The world's local bank

Welcome to the world of Gold Credit Cards from HSBC. Accepted at over 32 million outlets worldwide, they offer you interest-free credit for up to 56 days on purchases and a cash advance of 40% of the credit limit. What's more, you have the option to revolve your balance at a competitive interest rate.

The Gold Credit Card from HSBC gives you worldwide benefits and recognition at great value.

Features

• Up to 56 days interest-free credit on purchases
• Flexible payment option
• Get competitive interest rates on retail purchases
• Up to 40% Instant Cash from your available credit limit
• Up to 2 free additional cards to share amongst your family - with a shared limit, which means no one is ever left out of pocket
• Access your HSBC Account internationally - with Triple Access you can transfer money and pay your bills, across all of your HSBC Credit Cards, Current and Savings Accounts using your HSBC Gold Credit Card Free

Benefits

Air Miles is an exciting loyalty program that rewards you for shopping. Every time you use your HSBC Gold Card, HSBC will give you 5 Air Miles for every BHD1 purchased on your card both in Bahrain and abroad. Unlike other such programs, Air Miles are easy to collect and can be redeemed for a wide choice of exciting rewards. You can exchange your Air Miles for a wide range of rewards which include airline tickets, hotel accommodation, dining vouchers jewelry, electronics and much more!

Terms and conditions

More Convenience

• Pay your personal Batelco, Indian School Fees, Electricity & Water bills with your Credit Card over the phone
• Access your HSBC Current, Savings and Credit Card Accounts through HSBC ATMs worldwide
• Get your Credit Card delivered to your residence free of cost by courier
• 24-hour customer service
• Free Autopay Service: Set up standing instructions to debit your HSBC Current or Savings Account at a specified percentage on your monthly Gold Credit Card's outstanding balance
• Enjoy up to 56 days interest free credit period on your purchases when you chose to settle your monthly outstanding balance in full

• Minimum gross income: BHD500 per month for Primary Gold Card applicant
• Primary Credit Card applicant must be a Bahrain resident
• Primary Credit Card applicant must be at least 21 years of age
• Supplementary Credit Card applicant must be at least 18 years of age

• Free Autopay Service: Just give us standing instructions to debit your HSBC Current or Savings Account at a specified percentage, from 5% to 100% of your monthly Gold Card outstanding
• Pay by cheque or cash at any of our HSBC branches in Bahrain
• Call our Phone Banking Services on 80001900 to transfer funds from your HSBC Current/Savings Account
• Use your Credit Card from HSBC to transfer funds from your HSBC Current/Savings Account to your Gold Credit Card at any HSBC ATM in Bahrain

For more details on quick and easy ways to pay your card bill, see table below:

Credit Shield Plus

You can now benefit from our optional comprehensive Credit Shield Plus, which protects your outstanding balance in the event of Death and Permanent Total Disability (PTD) and covers your monthly minimum installment in the event of Involuntary Loss of Employment (ILOE) for employed eligible cardholders or Temporary Total Disability (TTD) for self employed eligible cardholders.

Eligibility

All HSBC Credit Cardholders between the age of 18 and 64 may choose to be enrolled to benefit from Credit Shield Plus. The cover will cease when the Cardholder attains 65 years of age.

Cardholders who opt out of the scheme can join in again, after a waiting period of 90 days.

Monthly Premium

The premium is charged at 0.65% per month of the cardholder's monthly outstanding balance and will appear on the monthly statement.

– Permanent Total Disability (PTD):

Means disability from bodily injury, sickness or disease so as to prevent the insured credit cardholder to perform any kind of work, occupation or profession for compensation, profit or gain for the remainder of his lifetime.

Limit of benefits:

Each insured cardholder is covered for up to the amount of the credit limit granted to him - provided however that this amount does not exceed BD 5,000 for Classic Credit Cards, BHD10,000 for Gold Credit Cards and BHD20,000 for Premium Credit Cards.

Maximum Benefit Payment Term:

Benefits are subject to an aggregate of BHD20,000 on all types of cards held by the cardholder.

– Involuntary loss of employment (ILOE):

Means the unemployment of the insured credit cardholder arising out of the unilateral decision of the employer to terminate his employment contract for any reason other than those mentioned under exclusions.

Limit of benefits:

The insurance company will pay to the Bank one monthly minimum installment due on the Cardholder’s previous month credit card statement for each period of 30 days of proved unemployment.

Maximum Benefit Payment Term:

Each insured cardholder is covered up to a maximum of 3 months per incident, and up to a maximum of 6 months in case of multiple ILOE claims.

–Temporary Total Disability (TTD):

Means insured credit cardholder's total and temporary disability to perform his own work as a result of accidental bodily injury, sickness or disease. The state of TTD is exclusively recognized by a physician designated by the Insurance Company.

Limit of benefits:

The insurance company will pay to the Bank one monthly minimum installment due on the Cardholder's previous month credit card statement for each period of 30 days of TTD. The benefit payment is subject to a waiting period of 60 days continuously. The waiting period is calculated from the first day of TTD.

Maximum Benefit Payment Term:

Each insured credit cardholder is covered for up to a maximum of 6 months per incident and up to a maximum of 12 months incase of multiple TTD claims.

* In the event of any claim, please contact +973 17569847
** Terms & Conditions apply. For details of Terms & conditions, additional information and exclusions refer to Summary of cover
This insurance is underwritten by American Life Insurance Company (ALICO).

Documents Required for Primary Card Applicant

Customers Mandating Salary to HSBC

For Bahrain Nationals:

• Copy of Valid CPR
• Salary transfer letter from employer with details of designation, salary, department and length of service (issued in the last 4 weeks) OR one original computer generated salary slip
• Two undated cheques in favour of HSBC Bahrain

For Expatriates:

• Copy of Valid CPR
• Copy of Valid Passport
• Salary transfer letter from employer with details of designation, salary, department and length of service (issued in the last 4 weeks)
• Two undated cheques in favour of HSBC Bahrain

Customers who do not mandate salary to HSBC

For Bahrain Nationals:

• Copy of Valid CPR
• Salary transfer letter from employer with details of designation, salary, department and length of service (issued in the last 4 weeks) OR one original computer generated salary slip
• Most recent 3 months bank statement of the account in Bahrain where salary is transferred
• Two undated cheques in favour of HSBC Bahrain

For Expatriates:

• Copy of Valid CPR
• Copy of Valid Passport
• Salary transfer letter from employer with details of designation, salary, department and length of service (issued in the last 4 weeks)
• Most recent 3 months bank statement of the account in Bahrain where salary is transferred
• Two undated cheques in favour of HSBC Bahrain

For Self-Employed Applicants:

• Copy of Valid CPR
• Copy of Valid Passport
• Copy of Trade License
• Most recent 6 months company or personal bank statements where income is transferred
• Two undated cheques in favour of HSBC Bahrain

Documents Required for Supplementary Card Applicant

For Bahrain Nationals:

• Copy of Valid CPR

For Expatriates:

• Copy of Valid CPR
• Copy of Valid Passport

Documents submitted with the card application are bank's property.