HSBC's Credit Card Shield

A protection plan that ensures outstanding balance on your HSBC credit cards1 are paid.

Credit card balance up to RM300,0002 owing to HSBC Bank Malaysia Berhad ("HSBC") from both primary and supplementary cards will be paid in the event of the primary cardholder's:

  • Death; or
  • Total and Permanent Disability; or
  • First diagnosis of the 36 covered Critical Illnesses.

All these benefits come with an affordable premium of 0.46% of your monthly outstanding balance.

This product is underwritten by Allianz Life Insurance Malaysia Berhad.

1 Coverage is up to a maximum of two primary credit cards only issued by HSBC Bank Malaysia Berhad.2 Maximum coverage is RM150,000 per HSBC credit card.

Features & Benefits

Settles your HSBC credit card outstanding balance in the event of Death, Total and Permanent Disability or upon first diagnosis of the 36 covered Critical Illness up to a maximum of RM300,000

Affordable premium of 0.46% of your monthly outstanding balance (E.g. For an outstanding credit card balance at statement date of RM1,000, the premium payable for that month is only RM4.60)

No premium will be charged when you don't have any outstanding balance. Premium is payable only when you have outstanding balance for that particular month as reflected in your HSBC credit card monthly statement!

Peace of mind for you and your family in case of any of the covered events.

Application for HSBC's Credit Card Shield

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Only credit cards issued by HSBC Bank Malaysia Berhad
Only credit cards issued by HSBC Bank Malaysia Berhad
Only credit cards issued by HSBC Bank Malaysia Berhad
Only credit cards issued by HSBC Bank Malaysia Berhad
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Eligibility is for customers aged 59 and below

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Note: You should take account of your existing policies when deciding whether or not to purchase HSBC's Credit Card Shield ("CCS").

CCS Terms and Conditions

1. CCS can only be purchased by HSBC credit cardholders whose age is between 18 to 60 years old. The insurance coverage term is up to maximum 65 years old.2. CCS can be purchased to cover a maximum of two HSBC primary credit cards and applicable only for credit cards issued by HSBC Bank Malaysia Berhad.3. CCS will only pay out the outstanding credit card balance for the two cards that you have selected. The maximum sum insured is RM150,000 per card, total maximum sum insured payable is RM300,000 per principal cardholder.4. The CCS premium will be debited to your HSBC credit card (s) which has the CCS cover.5. The coverage for CCS is subject to acceptance by Allianz Life Insurance Malaysia Berhad ("Allianz Life").6. Allianz Life can cancel the CCS policy by giving 60 days written notice.7. The premium rate for CCS is not guaranteed and Allianz Life reserves the right to revise the monthly premium rate by giving not less than 30 days written notice if there is an unexpected adverse actual claims experience of this product portfolio.

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