HSBC Premier International Recognition Worldwide Assistance Rewards and Privileges HSBC Premier Credit Card Premier Air Miles Premier Charity Redemption Investment Options Your HSBC Premier Credit Card is welcomed at over 32 million establishments worldwide. With exceptional worldwide privileges under our home&Away Programme, an exclusive Rewards Programme and stellar emergency support, you have a Card that truly merits the Premier status. Read on to find out more about our Premier Credit Card services or call our Premier hotline on 0800 85200 (within Pakistan) or +9221-2272435 (outside Pakistan). Click here to download the Premier Credit Card Application Form. Key Benefits Key Features More Premier Rewards Redemption Programme Redeem your Points for flights, or charity donations. More home&Away Privilege Programme Our home&Away programme will provide you with a wealth of privileges, offers and discounts with renowned brands whenever you use your HSBC Premier Credit Card anywhere in the world. More Insurances Get protection against any unforeseen circumstances. More Worldwide Suppport Your HSBC Premier Credit Card can support you and your loved ones even when you are traveling. More Lower Interest Repayment Options Your HSBC Premier Credit Card helps you to make easy payments on your purchases. More Easy Payment Options Your HSBC Premier Credit Card gives you convenient options to pay back your Premier Credit Card bill. More Other Benefits Read on to find out other benefits offered on your Premier Card.More Key Features No Annual Fee for Primary Premier Cardmembers No Annual Fee for Additional Cardmembers Interest-free credit for up to 51 days Pay a minimum of 5% of your monthly outstanding balance Competitive interest rate of 3% per month 100% cash advance of your available credit limit Worldwide Support Your Very Own Rewards With your HSBC Premier Credit Card, you receive free membership to the HSBC Premier Reward Redemption Programme. You get 1 Reward Point for every Rs. 50 spent on your HSBC Premier Credit Card. Each time you spend on your Premier Card, you earn rewards that offer even more ways to indulge in a broader world of opportunities with shopping, dining, entertainment, travel packages and free mileage. You can redeem your Reward Points against Air Miles or Charity Redemption Programme. Rewards on HSBC Premier Credit Card HSBC Premier Credit Card account holders are eligible to earn 1 Reward Point for each Rs. 50 spent on your Card. Retail spend refers to international and local retail transactions. Reward Points would not be earned against cash transactions/Balance Transfer or any financial charges on the Credit Card. home&Away Privilege Programme We recognise that as a Premier customer you expect great value as well as all the best money can buy wherever you are in the world. Which is why HSBC has created a unique privilege programme called home&Away - a global network of high quality partners, retailers and brands selected across more than 30 countries with whom we have negotiated attractive offers, discounts and privileges. These are exclusively available to you as a Premier customer to use when paying for them with your HSBC Premier Credit Card. Your HSBC Premier Credit Card gives you free access to the home&Away programme. So whether you're looking for a hotel or travel, booking a restaurant or leisure activities or making a purchase either at home in Pakistan or when traveling abroad, the home&Away programme will provide you with a wealth of privileges, offers and discounts with renowned brands whenever you use your HSBC Premier Credit Card. Simply visit the home&Away website for full details of offers across the world. Be sure to check the offers available in Pakistan on the home&Away website, which can also be seen in your Premier Rewards and Discount Booklet available in your Premier Credit Card Welcome Pack. Insurances Travel Protection Insurance The Travel Protection Policy from AIG Insurance provides you and your family with a wide range of benefits while traveling anywhere in the world. For just around PKR996 a month, you and your family will be protected from all of the inconveniences that people encounter while traveling abroad. Travel Protection Policy Benefits include: Flight Delay: Coverage upto PKR18,000/- Baggage Loss: Coverage upto PKR30,000/- Baggage Delay: Coverage upto PKR18,000/- Accidental Death Coverage: upto PKR7,500,000/- Permanent Total Disablement: Coverage upto PKR7,500,000/- Emergency Medical Expenses: Coverage upto PKR7,500,000/- Emergency Medical Evacuation and Repatriation: Coverage upto PKR15,000,000/- The Travel Protection Policy gives you and your spouse and children worldwide coverage. For further details, please refer to the Terms and Conditions given in the Travel Insurance brochure available at your nearest HSBC Branch in Pakistan. Credit Cover Plus Insurance Credit Cover Plus gives you total peace of mind by insuring you against unforeseen emergencies concerning your health so your loved ones will not be burdened with these payments. Under this cover, if you are unable to pay the minimum amount because of temporary disability, the underwriter will pay on your behalf. In the unfortunate event of prolonged critical illness, permanent disability or death, the underwriter will pay the entire current balance on your HSBC Premier Credit Card. Credit Cover Plus costs just 0.89% (89 Paisas for every 100 Rupees) of your monthly outstanding balance on your HSBC Premier MasterCard, and is reflected on your Credit Card statement. Benefits HSBC Credit Cover Plus protects you against: Temporary and Total Disability (TTD): In case of temporary and total disability, Credit Cover Plus makes minimum monthly payments for up to six months to HSBC on your behalf. Permanent and Total Disability (PTD): In case of permanent and total disability, Credit Cover Plus makes full payment of the outstanding Card balance to HSBC on your behalf upto a maximum of PKR1,000,000/-. Terminal Illness (TI): Credit Cover Plus makes full payment of outstanding Card balance upto a maximum of PKR1,000,000/-. Credit Cover Plus Terms and Conditions apply. For details, please refer to the Premier Credit Card Terms and Conditions. Death: In case of death due to any reason, Credit Cover Plus makes full payment of the outstanding Card balance on your behalf upto a maximum of PKR1,000,000/-. If any outstanding monthly Premium in respect of an insured Cardmember is not received before the Premium due date, the insurance coverage extended to such a Cardmember in terms of this policy shall automatically terminate and the Cardmember shall not be liable to be covered by the Insurance Company. For further details, please refer to the HSBC Premier Credit Cover Plus brochure which includes the summary of cover. Worldwide Support A Worldwide Safety Net for All Your Family Protect your family too with Additional Cards that offer the same emergency assistance, the same recognition. Naturally you'll pay no annual fee for Primary and Additional Cards alike. Credit Card Emergency Services (supported by MasterCard) Your HSBC Premier Credit Card can support you even when you are traveling. While traveling, you can make a call to Premier Emergency Hotline at + (1) 314 275 6781 which puts you in touch with a customer service representative, 24 hours a day, 365 days a year. If your Credit Card is stolen while traveling, a customer service representative will work with you to report your lost/stolen Card instantly and arrange the delivery of a replacement Card, within two working days or an emergency cash advance pending delivery of the replacement Card, virtually anywhere in the world, depending on the availability of MasterCard representation in the respective country. Should you lose the Card you can obtain: An instant blocking of your lost or stolen Card A replacement Premier Credit Card for use within two working days or emergency cash advance pending delivery of the replacement Card Emergency cash advance1 at over 245,000 outlets across 200 countries and territories2 1 Within 24 working hours of filing the request 2 Premier Emergency services and the emergency hotline is operated by MasterCard International and its appointed agent / third party service provider. Terms and Conditions apply. Lower Interest Repayment Options Balance transfer Transfer your other bank Credit Card outstanding (any amount above Rs. 3000) to your HSBC Premier Credit Card and that too you pay back in easy installments. You can pay upto 1.75% interest on the balance transferred. Click here to download the Premier Credit Card BTF Form. Click here to download and view the Terms and Condition applicable on your HSBC Premier Credit Card, already included in your Welcome Pack. Loan on Phone (LoP) Your HSBC Premier Credit Card provides you with an easy way to pay for the holiday of your dreams, jewellery, new TV or a computer through the exciting new 'Loan on Phone' feature. You can order drafts against your HSBC Premier Credit Card account over the phone and have them delivered at your doorstep. For further details on how to order a LoP today, call HSBC Premier hotline on 0800-85200. Easy payment options Paying your HSBC Credit Card bill has never been easier. You have the choice of many convenient modes of payment to settle your monthly dues: For payment involving cheque/draft, please make this payable to "HSBC Cards". Write your 16 digit HSBC Card number on the reverse of the cheque/draft along with your full name and contact number. In order to avoid being charged a late payment fee, please ensure that your cheque reaches us 3 working days prior to your payment due date as this will ensure that your cheque is cleared within the due date. Standing Instructions You can issue a written standing instruction to have a predetermined percentage (either 5% or 100%) of your monthly outstanding automatically debited from your account with HSBC on the payment due date. The account you nominate must be either your sole account or a joint account with "any" or "either" signing mandate. Over the Counter You can also make your payments by cash or cheque, quoting your 16-digit Credit Card number, at any HSBC branch in Pakistan and your cash or cheque will be deposited into your HSBC Premier Credit Card account. Mail cheque/draft You can mail a cheque/draft, to the HSBC branch closest to you. Collection charges will not be levied for any HSBC cheques or other bank cheque which are both payable and deposited in all HSBC Pakistan branches but will be levied (as per HSBC Schedule of Charges) for cheques payable in other cities. Click here to get a complete list of HSBC Branches in Pakistan. In order to avoid being charged for late payment fee, please ensure that your cheque reaches us 3 working days prior to your payment due date for its timely clearance. You are requested not to deposit any post-dated cheques while settling your HSBC Premier Credit Card dues. Other Benefits Additional Cards You have the option of giving an Additional Card to your loved ones so that they too can enjoy all the unique advantages that you enjoy, such as exclusive offers and discounts at Karachi Sheraton among others. Free Credit Period You can get up to 51 days free credit on purchases without any finance charge being levied to your HSBC Premier Credit Card account. This is applicable provided your HSBC Premier Credit Card outstanding, as shown in the statement, is settled in full by the due date. However, if only partial payment is made, the interest free credit period will not be applicable and finance charges will accrue, based on daily balance on the outstanding from the date of the transaction. International ATM Access Cash Advance You have access to cash, round the clock, at over 1,000,000 ATMs worldwide. These include MasterCard/Cirrus and all HSBC ATMs. HSBC Premier Credit Cardmembers can withdraw cash from any of the ATM within the overall limit specified by different associations/banks. Using the cash advance facility will attract a cash advance fee and finance charges at the prevailing rate (refer to Premier Credit Card Schedule of Charges). On cash advance transactions, finance charges are applied from the date of the transaction until the entire outstanding amount is cleared in full. To use the ATM facility, you will need to use your PIN which will be mailed to you by the bank within 2 weeks of HSBC Premier Credit Card issuance. HSBC Premier Cardmembers can access the internet to get complete details on MasterCard/Cirrus ATM locations in Pakistan and worldwide. Problem Resolution In case if you face any issue with your HSBC Premier Credit Card, please contact your nearest HSBC Branch or HSBC Premier Call Centre on 0800 85200 or any of our Unsecured Operations walk-in areas. Important Information Premier Credit Card Everything You Need Is Right At Your Fingertips Click on the links below to download/print the application forms. These forms are to be completed and submitted to the nearest HSBC branch, along with the relevant documents, for further processing. Adobe Acrobat Reader is required to download these forms. HSBC Premier Credit Cardmember Terms & Conditions HSBC Premier Credit Card Schedule of Charges HSBC Premier Credit Card Application Form HSBC Premier Credit Card Balance Transfer Facility Form HSBC Premier Credit Card Flexi Installment Plan Form HSBC Premier Credit Card Credit Cover Plus Brochure Disclaimer: At the time of issuing of HSBC Premier Credit Card, if the Premier customer's average account balance in his/her Premier Savings and/or Current Account is below Rs. 4,500,000, HSBC reserves the right to refuse to issue the Premier Credit Card without assigning any reason whatsoever. Your HSBC Premier Credit Card usage will be subject to the HSBC Premier Credit Cardmember Terms & Conditions available on this website.