HSBC Commercial Cards

We combine our local understanding of your business and our international expertise to provide you with specialist services and innovative solutions designed to ensure your business success.

The HSBC Commercial Cards team offers a number of solutions designed to manage your business expenses at all levels.

1. HSBC Corporate Cards (Travel and Entertainment)

2. HSBC Purchasing Card (Low-value and Utility Payments)

3. Smart Data Generation 2 (SDG2) - Web-based reporting application

Corporate Card (Travel and Entertainment)

Manage your business needs any time, anywhere

Manage your travel and entertainment expenses efficiently with the HSBC Commercial Card. Our card enables you to reduce administrative costs while increasing your ability to manager your employees' spending on dining, travelling, and other business-related expenses.

Your employees will no longer need to use their personal credit cards - a situation which creates more paperwork, presents opportunities for fraud and can breed resentment (if reimbursements are delayed).

The Commercial Card allows greater freedom and flexibility while enabling you to adhere to your business travel and entertainment policies.

Benefits to your business

Greater Flexibility

Improved Cash flows - Your company receives up to 53 days of interest-free credit to settle Card dues. This helps avoid lengthy administration and funding costs for petty cash advances to employees to meet their routine business expenses.

Management Information - MI is a key to analyze and control your business expenditure and can be labour intensive and time consuming. We offer on-line reporting through the Smart Data Generation 2 (SDG2) package which makes Management Information simple to manage.

Priority pass membership

HSBC Gold Commercial cardholder in your company will receive a free Priority Pass Card and Membership. With access to over 600 airport lounges worldwide, the cardholder, even while travelling in economy class, can relax and unwind at a VIP lounge

Priority Pass Card and Membership is valid for 24 months and will be cancelled at the time of cancelling the corporate credit card

Cardholders and accompanying guests will be charged at USD27 per person per visit

Travel Protect Insurance**

HSBC Commercial cardholders are automatically covered under a Comprehensive travel policy when fares are charged to the card. Benefits include:

Emergency Medical Expenses (Accident and Sickness) up to USD 30,000 per person, per trip

Emergency Medical Evacuation up to USD 10,000 per person , per trip

Flight Delay - up to USD 250 per person, per trip, for the purchase of emergency items

Baggage Loss of up to USD 50 per item and up to USD 250 per bag (up to a maximum of USD 500)

Baggage Delay of up to USD 25 per hour, up to a maximum of USD 500 in excess of 4 hours

Death Repatriation up to USD 2,500

Covers for Schengen Visa

Other Benefits

Worldwide Acceptance

Our cards are accepted at 29 million outlets worldwide

Card Statements

Cardholders will receive a personalised monthly statement giving details of their Card transactions for their own records

24-hour Customer Service

To ensure that, as a valued Corporate Customer, you are always our priority, HSBC Commercial Cards have a dedicated 24-hour Customer Service Centre. From simple queries to giving instructions, our dedicated staff are always there to assist you.

Purchasing Card (Low-value and Utility Payments)

Open your business to a paperless environment

The traditional process of purchasing goods or services is time-consuming and expensive. Multiple levels of authorisation and paperwork can affect your business cost structure and productivity.

The Purchasing Card from HSBC helps you streamline your entire requisition process and effectively manage the payment of all of your business expenses by controlling and tracking company spending whilst also reducing administrative costs.

Our Purchasing Card can be issued in the names of select members of your staff or in the name of specific departments to enable them to buy directly from your suppliers.

Benefits to your business

Wide Acceptance

Accepted at over 29 million locations worldwide

Extended Interest-Free Period

HSBC Purchasing Card offers better management of your company cashflows. Enhance your working capital requirements and take full benefit of the extended interest-free period of up to 58 days.

Reduced Costs and Increased Control

From submitting the purchase order to paying the invoice, a typical purchase request involves a large investment of time and effort from many people. In order for you to manage your resources efficiently, the HSBC Purchasing Card can help you to eliminate all of the unnecessary procedures involved in a purchase transaction.

Simplified Process

Your employees use the Purchasing Card for expenses

HSBC pays each merchant within 48 hours of the transaction

A monthly bill for all purchases made on the Card is sent to the Company

A single payment for the monthly bill is due to the Bank

Powerful Authorisation Controls

Protection against misuse of fraud

Limit spending as per individual Cardholder's needs

Set up spending limit per transaction basis

Restrict Card acceptance to specific merchant categories to suit your business requirements, e.g. you can block access to cash, purchase of jewellery, gambling and casino websites

Consolidated Billing and Flexible Terms

Consolidated billing means you will make only one payment by direct debit, for all the purchases that are made in a month. You can elect to have your Purchasing Card billing cycle close at the beginning, middle or end of each month. This is just one of the many ways HSBC can help you customise your Purchasing Card billing and settlement to suit your business needs.

Comprehensive Management Reporting

The purchasing card provides you with standard paper reports/statements and the option of selecting an electronic reporting tool.

Standard Paper Reporting

A Summary and Individual statement with detailed transaction information, which provides you with accurate information for expense management and reconciliation purposes

Allows reconciliation of accounts payable and/or general ledger systems

Electronic Reporting

Management Information is the key to analysing and controlling your business expenditure, but it can be labour-intensive and time-consuming

With the HSBC web based on-line expense management system - Smart Data Generation 2 (SDG2) you can also streamline your reconciliation process, enabling you to:

         - Review transaction history for each of your Cardholders 24 hours a day anywhere in the world via the Internet

         -Update expense description and cost allocate your transactions

24-hour Customer Service

To ensure that, as a valued Corporate Customer, you are always our priority, HSBC Purchasing Cards have a dedicated 24-hour customer contact centre. From simple queries to giving instructions, our dedicated staff are always there to assist you.

Assistance in Planning

Implementing your card correctly is the key to success. Representatives from HSBC will assist you in planning the implementation of everything from Card issuance and Card limits to reporting requirements.

Smart Data Generation 2 (SDG2) - Web-based reporting application

HSBC Corporate Cards and Purchasing Cards offer you the option of electronic reporting via Smart Data Generation 2 (SDG2).

SDG2 is a powerful managerial tool developed by MasterCard International that provides you with all the benefits of paper reporting and much more.

It is a real-time Internet-based management information solution that allows you to view your card's spending information on the web to boost productivity and efficiency while cutting costs

SDG2 facilitates the management information strategy of over 10,000 companies worldwide

Flexible and robust, this global, web-based reporting application is the cutting-edge solution employed by businesses to better organise, consolidate, analyse and manage financial data from their Commercial Cards

Benefits to your Business

Electronic Security and Access Restrictions

Smart Data Generation 2 utilises state-of-the-art security measures to ensure the safety of your business and the integrity of your data

Access is restricted to the associates you designate, with each individual or group authorised to receive specific levels of information. Each authorised user receives a unique User ID and Password. Sensitive data such as Card numbers are automatically blocked from view

Firewalls and 128-bit encryption technology are monitored and updated to protect your records from unauthorised access

Create Hierarchy

Your business can create its own hierarchy or structures for access and display purposes

Enhanced Data Capabilities

SDG2 delivers any spend data you need to view

Helps you better manage and control your business spending by delivering the richest transaction data available from basic transaction details such as merchant name, cardholder name, amount and date of purchase, to line-item details

Example - with SDG2 not only can you tell when and how much employees paid to stay in a hotel, but where that hotel was located and what specific items they charged for their card. Recognisable icons provide links to additional information based on transaction categories, including transportation, lodging, purchasing and fleet. Detailed transaction data is presented on easy-to-read screens that itemise information based upon transaction type, including:

        - Transportation: travel dates, passenger names, city pairs, service codes

        - Lodging: dates of stay, room rates, restaurant charges

        - Car rental: makes and models, lengths of rental, fuel amounts

        - Fleet: fuel brands, types and values

        - Purchasing: item quantities and prices, tax amounts, discount rates

Significant Cost Savings

Facilitates downloading of over 25 reports, which can be viewed on-line or be integrated with your own accounting systems, making reconciliation easy. These reports can be used to:

        - Ensure adherence to policy on expenses

        - Review individual Cardholder limits

        - Monitor total expenditure

Reduces administrative costs, while enabling you to track more efficiently your business expenditures

Allows easy analysing of expenses with key suppliers, so that you can use this information to negotiate better pricing or consolidate spending

Monitor Non-Card Expenses

Non-card expenses such as taxi fares or restaurant tips can also be added to SDG2.

Contact Us

For more information, please call 80008010 (From Bahrain) or +9714 2288007 (from outside Bahrain)

Tariff of Charges

Please include specific tariff of charges for commercial cards

Apply Now :

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Call us Manama 17222112, Adliya 17569999, Muharraq 17322151, Seef 17569999, Direct Sales 17569845, Corporate Sales 17569540

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