Your selected credit cards
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.
Your selected credit cards
Bank customer service is excellent however no physical branches in regional areas.
I like HSBC for its international presence and convenience when travelling - it has ATMs everywhere in the world - and the card is always accepted.
The Global debit card works with pin number in restaurants and shops. If you try to buy tickets online it will send a OTP, one touch password, to your australian mobile. Absolutely useless if you are using a local SIM on holiday and your australia service is not on your phone or set up for roaming. Other banks like LLOYDS allow verification via their app. Improvement needed!
The card had a great sign up bonus initially however I found customer service extremely card to get in contact with. When I wanted to cancel the card, they gave me the run around and were extremely unhelpful. I would not take out another card with HSBC simply because the customer service is so woeful.
HSBC Australia is committing to fraudulent actions to rip off their customers. Their Customer Service is unbelievably terrible, and gives basically zero support to customers. In addition, they cheat their customers. I encountered a few fraudulent transactions (total 20k AUD), I immediately disputed, but they didn’t take any action for a month and didn’t reverse or cancel the transactions, to make the matter worse, although i cancelled auto debit services, they deducted full amount including disputed items at the end of the month with no my permission. I immediately complained at their customer service but they just continued to say they can’t do anything. This is unbelievable business conduct and HSBC Bank Australia is definitely committing to frauds and cheating their customers. I highly recommend NOT to use HSBC Bank Australia as 1) their customer service is terrible, 2) they try to rip off your money and 3) they commit unlawful transactions to make money.
After having read many reviews I was a little reluctant to apply. I must say the process from start to finish was surprisingly seamless and straightforward. I already have a accounts with them and unlike a major bank I have been with for years they were far more helpful.
I've had the most frustrating credit card application experience with HSBC by far. I applied for a credit card 3 weeks ago but I am still waiting on the application result. I had to go to a branch twice and call the help desk 6-7 times to get an update and submit yet more documents and there is still no resolution. Their processes are very manual and outdated - I had to go to a branch to get an identification check. Departments don't seem to talk to each other - they asked me on the phone for documents I'd already uploaded and also submitted in person at the branch. They can't provide a meaningful update or commit to any timelines - on every call they tell me we will get back to you within X days or hours and they never stick to the promise. Don't bother, just go to another provider to save time.
I have had the worst experience with HSBC in relation to this credit card. With other credit cards I have had in the past, the application was fairly simple and was approved within a couple of weeks. I decided to get rid of my other card as I use Star Alliance all the time for regular travel, so wanted this card to maximize points. The application process took more than 10 weeks, with them asking me to provide a new document each week, I have wasted so much time on the phone with them. This is all despite the fact I have a sizable savings account balance with them and my salary going directly into my HSBC savings account (so they can see everything anyway). I don’t recommend HSBC credit cards to anyone, don’t waste your time!
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