Get cash quickly, when you need it most
SmartCash+ gives you access to extra cash from the additional credit limit on your HSBC credit card. You won’t need to provide any documents. Plus, you can pay it back flexibly in instalments over a tenure of up to 60 months.
Why get SmartCash+
Choose a SmartCash+ tenure of 12 to 60 months
| SmartCash+ amount (RM) at 7.88% p.a. | 12 months |
24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|
| 1,000 | 89.90 | 48.23 |
34.34 | 27.40 | 23.23 |
| 3,000 | 269.70 |
144.70 |
103.03 | 82.20 | 69.70 |
| 5,000 | 449.50 |
241.17 |
171.72 | 137.00 | 116.17 |
| 8,000 | 719.20 |
385.87 |
274.76 | 219.20 | 185.87 |
| 10,000 | 899.00 |
482.33 |
343.44 | 274.00 | 232.33 |
| SmartCash+ amount (RM) at 7.88% p.a. | 1,000 |
|---|---|
| 12 months |
89.90 |
| 24 months |
48.23 |
| 36 months | 34.34 |
| 48 months | 27.40 |
| 60 months | 23.23 |
| SmartCash+ amount (RM) at 7.88% p.a. | 3,000 |
| 12 months |
269.70 |
| 24 months |
144.70 |
| 36 months | 103.03 |
| 48 months | 82.20 |
| 60 months | 69.70 |
| SmartCash+ amount (RM) at 7.88% p.a. | 5,000 |
| 12 months |
449.50 |
| 24 months |
241.17 |
| 36 months | 171.72 |
| 48 months | 137.00 |
| 60 months | 116.17 |
| SmartCash+ amount (RM) at 7.88% p.a. | 8,000 |
| 12 months |
719.20 |
| 24 months |
385.87 |
| 36 months | 274.76 |
| 48 months | 219.20 |
| 60 months | 185.87 |
| SmartCash+ amount (RM) at 7.88% p.a. | 10,000 |
| 12 months |
899.00 |
| 24 months |
482.33 |
| 36 months | 343.44 |
| 48 months | 274.00 |
| 60 months | 232.33 |
Things you should know
Additional information
You can only use the additional limit granted to your credit card for SmartCash+. The minimum amount you can apply for is RM1,000, up to the limit you've been granted, in multiples of RM100. The maximum amount will be determined by us.
Once your SmartCash+ application has been approved, its details will be updated to the Central Credit Reference Information System (CCRIS). This is maintained by Bank Negara Malaysia. You shall pay 100% of the SmartCash+ monthly instalment due on or before the payment due date. This amount forms part of your minimum monthly payment.
The terms we’ve used here can also be found in the HSBC SmartCash+ terms and conditions.
How to apply for SmartCash+
Apply by SMS
SMS 'SMARTCASH' to 66300.
Apply by phone
HSBC Malaysia customers, please call:
- From within Malaysia: 1300 88 1388
- From overseas: +603 8321 5400
Frequently asked questions
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Important notes
The minimum amount for each SmartCash+ application is RM1,000 and must be in multiples of RM100. The maximum amount and interest rate offered is subject to the HSBC's approval. The approval is subject to credit assessment and minimum product limit. Upon approval of SmartCash+, the information relating to this application will be updated to Central Credit Reference Information System (CCRIS) database maintained by Bank Negara Malaysia. The cardholder shall pay 100% of the SmartCash+ monthly instalment which forms part of the minimum monthly payment due on or before the payment due date. The terms used herein are as defined in the HSBC SmartCash Plus terms and conditions (PDF).