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HSBC Everyday Global Visa Debit Card

Ready for wherever you want to go

Get started with your HSBC Everyday Global Visa Debit CardEnsure your card is secureThe protection of your HSBC Everyday Global Visa Debit Card is high priority. To help prevent fraudulent activity:

• Sign your card as soon as you receive it

• Keep your PIN secure – do not store your PIN with your card, don’t tell anyone your PIN and make sure you prevent anyone from seeing your PIN

• Check your statements and transactions regularly on Online Banking and Phone Banking to identify any fraudulent activity or transactions you don’t recognise

• Inform us straight away if you identify any fraud or want to dispute a transaction

To activate your cardBefore you can use your HSBC Everyday Global Visa Debit Card, you will need to activate it via Online Banking or HSBC Mobile App. For security reasons, your card is sent inactive.

Using Online BankingIf you’re not already, register now using the last three digits of your BSB and your Account Number.

24/7 Banking with the HSBC Mobile AppMake sure you download the HSBC Australia Mobile Banking App for a faster and simpler banking experience, including 24/7 access to transfer currencies in your account.

We have a range of videos, how to guides and FAQs that you can access. All designed to help you make the most of your account. Go to: hsbc.com.au/ways-to-bank/

Please call us on 1300 308 008 (or +612 9005 8220 from overseas) if you need assistance or to activate over the phone.

Congratulations on choosing the HSBC Everyday Global Visa Debit Card. You can now enjoy these benefits at home and anywhere in the world:

• Save with no transaction fees1 charged by HSBC or Visa for cash withdrawals, online and store purchases.

• Save with no ATM fees1 charged by HSBC Australia or Visa worldwide.

• Spend your own money in multiple currencies.

• Avoid carrying large sums of cash and enjoy the same security and fraud protection as a Credit Card, including the protection from Visa Zero Liability 2.

• Access up to 9 major currencies via ATM, online and in-store. Money will be automatically converted from your balance of Australian Dollars if you don’t have sufficient money in the local currency.

• Additional currencies to the 9 available in the HSBC Everyday Global Account can be accessed, with money automatically converted from your balance of Australian Dollars to the local currency.

• Online and Mobile access to manage your currencies with easy transfer of funds 24/7 between currencies at competitive foreign currency exchange rates3.

• Save with no annual card fee or account service fees3, regardless of the number of withdrawals or deposits you make.

Unlock the benefits of Everyday Extras5 Deposit $2,000 or more each month and start earning 2% cashback6 (up to $50 per month) when you tap and pay with Visa payWave, Apple Pay or Google Pay™4 for eligible purchases up to $100 in Australia.

Calculate your earnings at hsbc.com.au/everydayglobal

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More informationWhy is my current balance and available balance different?The available balance shows funds that are ready for you to use straight away. The current balance may include card authorisations or pending transactions waiting to be processed.

What are card authorisations?Some merchants may check that you have sufficient funds in your account to pay the final bill – usually car rentals or hotels. They send an authorisation to HSBC, and on approval, some of your account balance is placed on hold for the future transaction to be processed against. This will mean that your available balance and current balance may be different until the transaction is finalised. These card authorisations may hold funds in your account for up to 8 days.

Disputed transactions and lost, stolen or damaged cardsContact HSBC on 1300 308 008 (or +612 9005 8220 if overseas) 24 hours a day, 7 days a week to report:

• Lost, stolen or damaged card

• Fraudulent or suspected fraudulent activity on your account should be reported within 30 days from the date the disputed transaction is posted. HSBC will investigate and may be able to ‘chargeback’ the Visa transaction for you.

Expired cards are automatically reissued every 3 years, 1 month before expiry.

For more information on disputes visit hsbc.com.au/debit

Changing your PINYou are issued with a PIN when you get your card. Your PIN can be changed at any time via Online Banking or at any HSBC ATM in Australia. HSBC ATM locations can be found at hsbc.com.au/locations

Added securityVisa’s Zero Liability2

With Visa’s Zero Liability2 you are covered for any fraudulent or unauthorised transactions. You can use your card with no risk of loss as you are covered against proven fraud to which you did not contribute.

Card chip technologyHSBC Visa Debit Cards have an embedded EMV chip which makes it harder to copy and alter, helping to protect your personal information and keeping your card secure.

Go to hsbc.com.au/debit and hsbc.com.au/everydayglobal

Call 1300 308 008 from Australia +61 2 9005 8220 from Overseas 24 hours a day, 7 days a week

For more information or assistance:

1. HSBC Group ATMs (in Argentina, Mexico and Uruguay) and other ATM owners/operators may charge an ATM Operator Fee for withdrawals or balance enquiries at their ATMs.2. Visa Zero Liability subject to investigation of unauthorised transaction. 3. Other fees and charges may apply. 4. Terms and conditions apply to the use of Apple Pay and Google Pay™. For details of Apple Pay visit: https://hsbc.com.au/applepay and for Google Pay™ visit: https://www.hsbc.com.au/googlepay. Not available on HSBC corporate credit cards. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see support.apple.com/km207105. Google Pay is currently available for Android™ devices running 4.4 (KitKat) or higher with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support to make purchases in stores and in apps.5. HSBC Everyday Extras is a feature of the HSBC Everyday Global Account. To continue to be eligible to receive Everyday Extras you will need to deposit AUD2,000 or more into your HSBC Everyday Global Account before the last day of each calendar month. 6. 2% of the purchase price is paid into your Everyday Global Account (capped at AUD50 per month) when you tap and pay using Visa payWave, Apple Pay or Google Pay™ for eligible purchases under AUD100. Eligible purchases must be made in Australian Dollars and where the merchant or its financial institution/ payment processor is registered in Australia. Excluded are purchases made for business, commercial or government purposes, cash withdrawals, foreign and non-fiat currency transfers (such as Bitcoin), travellers’ cheques, money orders or money transfers, vending machine transactions, point of sale cash withdrawals, debt repayments, refunds, payment reversals, gambling and transactions between HSBC accounts. HSBC may deduct payment of the Cashback offer where you reverse or cancel a transaction.7. Daily limit is based on Australian Eastern Standard Time (AEST).Issued by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL 232595.

This brochure provides general advice only and doesn’t take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) before acquiring this product, available by calling 1300 308 008, at your local branch or at hsbc.com.au

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