Important fees and charges to take note of
Complete information regarding rates and fees for each type of credit card.
Take me straight to
Annual fees
| Card | Primary card | Supplementary card |
|---|---|---|
| Premier Mastercard | Free of charge | Free of charge (max. 3 cards) |
| Visa Signature | IDR 1,000,000 | IDR500,000 (max. 3 cards) |
| HSBC Live+ Credit Card | IDR 500,000 | IDR200,000 (max. 3 cards) |
| Visa Platinum | IDR 750,000 | IDR300,000 (max. 3 cards) |
| HSBC Gold | IDR 300,000 | IDR130,000 (max. 3 cards) |
| Visa Classic | IDR 150,000 | IDR90,000 (max. 3 cards) |
| Card | Premier Mastercard |
|---|---|
| Primary card | Free of charge |
| Supplementary card | Free of charge (max. 3 cards) |
| Card | Visa Signature |
| Primary card | IDR 1,000,000 |
| Supplementary card | IDR500,000 (max. 3 cards) |
| Card | HSBC Live+ Credit Card |
| Primary card | IDR 500,000 |
| Supplementary card | IDR200,000 (max. 3 cards) |
| Card | Visa Platinum |
| Primary card | IDR 750,000 |
| Supplementary card | IDR300,000 (max. 3 cards) |
| Card | HSBC Gold |
| Primary card | IDR 300,000 |
| Supplementary card | IDR130,000 (max. 3 cards) |
| Card | Visa Classic |
| Primary card | IDR 150,000 |
| Supplementary card | IDR90,000 (max. 3 cards) |
Interest charges
Please note that the following applies to all cards:
- Purchases interest charge: 1.75% per month
- Cash advance interest charge: 1.75% per month
- Card replacement fee: IDR100,000
- Minimum credit card payment: 5% or a minimum of IDR50,000 (whichever is higher) of the total bill, plus any amount in arrears or any amount that has exceeded the credit limit
- Maximum ATM cash withdrawal limit: Up to IDR10,000,000 a day – the bank will define the cash withdrawal limit from time to time, based on the pattern/history of your credit card limit usage
- Cash advance limit: The bank will define the cash withdrawal limit from time to time, based on the pattern/history of your credit card limit usage
- Cash advance fee: 6% of the cash advance amount or a minimum of IDR200,000 (whichever is higher)
- Late charge: 1% from the billed amount or a maximum of IDR100,000 (whichever is lower)
- Interest on credit balance: Not applicable
- Instalment conversion fee at merchant (effective 16 June 2025): IDR25,000
| Card | Currency conversion rate | Over-limit fee |
|---|---|---|
| Premier Mastercard | International transaction will be converted into Rupiah based on the rate of Mastercard International and HSBC | IDR200,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Visa Signature | International transaction will be converted into Rupiah currency based on the rate of Visa International and HSBC | IDR250,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| HSBC Live+ Credit Card | International transaction will be converted into Rupiah currency based on the rate of Visa International and HSBC | IDR250,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Visa Platinum | International transaction will be converted into Rupiah currency based on the rate of Visa International and HSBC | IDR250,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| HSBC Gold | International transaction will be converted into Rupiah currency based on the rate of Visa International or Mastercard International and HSBC | IDR200,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Visa Classic | International transaction will be converted into Rupiah currency based on the rate of Visa International or Mastercard International and HSBC | IDR200,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Card | Premier Mastercard |
|---|---|
| Currency conversion rate | International transaction will be converted into Rupiah based on the rate of Mastercard International and HSBC |
| Over-limit fee | IDR200,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Card | Visa Signature |
| Currency conversion rate | International transaction will be converted into Rupiah currency based on the rate of Visa International and HSBC |
| Over-limit fee | IDR250,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Card | HSBC Live+ Credit Card |
| Currency conversion rate | International transaction will be converted into Rupiah currency based on the rate of Visa International and HSBC |
| Over-limit fee | IDR250,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Card | Visa Platinum |
| Currency conversion rate | International transaction will be converted into Rupiah currency based on the rate of Visa International and HSBC |
| Over-limit fee | IDR250,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Card | HSBC Gold |
| Currency conversion rate | International transaction will be converted into Rupiah currency based on the rate of Visa International or Mastercard International and HSBC |
| Over-limit fee | IDR200,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
| Card | Visa Classic |
| Currency conversion rate | International transaction will be converted into Rupiah currency based on the rate of Visa International or Mastercard International and HSBC |
| Over-limit fee | IDR200,000 per billing cycle when credit card usage exceeds limit assigned by the bank |
ATM charges
| Card | HSBC Indonesia | HSBC overseas | Plus network | Cirrus network |
|---|---|---|---|---|
| Premier Mastercard | Free of charge | IDR 15,000 | Not applicable | IDR 30,000 |
| Visa Signature | Free of charge | IDR 15,000 | IDR 30,000 | Not applicable |
| HSBC Live+ Credit Card | Free of charge | IDR 15,000 | IDR 30,000 | Not applicable |
| Visa Platinum | Free of charge | IDR 15,000 | IDR 30,000 | Not applicable |
| HSBC Gold | Free of charge | IDR 15,000 | IDR 30,000 (only for Visa) | IDR 30,000 (only for Mastercard) |
| Visa Classic | Free of charge | IDR 15,000 | IDR 30,000 (only for Visa) | IDR 30,000 (only for Mastercard) |
| Card | Premier Mastercard |
|---|---|
| HSBC Indonesia | Free of charge |
| HSBC overseas | IDR 15,000 |
| Plus network | Not applicable |
| Cirrus network | IDR 30,000 |
| Card | Visa Signature |
| HSBC Indonesia | Free of charge |
| HSBC overseas | IDR 15,000 |
| Plus network | IDR 30,000 |
| Cirrus network | Not applicable |
| Card | HSBC Live+ Credit Card |
| HSBC Indonesia | Free of charge |
| HSBC overseas | IDR 15,000 |
| Plus network | IDR 30,000 |
| Cirrus network | Not applicable |
| Card | Visa Platinum |
| HSBC Indonesia | Free of charge |
| HSBC overseas | IDR 15,000 |
| Plus network | IDR 30,000 |
| Cirrus network | Not applicable |
| Card | HSBC Gold |
| HSBC Indonesia | Free of charge |
| HSBC overseas | IDR 15,000 |
| Plus network | IDR 30,000 (only for Visa) |
| Cirrus network | IDR 30,000 (only for Mastercard) |
| Card | Visa Classic |
| HSBC Indonesia | Free of charge |
| HSBC overseas | IDR 15,000 |
| Plus network | IDR 30,000 (only for Visa) |
| Cirrus network | IDR 30,000 (only for Mastercard) |
Administrative charges
Open each accordion to learn more about each type of administrative charge.
Credit card payment fees
Please note that the following applies to all cards.
Credit card payment fee via 'Payment' menu (effective 16 June 2025)
- BCA: IDR20,000
- Mandiri: IDR20,000
- BRI: IDR20,000
- BNI: IDR20,000
- CIMB Niaga: IDR20,000
- Bukopin: IDR20,000
- Permata: IDR20,000
- Maybank: IDR20,000
- Danamon: IDR20,000
- Panin: IDR20,000
Credit card payment fees via HSBC teller
- IDR35,000
You might also be interested in
Enjoy cashback in every part of your lifestyle: eat, shop and have fun with no limit!
Every transaction takes you places.
Double the points, double the fun.
Enjoy a variety of exclusive benefits both at home and abroad.