Utility Bill Payment
Purchase Protection
Family Protection Scheme
Travel
Internet Shopping Security

Utility Bill Payment

1. Can MobileCom & Fastlink and any periodic subscription bills be paid using a Credit Card from HSBC ?
Yes. MobileCom & Fastlink and any periodic bills can be paid using a Credit Card from HSBC. With this feature, cardholders can take advantage of 56 days of interest free credit if outstandings are paid in full.

Cardholders can also choose to pay as little as 5% of your monthly outstandings and revolve the balance at competitive interest rates.

2. How should the cardholder pay the bills?
The cardholder needs to register with the service provider. This registration process needs to be done only the first time. Subsequently the Credit Card will be debited with the transactions.

3. When will the amount be credited into the service provider account?
Payments will be submitted to the service provider within 3 working days from the date of receipt (each period). HSBC Bank is not responsible for disconnection or late charges by the service provider on account of payment if obligations are not being met.

4. Is there any charge for this service?
No, this service is free of charge. The cardholder can pay all his mobile phone bills, Internet bills, Magazine & TV subscription,fees and any other periodic bills.

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Purchase Protection 

1. What is Purchase Protection insurance?
This insurance is to cover cardholders against accidental damage, loss or theft of any item bought using their HSBC credit card.
This cover is valid not only for purchases in Jordan but also for purchases made while travelling outside Jordan.

2. Up to what period is the cover valid?
The cover is valid up to 30 days from the date of purchase within Jordan and up to 60 days from the date of purchase while travelling or outside country of residence.

3. How much is the claim under this insurance?
Classic cardholders get up to JOD 1000 for any one claim and a maximum of JOD 2000 for claims in a year. Gold cardholders get up to JOD 2000 for any one claim and a maximum of JOD 4000 for claims in a year. Insurers will pay the cardholders the claim value less a fee of JOD 30.

4. Within how many days should the claim be made?
Any claim should be made in writing within 7 days of the date of loss/damage/theft within Jordan and within 30 days from the date of loss/damage/theft outside the country of residence.

5. What is the claim procedure?
Cardholders need to call Arab Life & Accident Insurance Company on +962 6 569 3180 and request a claim form.

The following support documents needs to be attached along with the form:

• Original purchase receipt
• Photocopy of billing statement
• Photo of damaged property
• Damaged property when requested,
• Full description of the circumstances giving rise to loss/damage
• Original police report in respect of claim for lost, stolen or wilfully damaged property

Where some of these documents are not available, the insurer will make a decision on a case by case basis.

6. Are there any exclusions to the policy?
As with any policy, there are certain property that are excluded from purchase protection, like contact lenses & spectacles, dentures & other medical aids, consumables & perishables, cash, bank & currency notes, livestock. Also goods that are damaged due to manufacturer’s defect is excluded.

Cardholders may call Arab Life & Accident Insurance Company at
+962 6 569 3180 for more details.

7. Are purchases made on supplementary cards covered by Purchase Protection?
Yes, purchases made on supplementary cards are covered by Purchase Protection.

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Family Protection Scheme

1. What is the Family Protection scheme?
This insurance is to cover primary cardholders (for Primary and Supplementary transactions) under the age of 65 years against accidental death. In case of the unforeseen event, the cardholder’s beneficiary does not have to worry about paying the cardholder’s credit card bill. The outstanding Credit Card balance will be settled.

2. How much is the cover?
Cardholders will be covered for up to JOD 100,000*. In the event of a claim, the outstanding Credit Card balance will be settled.

*Limit of Indemnity of JOD 100,000 is subject to any other outstanding monies due to HSBC at the date of death.

3. How should a claim be made?
A written notice of the claim should be forwarded to HSBC Card Centre in Jordan.

The following support documents should be submitted along with the claim form:

• Death certificate.
• Police report.

4. Within how many days should the claim be made?
Claims should be made within 60 days from the date of the occurrence of the incident together with supporting evidence.

5. How does a cardholder get this insurance? Is there any registration?
This insurance is available automatically to HSBC Cardholders. There is no need to register to this particular insurance. However, at the time of death, the person should be a valid cardholder, i.e. should not have an expired card. Even if the plastic is valid, the bank records will need to prove that the cardholder was on books.

6. Can there be a claim under both travel insurance and family protection scheme?
Yes, claim can be made under both the policies if the eventuality occurs while travelling.

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Travel

1. What services are available from Traveller from HSBC? When tickets are purchased using an HSBC credit card, cardholders will get a free delivery of tickets anywhere in Jordan. In addition to that, HSBC cardholder can benefit from the following:

• One way car pick up from or to the airport for transactions above or equal to Jordanian Dinars 600.
• Two way car pick up to and from the airport for transactions above or equal of Jordanian Dinars 1,500.
• Exclusive rates on Meet & Assist service and access to VIP lounge.
• Dedicated 24 hours emergency assistance.
• Travel & Accident Insurance.
• Medical & Legal emergency assistance.

2. How can cardholders avail of the travel services?
Cardholders need to call The Orientals Travel Services toll free on 0800 22023 to make your reservations. Tickets need to be bought using their HSBC credit card to avail of the services.

3. Are these services available to other areas’ HSBC cardholder?
No, these services are exclusive to HSBC cardholders in Jordan.

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Internet Shopping Security

1. Is it safe to shop on the Internet?
Yes, provided you follow some simple security measures, which are detailed below.

2. What securities features should I look for?
Just as shopping malls have security guards, the Internet too has its own virtual security system. However, you must be aware that not all merchants provide these features. Here’s what you should look out for: 

• Encryption: This process scrambles your card details to ensure that only the intended merchant gets the message. SSL (Secure Sockets Layer) is the most common form of encryption. You will know if it is activated if an unbroken key or (lock symbol) appears in the bottom corner of your screen. The ‘http’ on the merchant’s web address will also change to ‘https://’.
• Security details: If a website is secure, it will feature a section which details the security measures.

3. How else can I protect myself?
It is prudent to have a Credit Card with a low credit limit exclusively for use on the Internet, like the In-Site Card from HSBC. This will limit your liability in case of a fraud. Also monitor your monthly card statements very carefully and report any suspicious activity within 30 days of the statement date.

4. What are the common problems related to Internet shopping?
Most problems can be traced back to dishonest merchants or misleading websites. Most complaints relate to cardholders paying more than they had expected or not receiving goods exactly as ordered. You can avoid these problems by choosing reputable merchants/websites.

5. What hidden costs should I be wary of while shopping on the Internet?
Never assume that the listed price is the final price. Always read the fine print. Check the delivery charges, the return policy, insurance cover, taxes, the transaction currency, exchange rates etc.

6. How can I keep track of my orders?
It is very important to keep a record of your online purchases. Once you have placed an order, save the purchase order on your computer or print a copy. Make sure you include the purchase confirmation number, purchase price and any relevant information.

7. What if I am uncertain about a merchant/website?
It is always advisable to shop from websites that are secure. However, if you need something from a website, which is not secure, make a small purchase as a trial measure first.

8. What should I do if my In-Site Card is lost or stolen?
Please call 0800 22044 (24 hours service) immediately and report the loss. You will not be responsible for any unauthorised transactions once the loss is reported.

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