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 19 September, 2020. Other information correct at the time of writing.
Take a look at the different kinds of HSBC Credit Cards that you can choose from:
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
| 12.99% p.a. | 0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee) | $99 | 55 |
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 on purchases |
|---|---|---|---|---|
| 19.99% p.a. | 5.99% p.a. for 6 months and then 21.99% p.a. | $0 | 55 |
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 through the HSBC Rewards Plus Program 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, up to 10000 points per month | 19.99% p.a. | 0% p.a. for 22 months and then 21.99% p.a. | $129 Refunded when you spend over $6,000 p.a | |
| 1 point per dollar on Visa, up to 1000 points per month, then | 19.99% p.a. | 0% p.a. for 12 months and then 21.99% p.a. | $99 | |
| 1 point per dollar on Mastercard, up to 10000 points per month | 19.99% p.a. | 5.99% p.a. for 6 months and then 21.99% p.a. | $0 | |
| 1 point per dollar on Mastercard, up to 10000 points per month | 19.99% p.a. | 5.99% p.a. for 6 months and then 21.99% p.a. | $99 |
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, up to 10000 points per month | 19.99% p.a. | 0% p.a. for 22 months and then 21.99% p.a. | $129 Refunded when you spend over $6,000 p.a | |
| 1 point per dollar on Visa, up to 1000 points per month, then | 19.99% p.a. | 0% p.a. for 12 months and then 21.99% p.a. | $99 |
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 1000 points per month, then | 19.99% p.a. | 0% p.a. for 12 months and then 21.99% p.a. | $99 | |
| 1 point per dollar on Mastercard, up to 10000 points per month | 19.99% p.a. | 5.99% p.a. for 6 months and then 21.99% p.a. | $99 |
You can register for HSBC's online banking service by simply calling their Customer Service Centre. If you’re a Premier customer, you’ll need to call the HSBC Premier Centre.
You can choose from a number of ways to make HSBC Credit Card repayments such as direct debit, BPAY or Internet banking. If you’re not comfortable with online or phone banking, you can go over to the nearest HSBC branch to make an over the counter cash or cheque payment. Alternatively, you also have the option to mail a cheque along with the payment slip.
HSBC Credit Cards offer up to 55 days interest free on qualifying purchases, when you pay the full balance every month. Do remember that there are no interest free days for cash advances. You will however different terms and conditions applicable for the various cards.
Yes, you can use a HSBC Credit Card to withdraw cash from any ATM as long as it carries the 'Visa' or 'PLUS' or 'MasterCard' logos. But do remember that unlike for debit cards, withdrawals from ATMs using credit cards are treated as Cash Advances, with interest charged from the date of withdrawal.
Yes, of course. You can use the HSBC Credit Card at more than 22 million Visa merchants across the world using your signature or PIN. If you’re a Premier credit cardholder, you can use your card anywhere MasterCard is accepted. But do remember that there could be additional overseas transactional charges applicable for using your card in other countries.
First of all, you must report that your HSBC Credit Card has been lost or stolen as soon as possible, by calling the customer support centre, which is accessible all day, every day. Your card can then be blocked so no one else can use it and a new card can be issued. This usually takes 7 days but if you need an urgent or overseas card replacement, let your HSBC consultant know.
Yes, you can apply for multiple additional cards for your HSBC Credit Card account by completing a simple online application form. The additional cardholder may also need to provide certain documents such as proof of identity and address.
Yes, you can make contactless payments with a HSBC Credit Card. This means that for making purchases under $100, you won’t need you to swipe, sign or enter your PIN. All you need to do is hold your credit card to the reader for a quick payment.
HSBC's home&Away Privilege Program caters to HSBC credit and debit cardholders with a whole range of exclusive offers and discounts on shopping, dining and travel experiences.
While the HSBC Platinum and HSBC Premier Credit Cards do not have a limit on the number of points you can earn in a year, the HSBC Classic Card and the HSBC Qantas Platinum Card have a limit of 100,000 and 300,000 reward points per annum respectively.
The Mozo community has rated HSBC Credit Cards on a number of factors ranging from price, features, convenience and customer service.
HSBC are unhelpful to the max. They do not respond to calls and fail to reply by email / internet. HSBC will be quick to pick fault with customers but fail to support customers when they are genuinely trying to do the right thing.
HSBC are unhelpful to the max. They do not respond to calls and fail to reply by email / internet. HSBC will be quick to pick fault with customers but fail to support customers when they are genuinely trying to do the right thing.
Michael, Victoria, reviewed 17 days ago
They have provided an excellent service all round including customer service etc.
They have provided an excellent service all round including customer service etc.
Mariane, New South Wales, reviewed 30 days ago
It's a very good bank, the only down side is limited physical branches but online is good.
It's a very good bank, the only down side is limited physical branches but online is good.
John, Victoria, reviewed about 1 month ago
The most important thing, in my humble opinion, is the ability to rely on your card when in a tough situation. When overseas in March, our Prime Minister told all Australians travelling overseas to return home. Our card could not be authenticated...
The most important thing, in my humble opinion, is the ability to rely on your card when in a tough situation. When overseas in March, our Prime Minister told all Australians travelling overseas to return home. Our card could not be authenticated to book our return flight.
Margaret, Queensland, reviewed about 2 months ago
I have been using this organisation for less than 1 year. Their online banking system is archaic. If you update the app you will go backwards. Dumb bank. I will be closing my account ASAP.
I have been using this organisation for less than 1 year. Their online banking system is archaic. If you update the app you will go backwards. Dumb bank. I will be closing my account ASAP.
James, Western Australia, reviewed 3 months ago
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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
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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