HSBC Amanah Debit Card-i Overseas & Card-Not-Present Transactions Frequently Asked Questions

Q: What is overseas transaction?

A: An overseas transaction is a transaction that is performed outside Malaysia such as overseas ATM
cash withdrawals and point-of-sale purchase (POS) transactions.
Q: What is card-not-present transaction (CNP)?
A: A CNP transaction is a card payment transaction where the cardholder is not physically present (i.e.
non face-to-face) at the merchant when the payment is made. CNP transaction includes the
following:
- Non-secured online transaction
- Mail Order Telephone Order
- Standing Instruction (SI)
Q: What is this initiative all about? Debit cardholders were previously not required to provide
consent to perform overseas and CNP transactions. Why are debit cardholders now required to
provide consent?
A: Banks are now required to block any cardholder using a debit card, or prepaid card from making
any overseas and CNP transactions which are not authenticated via strong authentication method
such as dynamic password, to protect and prevent bank customers from becoming victims of ebanking, direct debit and card-not-present fraud. However, if the cardholder understands the risks
of such transactions and wishes to continue with them, he/ she can opt-in to perform such
transactions.
Q: How do I opt-in to perform CNP and overseas transactions with HSBC Amanah Visa Debit Card-i?
A: By walking into any local HSBC Bank/HSBC Amanah branch or contacting HSBC Amanah Call Centre:
HSBC Amanah Visa Debit Card-i
HSBC Amanah Advance Visa Debit Card-i
HSBC Amanah Premier Visa Debit Card-i

+603 8321 5200

+603 8321 5222

Q: What will happen if I fail to opt-in by 9th July 2015?

A: If you have not opted-in for overseas and/or CNP transactions by 9th July 2015, you will not be able
to perform these transactions from 13th July 2015 onwards.
Q: Can I opt-in to perform CNP only and not overseas transactions or vice versa?
A: Yes, you have the choice of opting-in for either CNP or overseas transactions or for both.

Q: I am residing overseas or I am currently not in Malaysia. How can I opt-in to perform these
transactions?
A: You may contact our HSBC Amanah Call Centre to opt-in.
Q: If I opt-in now to perform CNP and overseas transactions, can I opt-out from performing these
transactions in the future and how do I do so?
A: You may opt-out of performing these transactions anytime by walking into any local HSBC/HSBC
Amanah branch or contacting our HSBC Amanah Call Centre.
Q: If I opt-in for CNP and overseas transactions, will it be effective immediately or is there a grace
period before I can perform these transactions? Will it be the same for opt-out?
A: It will be effective immediately on your instruction.
Q: What is the risk associated with CNP and overseas transactions?
A: When a CNP and/or overseas transaction is performed with your debit card-i, there is a risk of your
account data being compromised leading to such information being used for unauthorized POS
purchase transactions and/or ATM cash withdrawals. In the case of overseas transactions, card
verification features for POS transactions vary between countries and some countries/merchants
may not have secure verification features. Fraudulent transactions may occur if your account data is
compromised.