Starting out

You have done the hard work. You have graduated, got on to the career ladder, and now it is time to take a break. So plan your trip carefully!

Depending on the length of your holiday, and where you intend to go, you need to make sure you will have access to your money wherever you are. An Advance Account-i will help you to prepare for your trip and keep in touch while you are away and also, through a sub account (Advance Link Account-i), it will provide an alternative to save and earns potentially higher profit rate – so you can achieve your holiday savings target faster. An Advance Account-i also allows you to set up standing instructions and direct debits through Personal Internet Banking or Telebanking so you can be sure that the bills are paid while you are away.

If you are in a hurry and need financing, you could apply for Anytime Money Personal Financing - i with high financing amount and affordable monthly payments.

Nowadays, carrying lots of cash is not a good idea, and traveller cheques can sometimes be difficult to encash, so perhaps you should apply for an MPower credit card-i before your trip so you can enjoy home&Away SmartPrivileges when you make your purchases overseas, and Cash Back for your retail purchases. Takaful Cards Protector will ease any financial worries over your credit card.

Remember to take out HSBC TravelSafe which offers you comprehensive and affordable cover for your travel needs. Apart from protecting you, it also provides coverage for your travel arrangements and belongings. Takaful PA Shield will also help to protect you in case of accidents.

Useful tips

Check out bookshops and libraries before you go – you will find guide books which tell you about your destination and all the best places to visit. Website is also a good place to check out your desired destination.

Be careful when using internet cafes; close all other websites when you are signed on to your account, and remember to log off properly!!

Take your HSBC Amanah contact numbers with you, and your details, so you can keep in touch. And phone your credit card issuers and let them know you are heading overseas so they do not suspect fraud when they see purchases in foreign countries. Furthermore, do remember to photostat your passport, credit cards and keep them at home with your love ones as this will come in handy if any unforeseen circumstances happen.