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    • HSBC Classic Visa

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    credit cards

    • Classic Visa card from HSBC

    • 20.50%

    • 0.00% for 6 months and then 21.99%

    • $59.00

    • 55

    Rewards scheme

    • Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    • All flights are redeemed via HSBC Travel Plus
    • Earn bonus points at 15 bonus partners including HSBC Travel Plus.
    • HSBC home&away program offers discounts on shopping, travel and more, in over 40 countries.

    Value of rewards points

    • Example reward
    • You'd need to spend
    • Flight: Sydney-Melbourne
    • $15,300
    • $100 cash back
    • $20,000
    • Flight: Sydney-London
    • $187,500
    • $100 gift card
    • $18,400
    • Points are capped?
    • at $100,000 pa
    • Points expire?
    • 36 months

    Details behind our 'value of rewards' calculations

    • Points earning 1 points per dollar on Visa, up to 100000 points per year
    • Flight: Sydney-Melbourne 18600 points required. 15000 points buys a $100 travel credit; assumed flight cost is $124
    • $100 cash back 20000 points buys a $100 credit
    • Flight: Sydney-London 187500 points required. 150000 points buys a $1000 travel credit; assumed flight cost is $1250
    • $100 gift card 18400 points buys a Myer $100 Gift Card

    (how did we do it? find out...)

    Rates

    Purchase rate
    20.50%
    Intro purchase rate
    none
    Balance transfer rate
    0.00% for 6 months and then 21.99%
    Balance transfer term
    6 Months
    Balance transfer revert to cash
    yes
    Cash advance rate
    21.99%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $30.00
    Minimum repayment percent
    2.5

    Fees

    Annual card fee
    $59.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $0.00
    Late payment fee
    $30.00
    Overlimit fee
    $30.00
    Cash advance fee
    $3%, min $4.00
    Foreign exchange margin
    3.00%
    Duplicate statement fee
    $8.00
    Transaction verification fee
    $15.00
    Additional card fee
    $0.00
    Establishment fee
    $

    Features

    Additional cardholders
    yes
    Other restrictions
    Points capped at 100,000 within a 12 month period. 2.0% handling fee applies to balance transfers.
    Other benefits
    Access to the Home&Away Privilege Program to receive discounts and benefits.

    About HSBC

    HSBC in Australia is part of the HSBC Group, one of the world’s largest banking and financial services organisations. HSBC has products for every money need you can think of, including savings accounts and term deposits for your day-to-day money management, a suite of home loans to finance your dream home, plus credit card and personal loan options. With branches all over the world, HSBC is the world’s local bank!

    How are HSBC credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    HSBC credit cards 5.6 Based on 64
    HSBC credit card reviews     		5.2 5.3 5.5 5.2 5.4

    Read HSBC credit card reviews by the Mozo community

    Latest reviews of HSBC Classic Visa

      • Bankwest Breeze *

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        Unhelpful service with a sting

          11. Overall customer rating
          12. (Reviewed 15 days ago)

        Payment date changes every month and if your late you get charged and have to deal with rude customer service operators       Full review 

        Payment date changes every month and if your late you get charged and have to deal with rude customer service operators


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        HSBC Classic Visa credit card review by Tania from South Australia

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        Yes

      • Bankwest Breeze *

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        * Fees and charges are payable

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        Stay away from HSBC!

          11. Overall customer rating
          12. (Reviewed about 1 month ago)

        HSBC are appalling. Whatever you do, don't get one of their credit cards. If you have the misfortune to forget to pay they call and call and then the charges are horrendous. I missed a $74 payment because of holidays ( yes I should have been bette...       Full review 

        HSBC are appalling. Whatever you do, don't get one of their credit cards. If you have the misfortune to forget to pay they call and call and then the charges are horrendous. I missed a $74 payment because of holidays ( yes I should have been better organised) and they charged a $30 late fee reminder ( the pleasure of being hounded and then the painful call with the 3 minutes of checking who you are and slowly getting to the point). I ended up hanging up after stating pleasantly that I would pay the full amount that day and because I hung up they cancelled the card. I have also been charged interest for last month and then everyday this month it is overdue. Disgusting. Go elsewhere!


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        HSBC Classic Visa credit card review by Alison from New South Wales

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        Yes

      • Bankwest Breeze *

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        * Fees and charges are payable

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        Great card for emergencies

          11. Overall customer rating
          12. (Reviewed about 1 month ago)

        No fills - interest free days - competitive rates - I love that I can make a purchase and if I pay the balance in full - I don't pay any interest - and I don't pay an annual fee - it is a great card to keep for emergencies without having to worry ...       Full review 

        No fills - interest free days - competitive rates - I love that I can make a purchase and if I pay the balance in full - I don't pay any interest - and I don't pay an annual fee - it is a great card to keep for emergencies without having to worry about that annual fee.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        HSBC Classic Visa credit card review by Angela from Tasmania

        Was this review helpful?

        Yes

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