Details of interest rate, service fee and other charges of using HSBC Credit Card

Details of interest rate, service fee and other charges of using HSBC Credit Card
Effective from 11 October 2010

1. Interest rate	20% per annum
Beginning date of interest calculation	Posting Date
2. Minimum payment required	10% of the total monthly billing statement or at least THB 500
3. Cash Advance Fee*	3% of the total cash advance amount**
4. Interest Free period	Up to 51 days from the posting date
5. Fees by card type (THB per annum)*	VISA Platinum		VISA / MasterCard Gold			Visa Classic/ MasterCard Standard
	Primary	Supplementary	Primary		Supplementary	Primary		Supplementary
5.1 Joining fee	-	-	-		-	-		-
5.2 Annual fee	3,800	-	1,000		500	500		300
6. Payment Charges	Bangkok and greater Bangkok area***				Upcountry area
	Counter	ATM	Internet	Phone	Counter	ATM	Internet	Phone
Krung Thai Bank (No maximum limit)	25	10	15	-	25	20	15	-
Siam Commercial Bank (No maximum limit)	20	15	15	15	35	15	15	15
Bank of Ayudhya (No maximum limit)	20	20	20	10	35	35	35	20
KASIKORNBANK (No maximum limit)	25	15	15	15	40	20	20	20
United Overseas Bank (No maximum limit)	30	30	30	30	40	40	30	30
Thai Military Bank (No maximum limit)	15	15	15	15	30	15	15	15
Siam City Bank (Cash only, No maximum limit)	10	10	10	-	20	20	20	-
CIMB Thai Bank (Cash only, Maximum THB 100,000)	15	-	-	-	15	-	-	-
Bank for Agriculture and Agricultural Cooperatives (Cash only, maximum THB 70,000)	10	-	-	-	20	-	-	-
The Government Saving Bank (Cash only, No maximum limit)	10	10	-	-	20	10	-	-
Government Housing Bank (No maximum limit)	10	-	-	-	20	-	-	-
LH Bank (No maximum limit)	15	15	-	-	25	25	-	-
HSBC (No maximum limit)	50****	Free	Free	Free	-	-	Free	Free
HSBC Self-deposit box (Maximum THB 50,000)	Free	-	-	-	-	-	-	-
Pay at Post(Cash only, Maximum THB 50,000 per transaction)	10	-	-	-	10	-	-	-
Counter Service (Cash only, Maximum THB 30,000)	15	-	-	-	20	-	-	-
Jay Mart PayPoint (Cash only, No maximum limit)	15	-	-	-	15	-	-	-
mPAY STATION (Maximum THB 50,000)	15	-	-	-	15	-	-	-
TOT Customer Service Center (Cash only, Maximum THB 30,000)	15	-	-	-	15	-	-	-
True Partner (Cash only, Maximum THB 30,000)	15	-	-	-	20	-	-	-
TESCO Lotus Express (Cash only, Maximum THB 75,000 per transaction)*****	10	-	-	-	10	-	-	-
7. Debt collection fee*	THB 250 each time a cardholder fails to pay the due balance****
8. Replacement card fee*	THB 200/transaction
9. Copy of statement fee*	THB 50/transaction (credit card billing statement)
10. Copy of sales slip fee*	THB 200/transaction
11. Replacement credit card PIN fee*	THB 200/transaction
12. Currency conversion risk factor	Any transaction by the use of credit card in any foreign currency will be converted into Thai Baht at the exchange rate referenced by Visa Internationnal Inc. or MasterCard International Inc. with the hedging premium, not exceeding 2.0%
	Cardholder agrees and accepts that all expenses incurred from the card usage (including cash advances) in any currency other than Thai Baht shall be converted into Thai Baht pursuant to the inter-bank exchange rate as quoted by the credit card companies of which the Bank is a member, at the date when the Bank has been notified of the spending amount. However, if the foreign currency transaction is not US dollar, those expenses shall be converted into US dollar before converting into Thai Baht in order to collect with the Bank. To check the preliminary exchange rates for reference, please visit the following websites. For Visa: http://corporate.visa.com/pd/consumer_services/consumer_ex_rates.jsp For MasterCard: http://www.mastercard.com/us/personal/en/cardholderservices/currencyconversion/index.html In addition, cardholder acknowledges and agrees that the Bank is entitled to collecting the hedging premium from the Cardholder as stipulated by the Bank but not exceeding 2.0% of such exchange rates in order to protect the exchange rate risk.

Remarks :

* Fee and charges of item 3, 5, 7, 8, 9, 10 and 11 excluded VAT.

** Cardholder is to pay interest at 20% per annum for cash advance. Bank will calculate the interest from the date cash advance is made upto the date the amount is paid back in full.

*** Greater Bangkok areas = Samutprakarn, Nonthaburi and Patumthani

**** Free of charge for credit card payment of THB 100,000 or higher

***** Effective from 15 November 2010 onward

Krung Thai Bank and the Government Saving Bank : For payment of over 50,000 baht, 0.1% of exceeding amount will be charged with maximum of 1,000 baht

Siam Commercial Bank: For upcountry payment of over 100,000 baht, 0.1% of exceeding amount will be charged with maximum of 1,000 baht

LH Bank : will accept cheque of other banks within clearing zone only.

HSBC has announced this information on 1 October 2010

Download Letter of Conscent for Direct Debit Service

Details of interest rate, service fee and other charges of using HSBC Premier MasterCard^®
Effective from 11 October 2010

1. Interest rate	19% per annum
Beginning date of interest calculation	Posting Date
2. Minimum payment required	10% of the total monthly billing statement or at least THB 500
3. Cash Advance Fee*	3% of the total cash advance amount**
4. Interest Free period	Up to 51 days from the posting date
5. Fees by card type (THB per annum)*	HSBC Premier
	Primary				Supplementary
5.1 Joining fee	-				-
5.2 Annual fee	-				-
6. Payment Charges	Bangkok and greater Bangkok area***				Upcountry area
	Counter	ATM	Phone	Internet	Counter	ATM	Phone	Internet
Krung Thai Bank (No maximum limit)	25	10	15		25	20	-	15
Siam Commercial Bank (No maximum limit)	20	15	15	15	35	15	15	15
Bank of Ayudhya (No maximum limit)	20	20	20	10	35	35	20	35
KASIKORNBANK (No maximum limit)	25	15	15	15	40	20	20	20
United Overseas Bank (No maximum limit)	30	30	30	30	40	40	30	30
Thai Military Bank (No maximum limit)	15	15	15	15	30	15	15	15
Siam City Bank (Cash only, No maximum limit)	10	10	10	-	20	20	-	20
CIMB Thai Bank (Cash only, Maximum THB 100,000)	15****	-	-	-	15	-	-	-
Bank for Agriculture and Agricultural Cooperatives (Cash only, maximum THB 70,000)	10	-	-	-	20	-	-	-
The Government Saving Bank (Cash only, No maximum limit)	10	10	-	-	20	10	-	-
Government Housing Bank (No maximum limit)	10	-	-	-	20	-	-	-
LH Bank (No maximum limit)	15	15			25	25	-	-
HSBC (No maximum limit)	Free	Free	Free	Free	-	-	Free	Free
HSBC Self-deposit box (Maximum THB 50,000)	Free	-	-	-	-	-	-	-
Pay at Post Cash only, Maximum THB 50,000 per transaction)	10	-	-	-	10	-	-	-
Counter Service (Cash only, Maximum THB 30,000)	15	-	-	-	20	-	-	-
Jay Mart PayPoint (Cash only, No maximum limit)	15	-	-	-	15	-	-	-
mPAY STATION (Maximum THB 50,000)	15	-	-	-	15	-	-	-
TOT Customer Service Center (Cash only, Maximum THB 30,000)	15	-	-	-	15	-	-	-
True Partner (Cash only, Maximum THB 30,000)	15	-	-	-	20	-	-	-
TESCO Lotus Express (Cash only, Maximum THB 75,000 per transaction)****	10	-	-	-	10	-	-	-
7. Debt collection fee*	THB 250 each time a cardholder fails to pay the due balance****
8. Replacement card fee*	Free
9. Copy of statement fee*	THB 50/transaction (credit card billing statement)
10. Copy of sales slip fee*	THB 200/transaction
11. Replacement credit card PIN fee*	THB 200/transaction
12. Currency Conversion Risk Factor	Any transaction by the use of credit card in any foreign currency will be converted into Thai Baht at the exchange rate referenced by Visa Internationnal Inc. or MasterCard International Inc. with the hedging premium, not exceeding 2.0%
	Cardholder agrees and accepts that all expenses incurred from the card usage (including cash advances) in any currency other than Thai Baht shall be converted into Thai Baht pursuant to the inter-bank exchange rate as quoted by the credit card companies of which the Bank is a member, at the date when the Bank has been notified of the spending amount. However, if the foreign currency transaction is not US dollar, those expenses shall be converted into US dollar before converting into Thai Baht in order to collect with the Bank. To check the preliminary exchange rates for reference, please visit the following websites. For Visa: http://corporate.visa.com/pd/consumer_services/consumer_ex_rates.jsp For MasterCard: http://www.mastercard.com/us/personal/en/cardholderservices/currencyconversion/index.html In addition, cardholder acknowledges and agrees that the Bank is entitled to collecting the hedging premium from the Cardholder as stipulated by the Bank but not exceeding 2.0% of such exchange rates in order to protect the exchange rate risk.

Remarks :

* Fee and charges of item 3, 5, 7, 8, 9, 10 and 11 excluded VAT.

** Cardholder is to pay interest at 19% per annum for cash advance. Bank will calculate the interest from the date cash advance is made upto the date the amount is paid back in full.

*** Greater Bangkok areas = Samutprakarn, Nonthaburi and Patumthani

**** Effective from 15 November 2010 onward

Krung Thai Bank and The Government Saving Bank : For payment of over 50,000 baht, 0.1% of exceeding amount will be charged with maximum of 1,000 baht

Siam Commercial Bank : For upcountry payment of over 100,000 baht, 0.1% of exceeding amount will be charged with maximum of 1,000 baht