When we were tasked by HSBC Malaysia to create a digital presence for their credit cards, we knew we had an opportunity to refresh and redefine the credit card itself. A look at today’s credit cards from any bank will uncover merchant programs, deals, even entire shopping malls booked up by competitive banks all jousting at who can offer the best deal. Credit Cards have long been in a downwards spiral of ever increasingly competitive offers, deals, cashback, and rewards.
 
Back in the good ole days credit cards were a singlar representation of a person’s net worth. Where just 10 years ago Malaysian’s needed an invitation to get a platinum card, today  most cards offer an air (or an illusion) of exclusivity. We used to cherish the metal sheen of our credit cards, but now sadly the love is by at large gone for good. As the credit card has moved from exclusivity to ubiquity, from privilege and comfort to deals and financial flexibility – there’s now an opportunity to re-establish that emotional bond between the consumer and the card. And like most good things in life, the elements were already there for the building. HSBC has one of Malaysia’s leading merchant networks, amazing discount deals doubled up with a highly respected reward redemptions points. For us, the key to redefining the credit card is to act as a conduit between the consumers and the products they demand and what we’ve done is made the process of buying products easier, more efficient; smarter.