HSBC Gold Credit Card

Advantages

Your Gold Credit Card from HSBC provides you with more convenience

• Free delivery of your Credit Card to your doorstep
  As a Gold Credit Cardholder from HSBC your card will be delivered to your doorstep free of cost.
• Triple access
  Your Gold Credit Card gives you access to your Credit Card account as well as your HSBC Current and Savings Account. You can manage your credit limit by transferring money between your HSBC Accounts, check balances and pay your Credit Card bills from any HSBC ATM worldwide.
• Cash access
  Your Gold Credit Card gives you access to cash from over 23,000 HSBC ATMs worldwide, and from thousands of Visa/Plus and MasterCard/Cirrus ATMs across the globe. In case of emergency, you can also withdraw cash from thousands of Visa/MasterCard member banks world-wide.

Benefits

Travel benefits

“Traveller from HSBC” now in association with the Orientals Travel Services offers you several travel benefits when you buy airline tickets with your Gold Credit Card, including:

• Free ticket delivery to your doorstep throughout Jordan
• One-way pick up to or from the airport (for transactions equal or over JOD600)
• Two-way pick up to and from the airport (for transactions equal or over JOD1500)
• Exclusive rates on Meet and Assist service and access to the VIP lounge

To book your airline tickets call “Traveller from HSBC” toll free at 0800 22023.

Please click here to view our Travel Tips.

Emergency Medical and Legal Assistance

• Exclusive emergency referral service available in case of medical or legal emergencies anywhere in the world.
• The benefits include transport to hospitals, paying deposits for civil liabilities, and much more.

Purchase Protection

• Your Gold Credit Card purchases will be automatically insured against loss, theft or accidental damage
• Purchases up to JOD2,000 are covered per claim and up to a maximum of JOD4,000 in a year per cardholder.

Travel and Accident insurance

• You (and your family) will automatically be protected against accidents and serious injury for up to US$250,000 while travelling if you charge your travel fare (and your family’s) to your Gold Credit Card.

Baggage Insurance

• Free cover of up to US$500 if you lose your baggage (maximum US$1000 for the entire family)
• Free cover of up to US$150 if your baggage is delayed (maximum US$300 for the entire family)

Eligibility

• Primary Credit Card Applicant must be at least 21 years of age
• Supplementary Credit Card Applicant must be at least 17 years of age
• Minimum Income:
  HSBC account holder with salary transfer: JOD1750 per month
  HSBC account holder:
  Salaried: JOD1750 per month
  Self Employed: JOD1750 per month

Payment Options & Fees

• Free AutoPay service: just give us standing instructions to debit your HSBC Current or Savings Account at a specified percentage from 5%-100% of your monthly Gold Credit Card outstanding.
• You can pay your Gold Credit Card bills by depositing cash/cheque at any of the HSBC ATMs across Jordan or at any HSBC branch in Jordan, or by sending us a cheque/demand draft by mail.
• You can also pay your credit card bill in cash or cheque at five locations of Aramex's offices. Click here for more information.

If you have a Current or Savings Account with HSBC, you can access your account from any HSBC ATM around the world and transfer funds to your Gold Credit Card account. Alternatively, you can call our 24-hours Phone Banking Service on 0800 22044 or use the Personal Internet Banking Service to transfer to your Gold Credit Card Account

Other advantages

• Free Supplementary Credit Cards
• Lost card reporting and replacement service call 0800 22044 within Jordan and +971 4 2274310 from outside Jordan
• 24-hour customer service

Fees

• Annual Membership Fee: JOD65 for Gold Cards
• Supplementary Credit Cards: Free
• Lower annual fees: As a very special offer, the combined annual fee for an HSBC Visa and MasterCard Gold Cards is JOD100.

Credit Shield Plus

Enjoy complete peace of mind with HSBC "Credit Shield Plus" (CSP)

For HSBC cardholders whom are already enrolled in the "Credit Cover" insurance which is arranged by ALICO, we are pleased to announce that we have upgraded the coverage to include a new protection which is Critical Illness (CI) under a new name "Credit Shield Plus ".

"Credit Shield Plus" benefits

A summary of the key features of your "Credit Shield Plus" cover is provided below:

Death and Permanent Total Disability Benefits

In case of Permanent Total Disability or Death of the Primary Cardholder, 100% of the outstanding balance on the card will be settled. 

Critical Illness Benefits

• In case the Primary Cardholder is diagnosed having a Critical Illness, 100% of the outstanding balance on the card will be settled. 
• The benefit payment is subject to a deferral of coverage period, so your cover will start 90 days from introducing the coverage.
• Critical illnesses under this coverage are as follow:

(Cancer, Heart Attack, Kidney failure, Stroke, Coronary artery disease requiring surgery, Major organ transplantation and Blindness).

Limit of Benefits:

• 100% of outstanding balance up to JOD 10,000 (HSBC Classic Cardholders)
• 100% of outstanding balance up to JOD 15,000 (HSBC Gold Cardholder)
• 100% of outstanding balance up to JOD 20,000 (HSBC Premier Cardholder)

Not to exceed any aggregate amount of JOD 40,000 payable to any insured life irrespective of the number of cards held and their outstanding balances.

Summary of Cover

• 100% of the Card's outstanding balance is covered subject to the Limit of Benefits outlined above, in the event of permanent total disability, death or diagnosed by any of the seven mentioned diseases below.

Eligibility

• All existing cardholders whom enjoy the credit shield protection, between the age of 18 and 64, will automatically be enrolled to benefit from CSP. The cover will cease when the Cardholder attains 65 years of age.
• All cardholders whom wish to enroll and enjoy the benefit of CSP, they have to contact our customer service at any branch.

Monthly Premium

• All cardholders whom are automatically enrolled into the CSP, a monthly premium of %0.5 per month of the Card's monthly outstanding balance will be charged.
• For cardholders whom are not enrolled into the CSP and wish to be enrolled, a monthly premium of %0.5 of the card's monthly outstanding balance will be charged to them.

"Credit Shield Plus" Terms and Conditions

a) Death and Permanent Disability

• The monthly premium for HSBC "Credit Shield Plus" will be added to the Amount Outstanding and the minimum amount Due to the Card Account.
• The Cardholder may cancel the HSBC Credit Shield Plus by giving notice to the Bank, such notice shall be effective from the next billing Period for the Card. Once cancelled, the HSBC Credit Shield Plus cannot be reinstated.
• The bank may cancel or amend the terms of the HSBC CSP or vary monthly premium by giving notice to the Cardholder.
• HSBC CSP is provided by American Life Insurance Company (ALICO- Jordan) It is subject to terms and conditions and exclusions of the policy. The list of exclusions is available on www.hsbc.jo or from the Bank upon request.

b) Critical Illness (CI)

Definition & provisions:

• If an Insured credit cardholder is diagnosed having one of the stated CI as explained previously, the Insurance Company will, upon receipt of due proof in writing of the diagnosis of the CI , pay the amount of the covered CI Benefit to the Policyholder (HSBC Bank).
• The claim date is defined as the date of the first diagnosis of the CI covered, or as the date upon which the condition needing the covered surgery to be performed is diagnosed.
• The covered CI Benefit, at any time before the expiration of coverage under the Policy, shall be equal to 100 % of the Outstanding Balance as at the claim date, according to the amortisation schedule set in force on the Entry date. CI benefit is payable only once, as a lump sum. This benefit cannot be cumulated with any other benefit defined under the Policy. Insurance automatically stops as soon as a CI benefit is paid to the credit cardholder.
• Payments in arrears and interests give no right to any benefit.
• If the claim date corresponds to the due date of one installment, it is considered that this installment is not yet paid.

Deferral of coverage:

The benefit payment is subject to a deferral of coverage period of 90 days continuously. The deferral of coverage period is calculated from the entry date. If the claim takes place within these 90 days, the claim is automatically turned down

Waiting period:

The benefit payment is subject to a waiting period of 30 days continuously. The waiting period is calculated from the first day of diagnosis of the CI. No benefit is paid for the first 30 days. No CI benefit is paid if death occurs within these 30 days from the claim date (i.e. the claim may be paid therefore as a Life claim).

Details of the critical illnesses are as follows:

• Cancer: a malignant tumour characterised by the uncontrolled growth and spread of malignant cells and the invasion of the tissue. This includes leukaemia (except chronic lymphocytic leukaemia), lymphomas and malignant melanomas, but excludes non-invasive cancers in situ, all skin cancers and tumours in the presence of a human-immune-deficiency virus.
• Heart attack: the death of a portion of heart muscle as a result of inadequate blood supply, which must occur with prolonged chest pain, new electro cardio graphic changes and an elevation in cardiac enzyme levels.
• Kidney failure: end stage renal disease due to chronic irreversible failure of both kidneys to function as a result of which the person insured must be required to undergo regular peritoneal dialysis or haemodialysis or renal transplantation.
• Stroke: any cerebrovascular incident producing neurogical sequel lasting more than 24 hours and including infarction of brain tissue, haemorrhage from an intra cranial vessel and embolisation caused by an extra cranial source. Evidence of permanent neurological deficit must be produced. Transient ischaemic attacks are specifically excluded.
• Coronary artery disease requiring surgery: open heart surgery undergone to correct narrowing or blockage of two or more coronary arteries by the use of saphenous vein grafts or internal mammary grafting, but excluding all non-surgical procedures such as balloon angioplasty or laser techniques. Angiographic evidence of the underlying disease must be provided.
• Major organ transplantation: the actual undergoing as a recipient of a transplant of a heart, lung, liver, pancreas or bone marrow.
• Blindness: Total and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an ophthalmologist.

Exclusions applicable in case of death and permanent total disability

• Suicide while sane or insane.
• Pre-existing conditions.
• A Sickness directly or indirectly attributed to HIV and/or any related illness including AIDS.
• Abuse of alcohol or drugs.
• War, or riot, or civil commotion, acts of terrorism.
• Radioactive contamination.
• Service in armed forces while on duty and active war.
• Illegal act/ criminal activity.
• Flight in a non-scheduled aircraft.
• Participation in any sport involving a motor engine (including rallies), Professional sports, boxing, scuba/ski, diving, parachuting or hang-gliding, horse racing and mountain climbing.

Additional exclusions for Permanent Total Disability

• Self-inflicted bodily injury while sane or insane.
• Psychiatric illness or any mental or nervous disorder.
• Subjective complaint not detectable with laboratory measurement, microbiological, biochemical means and/or imagining.
• Failure to undergo medical treatment recommended by a legally qualified medical practitioner.

In the event of claim

Just call us on 00962 6 5507000 Ext 819 and submit the relevant documents immediately in case of death or permanent total disability and within 30 days of the Diagnosis of Critical Illness accompanied by medical evidence as required by the Insurance company.

If you have any queries about "Credit Shield Plus" or would like to enjoy the benefits of the product, please don't hesitate to call us free on 0800 22044

Documents Required

• Copy of Passport(s) / Jordanian ID
• Recent dated salary and employment confirmation from employer
• If self employed, copy of commercial registration certificate and most recent 6 months company / personal bank statement
• Most recent 3 months bank statement of the account where salary / income is transferred (not required if account is with HSBC for more than 3 months)
• No documentation required for supplementary applicant
• Non Jordanian
  - Work Permit
  - Residency

* Documents submitted with the card application are Bank’s property.

Apply Now

• Apply Online...
• Call us on 0800 22229
• Visit the nearest HSBC branch