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SmartCash+

Get extra cash whenever you need it, and pay it back over a period that suits you.

Get cash quickly, when you need it most

SmartCash+ gives you access to extra cash from the additional credit limit on your HSBC Amanah credit card-i. 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+

Access the cash you need quickly

Get approved instantly, and get the money in your account on the next working day.

Enjoy a flexible payment period

Choose an instalment tenure from 12 months or up to 60 months.

Give yourself extra funding power

Add to your credit card-i's limit, all while keeping its spending limit.

Apply easily without any fuss

Apply today, with zero documents needed.

Choose a SmartCash+ tenure of 12 to 60 months

With SmartCash+, you can pay flexibly over your chosen tenure. The following table shows your tenure options and how much you'll need to pay in monthly instalments, based on a management rate of 7.88%.
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
With SmartCash+, you can pay flexibly over your chosen tenure. The following table shows your tenure options and how much you'll need to pay in monthly instalments, based on a management rate of 7.88%.
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 cr꧒edit card-i 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 Amanah SmartCash+ terms and conditions.  

How to apply for SmartCash+

Apply by SMS

SMS 'SMARTCASH' to 66300.

Apply by phone

HSBC Amanah customers, please call:

Frequently asked questions

You might also be interested in

Convert the available limit on your credit card-i into instant cash.
Make a request to increase your credit limit on your credit card-i to enjoy more flexibility with your spending.
Consolidate all the outstanding balances from your other credit cards on to your HSBC Amanah credit card-i.

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 Amanah'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 Amanah SmartCash Plus terms and conditions ꦓ(PDF, 145KB).

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