HSBC Pulse UnionPay Dual Currency Diamond Card

Enjoy up to a total of 11X Reward Points (equivalent to 4.4% spending credit) when you spend with HSBC Pulse UnionPay Dual Currency Diamond Credit Card.

• Up to an extra 5X Reward Points for spending in Hong Kong and mainland China (equivalent to 2% spending credit). No spending required is requirement
• Up to an extra 5X Reward Points for overseas spending (equivalent to 2% spending credit).
  Learn more about Red Hot Overseas Rewards
• Basic 1X Reward Points for all of your spending (equivalent to 0.4% spending credit).

Terms & Conditions apply.

You must have the following:

• Aged 18 or above
• Annual income of MOP180,000 or above

• 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*

*The annual fee on your HSBC Pulse UnionPay Dual Currency Diamond Card will be waived for the following year simply by spending MOP/RMB38,000 annually. Cash advance amount is not eligible spending to reach the spending requirement for enjoying annual fee waiver.

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.