"HSBC Blue Lion" usually refers to the HSBC Premier Card (also known as the Blue Lion Card), which is different from a credit card.

The HSBC Premier Card is a bank debit card with the following features and benefits:

- Cross-border transfers: no fees.

- Processing method: You do not need to go to the port, you can process it remotely in the nearest mainland city.

- Customer service: There is a dedicated account manager service to provide more comprehensive financial planning.

- Card customization: The card is customized and has its own name. The last three digits of the account number are usually 888.

-Global account services: After opening an account in one country, you can also open an HSBC Premier account in other countries and enjoy the services of local account managers and the privileges of global remittances.

- Emergency cash service: If your wallet is stolen, robbed or lost overseas, you can go to your local HSBC to withdraw a reserve of US$2,000 with zero interest and no guarantee.

However, the HSBC Premier Card also has some restrictions and requirements. For example, the threshold for opening an account is relatively high, requiring a minimum deposit of 500,000 yuan; later, if the domestic account is less than 500,000 yuan a month, or the Hong Kong account is less than 1 million Hong Kong dollars, A management fee of RMB 300/month or HKD 380/month will be deducted.

A credit card is a credit payment tool provided by banks, with the function of overdraft consumption. Users can consume first and then repay within a certain credit limit, and enjoy interest-free periods and other discounts. Different credit cards may have different benefits, promotions, points policies, etc.

When choosing, you can consider it based on your personal financial situation, financial management needs, consumption habits, and service requirements. If you have a higher amount of funds, a greater demand for cross-border financial services, and can meet the account fund requirements, the HSBC Premier Card may be more suitable; if you pay more attention to the convenience of consumer payment and the related rights and interests of credit cards, you can apply based on Choose a credit card that suits your needs. At the same time, when applying for relevant cards, you need to understand their specific terms, fees and policies in detail.

The above content mainly focuses on HSBC’s card services in Hong Kong. The specific situation may vary due to changes in regional and bank policies. For more accurate information, it is recommended to consult HSBC customer service or staff directly.