If you use an HSBC credit card there are two concurrent promotions to be aware of. The first reduces the finance charge and can post a rebate to your next statement when you meet the spend and payment conditions. The second is an e-raffle where ordinary purchases or 0% installment transactions earn entries for larger prizes. Below I summarize how each offer works and how to register.
Offer 1: Reduced finance charge and rebate
This offer applies when you meet the spending and payment requirements. The key points are:
- 1% Finance Charge is the reduced finance charge that will be applied when you meet the conditions.
- PHP1,000 rebate is the maximum rebate that will be posted to your succeeding statement of account.
- The rebate and discounted finance charge apply when you spend PHP15,000 or more in a billing cycle and pay at least your minimum amount due for that cycle.
The rebate is credited to your next statement rather than applied immediately. This promo is valid Until November 22, 2025. Make sure you confirm the exact posting and eligibility details with HSBC if you are near the cutoff.
Offer 2: E-raffle entries for purchases and 0% installments
With the second promotion you earn entries into a grand raffle. The mechanics are straightforward:
- You receive 1 e-raffle entry for every PHP500 single-receipt purchase.
- You receive 10 e-raffle entries for any 0% installment transaction.
Prizes include:
- 2026 Tesla New Model Y – Long Range All-Wheel Drive in Ultra Red
- PAL roundtrip business class flights for two to Japan, Korea or Australia
- PHP120,000 worth of Caltex StarCash for a year
- PHP50,000 shopping spree at Stores Specialists Inc. brands
- Two iPhone16e 128GB
- One MacBook Air M1 256GB
To join the raffle you must register by SMS. The steps are:
- Text the word and code in this format: RAF R4EJB (RAF followed by a space and your 5-digit user code). For example: RAF R4EJB
- Send the SMS to 09191603900
The raffle promo runs Until January 31, 2026 and registration is accepted Until January 30, 2026. More information is available at https://hsbc.com.ph/150grandraffle
Terms and where to check details
General terms and additional conditions are posted by the bank. For the full terms refer to https://grp.hsbc/TSIS25B2. If you qualify for the rebate, check your succeeding statement for the posted credit and keep records of your qualifying transactions and payments.
If anything about the mechanics or eligibility is unclear, contact HSBC customer service before the promo end dates so you can confirm your account-specific status.