Lighten up your credit card bills today. Enjoy as low as 0.70% add-on interest rate per month* when you transfer your non-HSBC credit card balance to your HSBC credit card.

* Terms and conditions apply.
Benefits and Features

Choose your preferred repayment term and add-on interest charges:
Save on interest charges with HSBC’s low add-on rates.

1.25% interest per month for 7 months
0.70% interest per month for 13 months
0.70% interest per month for 19 months
0.70%% interest per month for 25 months
Repayment terms made even lighter!
We’re giving you 1 extra month to repay your transferred balance making it lighter on your pocket. What’s more, unlike other cards, you have the option to pay as low as 5% of your outstanding balance when needed.**
Earn Bonus Points on your transferred balance and use them to redeem fabulous Rewards Items or free flights.
** Note that the Balance Transfer (”BT”) installment amount shall be posted as a regular transaction and shall form part of the total outstanding balance due on each account statement. If you revolve any portion of the total outstanding balance due in any given month, your BT installment amount shall be included in the computation of interest charges for that month. The Terms and Conditions of HSBC’s Installment Plan / RED Installment apply.
Steps to Apply
Enjoy great savings and lighter installment payments by simply following these steps:

1. Complete and sign the Balance Transfer application form
(BT form)
2. Attach the latest copy of your non-HSBC credit card Statement of Account (SOA).
3. Submit the BT form and your SOA through any of these convenient options:
• Fax to (02) 755-5070
• Drop it off at the HSBC branch nearest you.
Hurry! This is your chance to enjoy an add-on interest rate as low as 0.70% per month! For inquiries, please call (02) 85-800***.
***85-800 or 976-8000 for calls within Metro Manila
(02)85-800 or (02) 976-8000 for local mobile phones
1-800-1-888-8555 for domestic calls outside of Metro Manila
+[63](2) 85-800-00 for international calls
HSBC’s Lighten Up Balance Transfer Promo Mechanics

1. The Balance Transfer Facility of HSBC allows a Cardholder in good standing to transfer his/her outstanding card balances with other banks or credit card companies to his/her HSBC credit card. Under the Lighten Up Balance Transfer Promotion (the “Promo”), approved Balance Transfer Amounts will be subject to the following monthly add-on interest rates (the “Lighten Up BT Rates”), depending on the chosen repayment period:

No. of Months to Pay (Term) Add-On Interest Rate per Month Factor Rate Effective Interest Rate per Annum
7 months 1.25% 0.155357 25.7054%
13 months 0.70% 0.083923 15.2167%
19 months 0.70% 0.059632 15.3735%
25 months 0.70% 0.047000 15.3725%

Above Lighten Up BT Rates are valid from June 01 to August 31, 2008 only.
2. The Promo is open to all primary cardholders of HSBC credit cards (”Cardholders”) who avail of HSBC’s Balance Transfer Facility using HSBC’s Lighten Up Balance Transfer Application Form from June 01 to August 31, 2008. Both the Promo and the Balance Transfer Facility are not open to Supplementary Cardholders.
3. The Cardholder may only transfer balances from a primary, non-HSBC credit card under his/her name to his/her primary HSBC credit card. Balance Transfers from one HSBC credit card to another HSBC credit card are not allowed.
4. In order to qualify under the Promo, the Balance Transfer Amount must result to a monthly installment amount of at least Php500.00.
5. The maximum Balance Transfer Amount is 80% of the assigned limit on the HSBC credit card less the outstanding balance at the time of approval. HSBC shall have the absolute and exclusive right to approve or reject all Balance Transfer applications. Should the Cardholder’s available credit limit not be sufficient to cover the Balance Transfer Amount applied for, HSBC shall, at its sole discretion, determine and approve only a portion of the Balance Transfer Amount applied for without need to inform the Cardholder beforehand. The Cardholder shall be responsible for following up with HSBC on the status of his/her BT application. In case of rejection of a Balance Transfer application, HSBC is not required to notify the Cardholder of such rejection and the reason thereof. For this purpose, the Cardholder may call (02) 85-800 (for Metro Manila) or 1-800-1-888-8555 (for domestic toll-free where available). HSBC shall not be liable for delinquency of the Cardholder’s non-HSBC card, interest or any penalty charge imposed upon the Cardholder as a result of the rejection by HSBC of his/her BT application.
6. The monthly Balance Transfer Installment Amount shall be posted as a regular transaction on the HSBC Credit Card account and shall form part of the Total Amount Due on each statement of account. Cardholders shall have the option to pay the Minimum Amount Due, which is computed as 5% of the Total Amount Due, every month. If he/she does so, or if the Cardholder revolves any portion of the Total Amount Due in any given month, the Balance Transfer Installment Amount shall be included in the computation of the Finance Charge and Late Payment Charge (if applicable) for that month.
7. In case any portion of the Balance Transfer Amount remains unpaid after the chosen repayment period, the remaining unpaid Balance Transfer amount shall be charged the prevailing, standard monthly finance charge of the HSBC credit card.
8. Cardholders may inquire about the status of their Balance Transfer application by calling 85-800 or 976-8000 (within Metro Manila ), (02) 85-800 or (02) 976-8000 (for local mobile phones), 1-800-1-888-8555 (for domestic calls outside of Metro Manila), + [63](2)85-800-00 for international calls.
9. Once a Balance Transfer application is approved, HSBC shall pay, on behalf of the Cardholder, to the nearest payment center of the non-HSBC credit card the amount of the approved Balance Transfer Amount. HSBC shall not be liable for interest, or any over-payment of the credit card outstanding, nor for any late payment or other finance charge that the Cardholder may incur as a result of failure or delay by HSBC in making the payment before the due date of the Cardholder’s non-HSBC credit card.
10. Once approved, the Balance Transfer transaction can no longer be reversed. In case of pre-termination or cancellation of the approved Balance Transfer transaction before the end of the chosen repayment period, HSBC reserves the right to charge to the Cardholder’s account Three Hundred Pesos (Php300.00) or 5% of the Balance Transfer Amount remaining unpaid as of the date of pre-termination, whichever is higher, as a processing fee for the pre-termination of the Balance Transfer transaction.
11. The Terms and Conditions governing the issuance and use of the HSBC Credit Card and the HSBC’s Installment Plan/RED Installment are incorporated herein by reference and made an integral part thereof.
Per DTI-NCR Permit No. 2491. Series of 2008.

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