HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week HSBC Visa Debit Card ^Visa Zero Liability subject to investigation of unauthorised transaction. +home&Away Privilege Program terms and conditions. Making the most of your card Issued by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL 232595. This advertisement 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 www.hsbc.com.au HBAAVDC001-R01-0315 Get started with your HSBC Visa Debit Card Ensure the security of your card The protection of your HSBC Visa Debit Card is a high Congratulations on choosing the HSBC priority. To help protect your card from fraudulent activity: Visa Debit Card to access your HSBC • Sign your card as soon as you receive it • Keep your PIN secure – do not store your PIN with account(s). Enjoy the convenience of your card, don’t tell anyone your PIN and make sure shopping online, over the phone you prevent anyone from seeing your PIN or accessing your money in over • Check your statements and transactions regularly on Internet Banking and Phone Banking to identify any 170 countries around the world, fraudulent activity or transactions you don’t recognise wherever Visa is accepted. • Inform us straight away if you identify any fraud or want to dispute a transaction Your new card gives you access to Activate your card more ATMs and enables you to make Before you can use your HSBC Visa Debit Card, you purchases all over the world using your will need to activate it. For security reasons your card is own money, and all with no application sent inactive. or annual card fees. Other fees and Follow these simple steps to activate charges apply. your card Call This User Guide contains important 1. 1300 416 828 (or +61 2 9005 8131 from overseas) information on activating and using 2. Enter your Account Number printed on the back your new card, bringing you greater of your card or your Personal Banking Number convenience, flexibility and security. 3. Enter your 6 digit Access Code and follow the prompts. New customers will be prompted to create a 6 digit Access Code. If you don’t know or have forgotten your access code, simply follow the instructions during the call. Alternatively, you can activate your card at any HSBC branch. Your card number Worldwide acceptance Use your card number when Your card is accepted at over Visa payWave making purchases online, by 30 million merchants and phone, mail, or for bills and 1.4 million ATMs in over 170 Use the faster way to pay with your HSBC payWave recurring payments. countries worldwide, wherever enabled Visa Debit Card. For transactions under $100, the VISA symbol is displayed. simply wave and go and you’ll be on your way quicker in four simple steps. Step 1 Look for the contactless symbol on the terminal Enhanced security Visa payWave The embedded chip helps Your new card has Visa payWave protect and secure your contactless payment technology, personal information. which means you don’t have to Step 2 enter your PIN or sign to authorise The cashier enters the purchase amount, transactions under $100. and it’s displayed for you to see. Contact in Australia Contact when overseas Use this phone number to contact Use this phone number us about your card or account to contact us about your when you are in Australia. card or account when you are overseas. Step 3 When asked, wave your card over the reader, no more than 4cm away. 000 Australia Post Agency Banking CVV number Step 4 Make withdrawals and This number may be deposits into your account required when you make The terminal will indicate the transaction at any Australia Post outlet. purchases over the is complete – normally in just a few phone or online. seconds. You can then choose to have Signature a receipt printed. Sign your card immediately for your security. Using your card in Australia ATM Access in Australia Access over 3,000 ATMs around Australia with no To make purchases in-store ATM fee using your HSBC Visa Debit Card, including When making in-store purchases insert your card, all HSBC, Westpac, St.George, BankSA and Bank of press ‘Credit’ and enter your PIN to complete the Melbourne ATMs. transaction. Alternatively, use Visa payWave to make To locate your nearest ATM, download the HSBC contactless purchases under $100. The EMV chip Banking App available on iPhone and Android or visit gives added security helping to protect your personal hsbc.com.au/locations information and by pressing ‘Credit’ you have the added protection of Visa’s Zero Liability^ covering you Direct debits and recurring payments against fraud. You can pay your bills, set up recurring payments or direct debits using your HSBC Visa Debit Card 16 digit To make purchases online, by phone and mail number. You may also need to provide your name as Shopping with the convenience of Visa using your own it appears on the card, the card expiry date and CVV money is easy. You can use your HSBC Visa Debit number located on the reverse of the card. Card everywhere Visa is accepted, including making purchases online, over the phone and by mail. Simply Remember, if you receive a new HSBC Visa Debit Card provide your 16 digit card number when prompted to with a different card number, you will need to update your make purchases. If you’re asked for the CVV number card details for any recurring payments and direct debits. this is the 3 digit number on the reverse of the card, so Just contact the merchant or debiting organisation and have your card handy. they will change their records accordingly. Accessing your accounts Daily limits Here’s a quick reference on how to access your Your HSBC Visa Debit Card has the following daily limits: accounts. We recommend you always press ‘Credit’ rather than ‘Savings’ when purchasing in-store to get Type of Limit amount For the most out of your HSBC Visa Debit Card. transaction Daily Visa $10,000 In-store, online, Type of Account Debit $500 if under phone, mail and In Australia press transaction access Purchase 18 years of age overseas $1,000 ATM Cash Primary Account ‘Credit’ or ‘Savings’ ATM cash Daily Withdrawal withdrawals and Secondary Account ‘Cheque’ Withdrawal $100 if under 18 years of age in-store cash out In-store Primary Account ‘Credit’ or ‘Savings’ Purchase Secondary Account ‘Cheque’ In-store Primary Account ‘Savings’ Cashout Secondary Account ‘Cheque’ Using your card overseas Link multiple accounts to your HSBC Visa Debit Card Global access Your HSBC Visa Debit Card gives you access to your Your HSBC Visa Debit Card gives you the flexibility money at more than 1.4 million ATMs that display the to link up to two HSBC accounts to your card. To add Visa logo and is accepted by Visa’s 30 million merchants. a second account to your HSBC Visa Debit Card or HSBC also has a network of over 20,000 ATMs globally change your linked secondary account, simply which you can continue to access with your HSBC Visa contact HSBC. Debit Card. Make purchases in-store When making in-store purchases insert your card, Added security press ‘Credit’ and enter your PIN to complete the transaction. The EMV chip gives added security helping Visa’s Zero Liability^ to protect your personal information and by pressing ^ ‘Credit’ you have the added protection of Visa’s Zero With Visa’s Zero Liability you are covered for any Liability^ covering you against fraud. fraudulent or unauthorised transactions. You can use your card with no risk of loss as you are covered Withdrawing cash at ATMs against proven fraud to which you did not contribute. You can withdraw cash at any ATM around the world that displays the Visa or Plus logo. Just insert your card Card chip technology and enter your PIN for access to local currency. HSBC Visa Debit Cards have an embedded EMV chip which makes it harder to copy and alter, helping to Accessing your accounts protect your personal information and keeping your When overseas, you must press ‘Credit’ to access funds card secure. in your Primary Account. Access to any linked secondary accounts is only available in Australia. Please ensure you Reporting fraudulent or incorrect transactions have sufficient funds in the account before you leave. If you suspect any fraudulent activity on your card, you should contact HSBC Customer Service Centre Type of immediately on 1300 308 008 (or +61 2 9005 8187 if Account access Overseas press transaction overseas), 24 hours a day, 7 days a week. ATM Cash Primary Account ‘Credit’ You can dispute any incorrect transactions you find. Withdrawal Secondary Account - Report transactions within 30 days from the date they are posted. HSBC will investigate and may be able to In-store Primary Account ‘Credit’ ‘chargeback’ the Visa transaction for you. Purchase Secondary Account - For more information on disputes visit hsbc.com.au/debit In-store Primary Account - Cashout Secondary Account - Changing your PIN More information You are issued with a PIN when you get your card. Why is my current balance and available Your PIN can be changed at any HSBC ATM in balance different? Australia. HSBC ATM locations can be found at The available balance shows funds that are ready for hsbc.com.au/locations you to use straight away.