HSBC credit cards

HSBC
HSBC's overall rating for credit cards

(as rated by the Mozo community)

5.5 / 10

based on 139 reviews

One of the world’s largest banking and financial services organisations, HSBC started operations in Australia in 1965. From no annual fee cards, reward cards and balance transfer offers, HSBC has a number of credit card options depending on your financial preferences.

Rates and fees verified as correct at 10 December, 2016. Other information correct at the time of writing.

What credit cards do HSBC offer?

Take a look at the different kinds of HSBC Credit Cards that you can choose from:

Low fee credit cards Low fee credit cards

Looking for a low annual fee credit card? Check out one of the HSBC credit cards that come at $0 annual fee plus up to 55 interest free days. What’s more, you'll also get access to discounts and exclusive offers with the home&Away Privilege Program.

Product Purchase rate Balance transfer rate Annual fees Interest free days

17.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$0

55

19.99% p.a.

5.99% p.a. for 6 months and then 21.99% p.a.

$0

55


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Rewards credit cards Rewards credit cards

Choose one of HSBC’s rewards cards to earn points on everyday purchases. The rewards credit cards are accepted at more than 32 million locations worldwide. You can redeem these reward points for things like gift cards, merchandise, hotel accommodation or flight tickets.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 15 months and then 21.99% p.a.

$149 Refunded when you spend over $6,000 p.a

Go to site

1 point per dollar on Visa, up to $2,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$199

Go to site

1 point per dollar on MasterCard, uncapped

19.99% p.a.

5.99% p.a. for 6 months and then 21.99% p.a.

$0

1 point per dollar on MasterCard, uncapped

19.99% p.a.

5.99% p.a. for 6 months and then 21.99% p.a.

$99


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Prestige cards Prestige cards

Get your hands on a premium credit card by going for an HSBC Platinum card. These will get you access to complimentary insurance benefits such as International Travel Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme, Transit Accident Insurance and Purchase Protection Insurance. What’s more, they’ll also earn you precious rewards points which can be redeemed for a number of offers.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 15 months and then 21.99% p.a.

$149 Refunded when you spend over $6,000 p.a

Go to site

1 point per dollar on Visa, up to $2,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$199

Go to site

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Frequent flyer credit cards Frequent flyer credit cards

A premium card with HSBC is ideal for frequent flyers to rack up those Qantas Points, which can be redeemed for flights, upgrades, hotel bookings and many other products in the online Qantas Store. You can earn points for every dollar you spend on eligible purchases in Australia or overseas.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, up to $2,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$199

Go to site

1 point per dollar on MasterCard, uncapped

19.99% p.a.

5.99% p.a. for 6 months and then 21.99% p.a.

$99


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Frequently Asked Questions about HSBC credit cards

    Q1. How can I access HSBC’s Internet banking service?

    Q2. How do I make HSBC Credit Card repayments?

    Q3. Will I be eligible for an interest free period with a HSBC Credit Card?

    Q4. Can I withdraw cash from an ATM using a HSBC Credit Card?

    Q5. Can I use a HSBC Credit Card outside Australia?

    Q6. What happens if I lose my HSBC Credit Card?

    Q7. Can I get an additional card for my HSBC Credit Card account?

    Q8. Can I use the ‘tap and go’ technology with a HSBC Credit Card?

    Q9. What is the home&Away Privilege Program?

    Q10. Is there a limit on the number of reward points I can earn every year?

How are HSBC credit cards rated?

The Mozo community has rated HSBC Credit Cards on a number of factors ranging from price, features, convenience and customer service.

HSBC credit cards

Overall 5.5*

Price

Features

Customer service

Convenience

Trust

139 Reviews

* Overall rating based on reviews in the past 12 months.

Recent HSBC credit card reviews Recent HSBC credit card reviews

HSBC

HSBC credit card review

Overall rating   5 / 10

I dislike this bank

After missing a payment by two days thanks to other banks being delayed, HSBC cancelled the card and now I have only a payment to make without the use of credit limit which was disappointment especially after being with them for 18 years.

Full review

After missing a payment by two days thanks to other banks being delayed, HSBC cancelled the card and now I have only a payment to make without the use of credit limit which was disappointment especially after being with them for 18 years.

    Price   5 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   5 / 10

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Peter (NSW), reviewed about 1 month ago

HSBC

HSBC Credit Card credit card review

Overall rating   9 / 10

Great service and fantastic rewards

Although their interest rate is high it does not affect us as we pay off our balance at each statement. Their rewards program is great and the points add up quickly and we often redeem for gift vouchers and treat ourselves to free purchases. They...

Full review

Although their interest rate is high it does not affect us as we pay off our balance at each statement. Their rewards program is great and the points add up quickly and we often redeem for gift vouchers and treat ourselves to free purchases. They are quick to notify us if they feel an unauthorised transaction has taken place, (which none were but we purchased something from overseas which aroused their suspicions )

    Price   5 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Garry (NSW), reviewed 6 months ago

HSBC

HSBC Platinum Credit Card credit card review

Overall rating   3 / 10

Great customer service

Terrible interest rates

Full review

Terrible interest rates

    Price   3 / 10

    Features   3 / 10

    Customer service   10 / 10

    Convenience   1 / 10

    Trust   5 / 10

Less

Ellen (NSW), reviewed 8 months ago

HSBC

HSBC Credit Card credit card review

Overall rating   0 / 10

Run and don't look back.

The only place I have seen good reviews is on here. Which to me is somewhat suspect. This is the worst bank EVER. Seriously run the other way. I was roped into the credit card and there has been one issue after another. From them randomly...

Full review

The only place I have seen good reviews is on here. Which to me is somewhat suspect. This is the worst bank EVER. Seriously run the other way. I was roped into the credit card and there has been one issue after another. From them randomly canceling the cards (I have had three cards cancelled with explanations of "Sorry we don't know what happened') to just plain old terrible and poor communication and customer service. This "Bank" is an all over fail. I can not wait to finalise credit transfer and get the hell out of this poor excuse of a company. Would not recommend to my worst enemy.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Melissa (QLD), reviewed 8 months ago

HSBC

HSBC Credit Card credit card review

Overall rating   9 / 10

Great customer service secure online banking setup

Well for example I haven't been able to make payments recently and they haven't hassled me or debited from my savings account. I guess its up to me! :P just great interest rates etc

Full review

Well for example I haven't been able to make payments recently and they haven't hassled me or debited from my savings account. I guess its up to me! :P just great interest rates etc

    Price   8 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Shannon (QLD), reviewed 8 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a HSBC credit card? What do you need to apply for a HSBC credit card?

Once you’ve had a careful look at the different HSBC Credit Cards available and selected the one that works out best for you, click on the ‘Go to site’ button on Mozo to reach HSBC’s website directly.

The website will then help you get started with the application process, which is quite straightforward. The online application form will require you to punch in some information like your contact details and identity proofs such as a driver’s licence, passport or birth certificate. You’ll also need to be at least 18 years of age, have a specified minimum annual income (which varied for the different cards) and be an Australian resident for taxation purposes.

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