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HSBC

Tips when using your HSBC debit and credit cards abroad

So you’ve packed your bags and are ready to take off on your holiday? Here are some simple tips to make sure you worry less and enjoy more.

Using your HSBC Debit and Credit Cards abroad

  

Your HSBC Cards are a safe and easy way to pay abroad. Here are some simple tasks you should do before you leave to make sure your holiday runs smoothly.

Before you leave:


1. Check the expiry date on your HSBC card.
2. Make sure you have enough funds in your account and/or an available credit limit.
3. Update your latest contact details with us, so that we can get in touch with you easily.
4. Write down the useful phone numbers shown in the right hand grey box incase you need to contact us.
5. Travel Update and Geographic Restriction features on our Debit & Credit Cards: please advise us of your travel plans prior to departure so as to activate these features. You can update your travel plans by calling us on 80001900. For details click here

Carrying your HSBC Card is much safer than carrying cash and your pockets won’t be weighed down with foreign currency. Here are some simple tips for carrying and using your HSBC Debit and Credit Cards when travelling abroad.

Stay safe:
1. Monitor your card activity and contact us immediately if you notice any fraudulent activity on your Card(s).
2. Never share your PIN with anyone, including bank personnel and shopkeepers.
3. In case of Card theft or loss, please call us and report card loss immediately and also report it to the local authorities.
4. On hotel check-out and car rental return, please cancel all authorizations obtained for advance reservations.

Stay smart:
1. Try not to leave all your cards in the same place – that way you won’t lose everything.
2. Keep the useful phones numbers at hand at all times in case you need to contact us.
3. While using an ATM machine or when paying with your HSBC Card, be discreet while entering your PIN and beware of the people around you.
4. Keep all receipts to check against your statements - do not leave your receipt at the ATM Machine.

When abroad there are a few things you should know about the foreign exchange charges that may be applied.

Using your card in a country with a different currency means that we will have to convert the amount back to your accounts primary currency (local currency) using the applicable exchange rate and this will incur a processing fee. The transaction plus the fee will show as one amount on your statement and therefore will not be the same as the amount you spent or withdrew.

Credit cards fees per transaction from abroad*

Description HSBC Premier HSBC Advance HSBC Platinum HSBC Gold HSBC Classic
Foreign Currency Exchange rate The exchange rate is applied by MasterCard / VISA
Foreign Currency Processing Fee** 3.00% 3.00% 3.00% 3.00% 3.00%
Withdrawals from your Current / Savings Account at an HSBC ATM Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Withdrawals from your Current / Savings Account through a VISA /PLUS, Master / CIRRUS ATM Abroad BHD2 BHD2 BHD2 BHD2 BHD2
Cash Advance Fee each time you withdraw from an ATM 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher
** A processing fee will be charged for International / foreign currency transactions (i.e. any transaction not in your billing currency). Such transactions will first be converted to your billing currency at the applicable foreign currency exchange rate. The processing fee will be charged as a percentage of the transaction amount, after it has been converted to the billing currency using this applicable rate

 

Debit Cards fees per transaction from abroad*

Description HSBC Premier HSBC Advance Personal Banking
Cash withdrawal at HSBC ATMS / GCCNet ATMs in GCC Countries (per transaction) BHD 1 BHD 1 BHD 1
Cash withdrawal at HSBC ATMs Internationally (per transaction) BHD 1 BHD 1 BHD 1
Cash withdrawal Usage Fee at VISA / PLUS ATMs (per transaction) BHD 2 BHD 2 BHD 2
Foreign currency processing fee (Purchases and Cash Withdrawals)* 2.5% 2.5% 2.5%
Foreign currency exchange rate The exchange rate as applied by Visa
* A processing fee will be charged for international / foreign currency transactions (i.e. any transaction not in your account currency). Such transactions will first be converted to your account currency at the applicable foreign currency exchange rate. The processing fee will be charged as a percentage of the transaction amount , after it has been converted to the billing currency using this applicable rate

*For more information about our fees and charges visit HSBC Schedule of Services and Tariffs

 

Find out more about our cards

 



Tips when using your HSBC debit and credit cards abroad

So you've packed your bags and are ready to take off on your holiday? Here are some simple tips to make sure you worry less and enjoy more.

Before your leave

Your HSBC Cards are a safe and easy way to pay abroad. Here are some simple tasks you should do before you leave to make sure your holiday runs smoothly.

Before you leave:

1. Check the expiry date on your HSBC card.
2. Make sure you have enough funds in your account and/or an available credit limit.
3. Update your latest contact details with us, so that we can get in touch with you easily.
4. Write down the useful phone numbers shown in the right hand grey box incase you need to contact us.
5. Travel Update and Geographic Restriction features on our Debit & Credit Cards: please advise us of your travel plans prior to departure so as to activate these features. You can update your travel plans by calling us on 80001900. For details click here

When you get there

Carrying your HSBC Card is much safer than carrying cash and your pockets won’t be weighed down with foreign currency. Here are some simple tips for carrying and using your HSBC Debit and Credit Cards when travelling abroad.

Stay safe:
1. Monitor your card activity and contact us immediately if you notice any fraudulent activity on your Card(s).
2. Never share your PIN with anyone, including bank personnel and shopkeepers.
3. In case of Card theft or loss, please call us and report card loss immediately and also report it to the local authorities.
4. On hotel check-out and car rental return, please cancel all authorizations obtained for advance reservations.

Stay smart:
1. Try not to leave all your cards in the same place – that way you won’t lose everything.
2. Keep the useful phones numbers at hand at all times in case you need to contact us.
3. While using an ATM machine or when paying with your HSBC Card, be discreet while entering your PIN and beware of the people around you.
4. Keep all receipts to check against your statements - do not leave your receipt at the ATM Machine.

International Charges

When abroad there are a few things you should know about the foreign exchange charges that may be applied.

Using your card in a country with a different currency means that we will have to convert the amount back to your accounts primary currency (local currency) using the applicable exchange rate and this will incur a processing fee. The transaction plus the fee will show as one amount on your statement and therefore will not be the same as the amount you spent or withdrew.

Credit cards fees per transaction from abroad*

Description HSBC Premier HSBC Advance HSBC Platinum HSBC Gold HSBC Classic
Foreign Currency Exchange rate The exchange rate is applied by MasterCard / VISA
Foreign Currency Processing Fee** 3.00% 3.00% 3.00% 3.00% 3.00%
Withdrawals from your Current / Savings Account at an HSBC ATM Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Inside Bahrain: Free
Outside Bahrain: BHD 1
Withdrawals from your Current / Savings Account through a VISA /PLUS, Master / CIRRUS ATM Abroad BHD2 BHD2 BHD2 BHD2 BHD2
Cash Advance Fee each time you withdraw from an ATM 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher 5% of amount or BHD 10, whichever is higher
** A processing fee will be charged for International / foreign currency transactions (i.e. any transaction not in your billing currency). Such transactions will first be converted to your billing currency at the applicable foreign currency exchange rate. The processing fee will be charged as a percentage of the transaction amount, after it has been converted to the billing currency using this applicable rate

 

Debit Cards fees per transaction from abroad*

Description HSBC Premier HSBC Advance Personal Banking
Cash withdrawal at HSBC ATMS / GCCNet ATMs in GCC Countries (per transaction) BHD 1 BHD 1 BHD 1
Cash withdrawal at HSBC ATMs Internationally (per transaction) BHD 1 BHD 1 BHD 1
Cash withdrawal Usage Fee at VISA / PLUS ATMs (per transaction) BHD 2 BHD 2 BHD 2
Foreign currency processing fee (Purchases and Cash Withdrawals)* 2.5% 2.5% 2.5%
Foreign currency exchange rate The exchange rate as applied by Visa
* A processing fee will be charged for international / foreign currency transactions (i.e. any transaction not in your account currency). Such transactions will first be converted to your account currency at the applicable foreign currency exchange rate. The processing fee will be charged as a percentage of the transaction amount , after it has been converted to the billing currency using this applicable rate

*For more information about our fees and charges visit HSBC Schedule of Services and Tariffs

Contact us

Premier

80001288

Advance

17569569

Personal Banking

80001900