following currency	MOP
RMB sub account repayment in the following currency	N/A

Repayment channels	Easy Transfer⁴
MOP sub account repayment in the following currency	MOP
RMB sub account repayment in the following currency	N/A

¹The standing instruction amount is automatically generated when the credit card statement is issued. Any repayment amount made between the statement issued date and the statement payment due date will not update the amount of original standing instruction.

²Cheque deposit at counter.

³ RMB notes with RMB50 denomination or above are accepted only.

⁴Customer can repay credit card outstanding amount via “Easy Transfer” directly and will be processed no later than T+1 working day.

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