Hi, I have been using HSBC Credit Card from prolong peroid. Even rarely given chance for eating up my pocket in terms of interest, fees extra... now they have removed the benefits which was informed me at time of enrolling for HSBC Credit Cards. 1. Surcharge Waiver. 2. Annual Fees Waiver. 3. Reduced the rewards points on transaction which i have made. Never trust the HSBC Customer Care guys and HSBC... I was in there trap, Be aware. Thanks, Trapped Customer of HSBC CC Dept. read full review »