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HSBC Advantage Credit Cards

General Features

What are the advantages of having a credit card?

Credit cards provide an easy and secure way of shopping without the need to carry large amounts of cash. Credit cards can be used in many establishments such as clothing stores, restaurants, petrol stations, and airline companies. They enable you to obtain cash advances from bank branches and ATMs.

Do all banks offer the same features and benefits in their credit cards?

The fundamental function is the same and the features and benefits are similar or comparable. Differences are grounded in the strategy each bank follows in order to compete effectively with other banks. The most common differences are in interest rates, fees, minimum repayment amount, credit limit, interest calculation method, protected coverage, product variety, and services and benefits. You can examine the features of the HSBC Advantage Credit Card in the "Cards" section of our website.

How can I apply for the HSBC Advantage Credit Card?

To get an HSBC Advantage Credit Card, you need to call 0850 211 0 111 HSBC Bank Telephone Banking or fill out and sign an application form and see a Customer Service Representative at any HSBC Branch. Please submit a copy of your identification card (Birth Certificate, Driver’s license or Passport) and your tax identification number with your application form. HSBC Campus Credit Card Applicants must submit a copy of their student identification card as well.

How is the credit card limit determined? How can I increase it?

The bank determines credit card limits in line with applicants'/cardholders' income, position at work, property owned, etc. For a limit increase, changes in these factors should be documented, and the cardholder should have a good credit history. To get detailed information and to request limit increase please call HSBC Bank Telephone Banking 0850 211 0 111

What should I do if my card is lost or stolen?

You should immediately call HSBC Bank Telephone Banking 0850 211 0 111 or visit a branch to notify us of the incident. You should also send a written confirmation.

What is my responsibility when my card is lost or stolen?

Cardholders are responsible for unauthorised transactions only until they notify HSBC of the loss or theft of their card. Once you have notified HSBC, you will not be responsible for any future transactions.

How do I get a new card when my card is lost/stolen or damaged?

In both cases a new card is provided upon the request of the customer. Cards lost or stolen abroad are immediately renewed and, if and when needed, emergency cash advance is facilitated.

Can I use my card at ATMs? Which transactions can I carry out via ATMs?

Using your HSBC Advantage Credit Card, you can take out a cash advance at all ATMs within Turkey and hundreds of thousands of ATMs bearing the Visa/MasterCard® emblems abroad. With your HSBC Advantage Credit Card, you can access your demand deposit accounts and carry out all the transactions available via a debit card.

How many supplementary cards can I obtain, and for whom?

You can get as many supplementary cards as you wish, for any person you wish.(Supplementary cards cannot be issued for HSBC Campus and Advantage Hızz Üniversiteli Credit Cards.)

Why does interest on purchases begin to accrue on the statement date while interest on cash advances begins to accrue on the withdrawal date?

Because a cash advance transaction is considered a cash loan.

In which currency do my overseas expenditures appear in my statement, and what exchange rates are used in the conversion process?

Overseas expenditures made in USD appear in the original currency and amount. Expenditures in other foreign currencies are converted to USD using internationally recognised official exchange rates (Visa, MasterCard®). During this process a conversion commission, which varies according to the region, is added to the amount the customer is to pay. Overseas expenditures are converted to TL for customers who want to receive their statements in TL. For customers who want USD statements, these expenditures are shown in USD.

What are the differences between the statement date and the payment due date?

The transactions of customers are recorded daily by the bank. Records through a designated date are printed together and sent to the customer as statements. This date is called the statement date. The payment due date is the latest date that the amount on the statement is to be paid by the customer. If the minimum payment amount is not paid by the due date, the delinquency interest is accrued on the unpaid portion of this amount from the due date until the next statement date; other sanctions may also apply (such as decreasing the limit, rejecting authorisation requests, and blocking or cancelling the account). The payment due date for the next period is stated in each statement so that customers can plan ahead.

Can I use my credit card on the Internet or other electronic media for ordering goods or paying membership dues?

Yes, credit cards can be used to make online payments for purchases or membership dues. However, this runs the risk of other people obtaining your account details and using your card. The HSBC Advantage Virtual Card has been especially designed for use on the Internet. Its line of credit is available and accessible only at the instant you use it and only for the amount you wish to spend. Since the limit is reset to zero when you execute a transaction, the HSBC Advantage Virtual Card is not open to abuse.

I became a member of a site on the Internet by giving my credit card details. Although I want to cancel my membership, they continue to charge the membership fee to my account every month. How can I stop this?

You should write to the same e-mail address or physical address that you used in applying for membership, and declare that you want to cancel your membership. If the membership fee is still charged, you should consult the bank using cancellation notification documents. If you become a member using your HSBC Advantage Virtual Card, no membership fee etc. can be charged to your account without your consent.

I have not received my statement. What can I do?

If you have not received your statement, you can call HSBC Bank Telephone Banking 0850 211 0 111 to confirm your delivery address. If necessary, you can correct your address in the system with the assistance of a Customer Service Representative. You can find out your statement balance through HSBC Bank Telephone Banking by dialling "1+1+ 1 + 1" for New Turkish Lira accounts and "1+1+1 + 2" for US dollar accounts. You can also have your statement faxed to you by dialling "1+1+4" and entering the details requested at the prompt. Alternatively, you can view your statement as soon as it is created in the system via HSBC Internet Banking or apply for an e-statement and request automatic delivery of your statement by e-mail every month.

The magnetic strip on my card is damaged. What can I do?

You should keep your card away from magnets and magnetic fields and make sure that it does not touch other credit cards. It is a good idea to keep it in a wallet to prevent scratches on the magnetic strip.

I lost/forgot my credit card PIN. What can I do?

You can create a new credit card PIN via HSBC Telephone Banking 0850 211 0 111 by pressing "4" once in the Interactive Voice Response (IVR) system. In order to use HSBC Telephone Banking, please get your HSBC Telephone Banking password at an HSBC Branch or ATM or through HSBC Internet Banking.

What is the use of the Priority Pass Card that came with my credit card?

With your Priority Pass Card, you may benefit from the privilege of spending time at 600 exclusive airport VIP lounges in more than 325 airports and 100 countries. A fee of 30 USD per person will be charged to your credit card statement upon entrance to Priority Pass Lounges.

This card is sent upon request to only HSBC Advantage Platinum Credit Card holders. If you have an HSBC Advantage Platinum Credit Card and do not own a Priority Pass Card, you may ask for it by calling 0850 211 0 112.

To see the airports where Priority Pass Card is valid, please call 0850 211 0 112 or visit http://www.prioritypass.com .

HSBC Virtual Credit Card

Does the HSBC Advantage Virtual Card have HSBC Advantage Credit Card features?

Secure Online e-Purchases

About Secure Online e-Purchases

What is Secure Online e-Purchases?

Secure online e-purchase application is an additional security feature for your HSBC Advantage Credit Card. You will have an extra security protection for your purchases on the internet at our member merchants with your HSBC Advantage Credit Card.

How does it work?

You will be asked for your single use Online e-Purchase Password that has been sent to your mobile phone which is registered in our system while you are shopping with your HSBC Advantage Credit Card or HSBC Bank Virtual Card at participating merchants' online shops HSBC Advantage Credit Card’s “Password” at the participating merchants’ online shops in order to prevent unauthorized usage by 3rd parties.

How much does it cost?

Secure Online e-Purchases is free of charge to all HSBC Advantage Credit Card holders.

Where can I use my HSBC Advantage Credit Card upon Secure Online e-Purchases service?

You can use your HSBC Advantage Credit Card at participating merchants' online shops. You will be asked for your Secure Online Pin (password) that has been sent to your registered mobile phone number in our system before completing your online purchase. You can see the ‘’Verified by Visa’’ or MasterCard® Secure Code logo in all participating merchants’ online shop sites. You can also find the participating merchants’ list at Verified by Visa and MasterCard® SecureCode web sites.

Are there any browser restrictions?

All you need a PC with Internet Explorer 5+ or Netscape 4+.

How does Secure Online e-Purchases provide additional security in online e-purchases?

Your Secure Online e-Purchase password will be sent to your registered mobile phone as a different value each time you shop from participating merchants' online shop sites that has "Verified by Visa" or "MasterCard® SecureCode" logo. Therefore, unauthorized usage by 3rd parties won't be possible.

I do not have an HSBC Advantage Credit Card; can I still use Secure Online e-Purchases?

No. You need to have an HSBC Advantage Credit Card. All you need is to fill the HSBC Advantage Credit Card form and deliver to nearest HSBC branch in order to benefit from Secure Online e-Purchases.

General questions

What can I do for my security?

We recommend that you do not share the password that has been sent to your registered mobile phone during shopping with anyone including the merchant.

How can I protect myself from unauthorized access to HSBC Advantage Credit Card usage?

Since your Secure Online E-purchase is not a constant value and will be sent as a different value to your mobile phone each time you shop, unauthorized 3rd party usage will not be possible.

When will the purchases making in the participating merchants online shops be paid?

The purchases from the participating merchants’ online shops will be paid as the other transactions at the due date of your credit card statement.

HSBC Corporate Credit Card

Does the HSBC Corporate Credit Card have Advantage Card features?

No. Advantage Card features are neither designed nor suitable for corporate use.

Advantage Features

Card Operations

What transactions can I carry out using my HSBC Advantage Credit Card?

You can make payments on purchases as well as withdraw cash at HSBC Branches, ATMs and also at all other bank ATMs with your HSBC Advantage Credit Card. You can also take advantage of multiple payment options at over 12,000 sales points operated by Advantage Merchants: pay on credit as you would with any other credit card; pay on an instalment plan with no premium on the original purchase price; or pay in cash using your Advantage CashPoints.

Where can I use the Advantage Card features of my HSBC Advantage Credit Card?

You can use the Advantage Card features of your HSBC Advantage Credit Card at all Advantage Merchants. These are stores that offer privileged payment options to all customers holding HSBC Advantage Credit Card. With over 12,000 sales outlets throughout Turkey, Advantage Merchants present multiple payment options for the HSBC Advantage Credit Card: pay on credit as you would with any other credit card; pay on an instalment plan with no premium on the original purchase price; or pay in cash using your Advantage CashPoints.

Statements

How can I keep track of purchases I make using the Advantage Card features of my HSBC Advantage Credit Card? How can I tell these apart from standard credit card transactions in my statement?

The statement you receive for your HSBC Advantage Credit Card will present all the details of your transactions, including purchases on instalment as well as lump sum purchases on credit.

Will I be able to change my statement date?

You can change the statement date of your HSBC Advantage Credit Card three times a year through HSBC Bank Telephone Banking 0850 211 0 111, HSBC Bank Internet Banking www.hsbc.com.tr or HSBC Bank branches.

If I see in the statement that a purchase has been registered using a payment method I did not specify (instalment instead of credit, or credit instead of instalment) will I be entitled to change the payment mode of the transaction?

Please specify and confirm the payment method at the time of purchase. You will not be able to change it afterwards.

Interest Rates, Fees, and Transaction Charges

What rate of interest is used if my credit card payments are in default ?

The interest rate charged for default on payments is currently 2,84%. HSBC reserves the right to change interest rates and late fees, and will promptly announce any changes

Will I pay a separate or additional card fee for the Advantage Card feature of my HSBC Advantage Credit Card?

You will continue paying the card fees set in advance for your HSBC Advantage Credit Card. You do not need to pay a separate card fee for the Advantage Card features of your card.

Card Limits

What can I do to increase my credit limit?

You can apply for a limit increase at one of our branches or through HSBC Bank Telephone Banking 0850 211 0 111.

Will I have to pay an instalment amount every statement period or will the total amount be due for transactions involving the Advantage Card feature?

The total amount will be due. As you make payments toward each statement balance, your available credit will increase up to your predetermined limit.

Supplementary Cards

Will my supplementary credit cards also have Advantage Card features?

Yes. All the supplementary credit cards of the HSBC Advantage Credit Card will bear the benefits of the credit card.

How can I keep track of purchases made with the supplementary credit card using the Advantage Card features?

The primary cardholder is notified of all purchases made with the supplementary credit card - regardless of whether the Advantage Card feature of the supplementary card is used. Supplementary credit cardholders receive separate statements for their transactions if the primary cardholder so requests.

Can I ask for as many supplementary cards as I wish?

You can get as many supplementary cards as you wish, for any person you wish. (Supplementary cards cannot be issued for HSBC Campus and Advantage Hızz Üniversiteli Credit Cards)

How are limits set for supplementary cards?

The primary cardholder can designate the supplementary card limit as a certain proportion of the primary card limit. The cash advance limit of the supplementary card is also determined by the primary cardholder.

Minimum Payment

When my minimum payment amount is calculated, will transactions with the Advantage Card feature be included?

Yes. The minimum payment amount for all HSBC Advantage Credit Card transactions is 20% of monthly expenditures, including purchases made with the Advantage Card feature.

Making Payments

Where can I make payments on my credit card?

You can make payments on your HSBC Advantage Credit Card free of charge at all HSBC Bank Branches and HSBC Bank ATMs as well as through HSBC Bank Telephone Banking 0850 211 0 111 and HSBC Bank Retail Internet Banking www.hsbc.com.tr. You can also use Direct Debit Orders. In addition, where there are no HSBC Bank Branches, you can use Advantage merchants bearing "Payment Point" logo.

Reward Programme

How will the reward system work from now on?

You earn Advantage CashPoints on all purchases at Advantage member merchants made with your HSBC Advantage Credit Card. In turn, you use the Advantage CashPoints either to pay for purchases at Advantage Merchants or to convert them into Advantage TravelPoints and pay for travel tickets and accommodations through our mileage programme.

With over 100,000 sales outlets throughout Turkey, Advantage Merchants present multiple payment options for the HSBC Advantage Credit Card: pay on credit as you would with any other credit card; pay on an instalment plan with no premium on the original purchase price; or pay in cash using your Advantage CashPoints. Whichever payment option you choose, your shopping with Advantage Merchants generates Advantage CashPoints.

You can convert your Advantage CashPoints into Advantage TravelPoints and fly wherever you wish whenever you wish by booking your tickets through HSBC Bank Telephone Banking 0850 211 0 111.

Advantage TravelPoints

What are the general rules governing the Advantage TravelPoints?

  • Advantage TravelPoints services are provided by Setur.
  • Advantage TravelPoints cannot be transferred to another person. However, cardholders may make reservations and request tickets in other people's names.
  • Flight tickets, hotel accommodations, and bus tickets can be paid for with Advantage TravelPoints. This is restricted by availability.
  • Ticket reservations are not guaranteed during busy holiday periods.
  • Advantage TravelPoints are calculated using the calculation method that is current at the time of the service request.
  • HSBC may change the calculation methods used in the Advantage TravelPoints, or alter or cancel the programme without justification or prior announcement.
  • HSBC is not responsible for any problems that may occur during trips.

In cases where Advantage TravelPoints are not sufficient to cover the cost of tickets or accommodations, is it possible to make up the difference with the HSBC Advantage Credit Card?

You can pay the difference (up to 50% of the total amount) with your HSBC Advantage Credit Card where your Advantage TravelPoints are not sufficient to cover the entire cost.

Purchase Protection

How soon after the incident do I need to notify Purchase Protection?

HSBC should be notified within 15 days. Written proof of the damage, including supporting documentation for the claim, should be submitted to HSBC within 15 days.

I paid for the product in cash. Can I still benefit from Purchase Protection?

No. In order to benefit from Purchase Protection, you need to have paid the whole price of the item using your HSBC Advantage Credit Card.

Are there any other issues that I should be aware of?

  • The dates of the retail sales bill or receipt and credit card sales receipt should be the same.
  • Only the cardholder can benefit from the rights provided by Purchase Protection. Claims of supplementary cardholders who are under 18 should be filed and followed up by the primary cardholder.
  • If the cardholder's loss is compensated by an organisation other than HSBC, then Purchase Protection does not cover the damage in question. Compensation is made only for amounts not covered by another insurance policy.
  • Damages or losses resulting from cardholder’s failure to take an appropriate level of care are not covered by the Purchase Protection (For example, stolen belongings resulting from failure to lock the car, belongings in the car that can easily be seen from outside etc.)
  • Applications that are unapproved upon evaluation are not covered by the Purchase Protection.

Security Of Your Credit Card

I forgot my credit card password (PIN). What should I do?

If you do not remember your credit card password (PIN), please call 0850 211 0 111 HSBC Bank Telephone Banking or visit HSBC Bank Personal Internet Banking at www.hsbc.com.tr

Can I change my credit card password (PIN)?

Yes, you can change your PIN from ATMs with Chip & PIN logo, by calling 0850 211 0 111 HSBC Bank Telephone Banking or visiting HSBC Bank Personal Internet Banking at www.hsbc.com.tr

I entered my password (PIN) incorrectly; what should I do?

If you enter your PIN incorrectly three times in a row, it will be blocked for your security. In this case, please call 0850 211 0 111 HSBC Bank Telephone Banking or visit HSBC Bank Personal Internet Banking at www.hsbc.com.tr to unblock your PIN.

How should I create my password (PIN)? Are there any tips?

Instead of choosing 4 random digits as your PIN, you may determine a 4-digit number that has a special meaning to you, or you may use a clever method and choose the time for which you set your alarm clock every morning. Your 4-digit PIN could be a date, for instance your wedding anniversary or the date of an event that you cannot forget. Your PIN could also be a portion of a telephone number that you have memorized.

Are there any highlights I should pay special attention to for my safety while using my credit card?

Never give your password to someone else, not even to a salesperson. Do not allow other people to use your credit card. Avoid recording your PIN; do not write it down on your card or elsewhere. HSBC / HSBC employees will never ask you to tell or send by email your PIN; for your own safety, please ignore this kind of requests. Avoid setting your PIN as your birth date or choosing easy to guess series such as 1234 or 9999.