EVERYDAY BANKING

HSBC Business Debit Mastercard®

Manage day-to-day expenses and multicurrency spending with ease

Gives you full control of your finances with flexibility and reliability. Transact anytime, anywhere, with no annual fee and no handling fees for foreign currency transactions.

Features and benefits

Why you'll want it

Easy access to major currencies

Purchases and cash withdrawals in 12 major currencies will be debited directly from your Business Integrated Account*
Access to global ATM networks^

No fees, and extra rewards

Earn an uncapped 0.5% instant cash rebate on eligible spending
No handling fee for foreign currency transactions
No handling fee for local cash withdrawals from HSBC network ATMs in Hong Kong
No annual fee

Seamless contactless payments

Make contactless, card-not-present (CNP) and mobile wallet payments including Apple Pay, Google Pay™ and Samsung Pay™
Link your HSBC Business Debit Mastercard to Alipay to enjoy greater convenience and easily settle everyday transactions from ride-hailing to simple meals.

Always in control

More control and transparency on who makes payments, where and when
Instant SMS notifications on all card-not-present (CNP) transactions and changes to transaction limit

_{* Your spending in 12 major currencies will be debited directly from the corresponding foreign currency deposits in your Business Integrated Account if sufficient funds are in place. These currencies include AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB, SGD, THB, USD. Any transactions outside of these currencies or there are insufficient funds in relevant currency(ies), they will be settled in HKD according to the prevailing exchange rate.}

_{^ Cash withdrawal in RMB is not applicable via HSBC network ATM in Hong Kong.}

Manage your card with HSBC HK Business Express mobile app

Manage Business Debit Mastercard with HSBC HK Business Express mobile

Control use

Block/unblock cards temporarily

Control spending

Set daily and monthly spending limits
Set limits on contactless, e-wallet and card-not-present (CNP) transactions

Control ATM transactions

Set limits on the amount of domestic/overseas ATM withdrawals

Card control features are only available to customers with access to the HSBC HK Business Express mobile app

Enjoy the benefits of paying with mobile wallets

You may now use your HSBC Business Debit Mastercard® with Apple Pay®, Google Pay™ or Samsung Pay™ on your mobile device wherever you go, from grabbing a quick meal, procuring supplies for your business to settling operating expenses.

Learn more about the benefits and set-up process of using respective mobile wallets:

Download Apple Pay card user guide (PDF, 90KB)

Download Google Pay card user guide (PDF, 111KB)

Download Samsung Pay card user guide (PDF, 93KB)

^{Apple, the Apple logo, Apple Pay, Apple Watch, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.}
^{Google Pay and Google Play are trademarks of Google LLC.}
^{Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.}

HighFlyer Membership Offer (provided by Singapore Airlines Limited)

Enjoy the following exclusive privileges for successful online enrolment as a new Singapore Airlines Limited (“SIA”)’s HighFlyer member via SIA’s designated enrolment form with a designated promotion code:

(i) an extra 5,000 HighFlyer bonus points; and
(ii) a complimentary HighFlyer Silver tier membership with the below privileges for 12 months if your company signs a Discount Side Letter with SIA during the promotional period:
- a waiver of minimum annual net flown expenditure of HKD200,000 of SIA for such tier; and
- a corporate discount offer up to 24% for SIA’s flight sector(s) from Hong Kong to Singapore and return.

Offer valid till: 14 July 2026.
The offer is applicable to a company that successfully enrolls as a new HighFlyer member of SIA during the promotional period by submitting SIA’s designated online enrolment form at: https://bit.ly/HSBCMastercard_SQ_Promotion_EN.
Enter the designated promotion code as illustrated below in the box titled “Query or Comment” in the end of the online enrolment form in order to participate in this promotion for and on behalf of the company:
HSBCMasterXXXXXX
(Note: XXXXXX is the first 6 digits of the card number of the eligible HSBC Mastercard Commercial Card)
The offer of extra 5,000 HighFlyer bonus points is with limited quota on a first-come-first-served basis.
To enjoy the above privileges under “(ii) a complimentary HighFlyer Silver membership tier”, the company is required to sign a Discount Side Letter with SIA after successfully enrolled as a new HighFlyer member and before 14 July 2026.
Further offer details, please visit the website of the merchant: https://www.singaporeair.com/en_UK/hk/plan-travel/local-promotions/hk-hsbc-mastercard-commercial-card-offer/
For offer terms and conditions, please click HERE.
The above offer is also subject to the terms and conditions issued by the relevant merchant, please check with the relevant merchant for details.
In case of discrepancies between the English and Chinese versions, the English version shall prevail.

Enjoy cashless transactions with Alipay

eCommerce purchase protection of up to USD500 per occurrence and annually

Protect your online purchase when the item does not arrive, arrived damaged or does not match the seller’s description, and seller failed to refund. Cover is provided for up to USD500 per occurrence and annually.

_{The eCommerce purchase protection insurance is underwritten by AIG Asia Pacific Insurance Pte Ltd, to which Mastercard is the Policyholder. Details and claims are subject to the applicable terms and conditions.}

Free corporate liability coverage up to USD1.5 million per company per year

Free Corporate Liability Waiver Insurance to protect your company against eligible losses that might be incurred if an employee misuses a card.

_{The Corporate Liability Waiver Programme protection insurance is underwritten by AIG Asia Pacific Insurance Pte Ltd, to which Mastercard is the policyholder. To obtain the details and the Terms and Conditions of the Corporate Liability Waiver Programme, please contact AIG Asia Pacific Insurance Pte Ltd. Claims are subject to the applicable terms and conditions.}

B2B Marketplace & Merchant Offers

Mastercard Easy Savings Specials

How to apply

Existing HSBC Commercial Banking Customers

Log on to HSBC Business Internet Banking to apply for the card following the step-by-step application guide.

Not a Business Internet Banking registered user?

Download enrolment user guide or submit a paper application form to HSBC Business Centre

(This is an interactive Adobe PDF form that cannot be viewed in browser. Please download the form to your local drive and open it with Adobe Reader.)

Don’t yet have an HSBC Business Integrated Account?

You can now apply for an HSBC Business Debit Mastercard together with the HSBC Business Integrated Account.

Support payment in 12 major currencies

Watch the video now to learn how the HSBC Business Debit Mastercard and our Real-time FX solutions empower your business payment experience

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