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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 card 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 HSBC.

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 HSBC 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 HSBC.
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 (usually dirhams) 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 outside of the UAE*

Description HSBC
Premier
HSBC
Advance
HSBC
Platinum
HSBC
Gold
HSBC
Classic
Foreign currency exchange rateThe exchange rate as applied by MasterCard / Visa
Foreign currency processing fee**2.75%2.75%2.80%2.80%2.80%
Withdrawals from your Current/Savings Account at an HSBC ATM abroadFreeAED 10AED 10AED 10AED 10
Withdrawals from your Current/Savings Account through a VISA/Plus, Master/Cirrus ATM abroad AED 20 AED 20 AED 20 AED 20 AED 20
Cash advance fee each time you withdraw from an ATM3% of total amount (minimum AED 100)

** 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 outside of the UAE*

Description HSBC
Premier
HSBC
Advance
Personal
Banking
Cash withdrawal at HSBC ATMS in GCC Countries (per transaction) NIL NIL AED 6
Cash withdrawal at GCC Net ATMs in GCC Countries (per transaction) NIL AED 10 AED 10
Cash withdrawal Usage Fee at VISA / PLUS ATMs (per transaction) AED 20 AED 20 AED 20
Foreign currency processing fee (Purchases and Cash Withdrawals)* 2% 2% 2%
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 account currency using this applicable rate

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

Find out more about our cards Credit Cards Debit Cards

Arabic

Using your HSBC Debit and Credit Cards abroad

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 HSBC.

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 HSBC 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 HSBC.
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 (usually dirhams) 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 outside of the UAE*

Description HSBC Premier HSBC Advance HSBC Platinum HSBC Gold
Foreign currency exchange rate The exchange rate as applied by MasterCard / Visa
Foreign currency processing fee** 2.75% 2.75% 2.80% 2.80%
Withdrawals from your Current/Savings Account at an HSBC ATM abroad Free AED 10 AED 10 AED 10
Withdrawals from your Current/Savings Account through a VISA/Plus, Master/Cirrus ATM abroad AED 20 AED 20 AED 20 AED 20
Cash advance fee each time you withdraw from an ATM 3% of total amount (minimum AED 100)

 

** 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 outside of the UAE*

Description HSBC Premier HSBC Advance Personal Banking
Cash withdrawal at HSBC ATMS in GCC Countries (per transaction) NIL NIL AED 6
Cash withdrawal at GCC Net ATMs in GCC Countries (per transaction) NIL AED 10 AED 10
Cash withdrawal Usage Fee at VISA / PLUS ATMs (per transaction) AED 20 AED 20 AED 20
Foreign currency processing fee (Purchases and Cash Withdrawals)* 2% 2% 2%
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 account currency using this applicable rate

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

Find out more about our cards
 

Credit Cards Debit Cards


 

Contact HSBC

Premier

800 4320
within UAE

+971 4 224 1000
outside UAE

 

Advance

800 4420
within UAE

+971 4 325 4573
outside UAE

 

Personal Banking

600 55 4722
within UAE

+971 4 366 9090
outside UAE

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This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

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You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

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