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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.
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Last updated 5 December 2025
Important disclosures
HSBC credit cards
Low Rate Credit Card
Purchase rate
12.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 25.99% p.a. 2.00% balance transfer fee)
Annual fee
$99
Rewards program
-
No Partner link
Purchase rate
12.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 25.99% p.a. 2.00% balance transfer fee)
Annual card fee
$99
Intro fee
-
Interest free days on purchases
Up to 55
Cash advance rate
25.99% p.a.
Cash advance fee
3%, min $4.00
Foreign exchange margin
0%
Late payment fee
$30.00
Interest free days
Up to 55
Minimum credit limit
$1,000.00
Minimum repayment amount
$30.00
Minimum repayment percentage
3.00%
Additional cardholders
yes
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay
Rewards program
-
Rewards schemes
-
Rewards bonus points
-
Rewards description
-
Rewards flight options
-
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
Domestic travel insurance
Other benefits
Access to the Home&Away Privilege Program to receive discounts and benefits.
Other restrictions
-
Platinum Credit Card
Purchase rate
19.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual fee
$199
$0 in the first year
Rewards program
Rewards Plus
No Partner link
Purchase rate
19.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual card fee
$199
$0 in the first year
Intro fee
0.0
Interest free days on purchases
Up to 55
Cash advance rate
21.99% p.a.
Cash advance fee
3%, min $4.00
Foreign exchange margin
3.00%
Late payment fee
$30.00
Interest free days
Up to 55
Minimum credit limit
$6,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
3.00%
Additional cardholders
yes
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay
Rewards program
Rewards Plus
Rewards schemes
1.5 points per dollar on Visa, up to $120,000 per year
Rewards bonus points
Earn bonus points at 15 bonus partners including HSBC Travel Plus.
Rewards description
Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
Rewards flight options
You can choose to transfer points to airline programs including Cathay Pacific and Singapore Airlines KrisFlyer.
Rewards instant discounts
HSBC home&away program offers discounts on shopping, travel and more, in over 40 countries.
Rewards special offers
-
Rewards privileges
Concierge, Travel Insurance, Extended Warranty, Purchase Protection, Rental Vehicle Excess Insurance in Australia
Other benefits
Access to the Home&Away Privilege Program to receive discounts and benefits.
Other restrictions
-
Platinum Qantas Credit Card
Purchase rate
19.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual fee
$399
$0 in the first year
Rewards program
Qantas Frequent Flyer
No Partner link
Purchase rate
19.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual card fee
$399
$0 in the first year
Intro fee
0.0
Interest free days on purchases
Up to 55
Cash advance rate
21.99% p.a.
Cash advance fee
3%, min $4.00
Foreign exchange margin
3.00%
Late payment fee
$30.00
Interest free days
Up to 55
Minimum credit limit
$6,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
3.00%
Additional cardholders
yes
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay
Rewards program
Qantas Frequent Flyer
Rewards schemes
1 point per dollar on Visa, up to $120,000 per year
Rewards bonus points
One additional bonus point per dollar on select Qantas products. Earn 1.5 Qantas Points for every $1 spent on eligible purchases up to $120,000 during the first 12 months of your account. Earn 1 Qantas Point for every $1 spent on eligible purchases up to $120,000 in subsequent years
Rewards description
Points are automatically accredited to the Qantas Frequent Flyer Program.
Rewards flight options
All rewards redeemed via Qantas Frequent Flyer.
Rewards instant discounts
HSBC home&away program offers discounts on shopping, travel and more, in over 40 countries.
Rewards special offers
-
Rewards privileges
Concierge, Travel Insurance, Extended Warranty, Purchase Protection, Rental Vehicle Excess Insurance in Australia
Other benefits
-
Other restrictions
-
Premier World Mastercard
Purchase rate
19.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual fee
$199
$0 in the first year
Rewards program
Rewards Plus
No Partner link
Purchase rate
19.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual card fee
$199
$0 in the first year
Intro fee
0.0
Interest free days on purchases
Up to 55
Cash advance rate
21.99% p.a.
Cash advance fee
3%, min $4.00
Foreign exchange margin
3.00%
Late payment fee
$30.00
Interest free days
Up to 55
Minimum credit limit
$10,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
3.00%
Additional cardholders
yes
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay
Rewards program
Rewards Plus
Rewards schemes
1.5 points per dollar on Mastercard, up to $120,000 per year
Rewards bonus points
-
Rewards description
Redeem your points for shopping, travel and merchandise rewards.
Rewards flight options
You can choose to transfer points to airline programs including Cathay Pacific and Singapore Airlines KrisFlyer.
Rewards instant discounts
HSBC home&away program offers discounts on shopping, travel and more, in over 40 countries.
Rewards special offers
-
Rewards privileges
Travel Insurance, Extended Warranty, Purchase Protection, Account alerts by SMS, Rental Vehicle Excess Insurance in Australia
Other benefits
Access to the Home&Away Privilege Program to receive discounts and benefits.
Other restrictions
Must have a minimum of $500,000 in loans or minimum $200,000 in savings and investments, or a combination of loans, savings and investments totalling a minimum of $500,000 with HSBC.
Premier World Mastercard
Purchase rate
19.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual fee
$399
$0 in the first year
Rewards program
Qantas Frequent Flyer
No Partner link
Purchase rate
19.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual card fee
$399
$0 in the first year
Intro fee
0.0
Interest free days on purchases
Up to 55
Cash advance rate
21.99% p.a.
Cash advance fee
3%, min $4.00
Foreign exchange margin
3.00%
Late payment fee
$30.00
Interest free days
Up to 55
Minimum credit limit
$10,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
3.00%
Additional cardholders
yes
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay
Rewards program
Qantas Frequent Flyer
Rewards schemes
1 point per dollar on Mastercard, up to $120,000 per year
Rewards bonus points
Earn 1.5 Qantas Points for every $1 spent on eligible purchases up to $120,000 during the first 12 months of your account. Earn 1 Qantas Point for every $1 spent on eligible purchases up to $120,000 in subsequent years
Rewards description
Points are automatically accredited to the Qantas Frequent Flyer Program.
Rewards flight options
All rewards redeemed via Qantas Frequent Flyer.
Rewards instant discounts
HSBC home&away program offers discounts on shopping, travel and more, in over 40 countries.
Rewards special offers
-
Rewards privileges
Travel Insurance, Extended Warranty, Purchase Protection, Account alerts by SMS, Rental Vehicle Excess Insurance in Australia
Other benefits
Access to the Home&Away Privilege Program to receive discounts and benefits.
Other restrictions
Must have a minimum of $500,000 in loans or minimum $200,000 in savings and investments, or a combination of loans, savings and investments totalling a minimum of $500,000 with HSBC.
Star Alliance Credit Card
Purchase rate
19.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual fee
$499
$0 in the first year
Rewards program
Star Alliance Rewards
No Partner link
Purchase rate
19.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 21.99% p.a. 2.00% balance transfer fee)
Annual card fee
$499
$0 in the first year
Intro fee
0.0
Interest free days on purchases
Up to 55
Cash advance rate
21.99% p.a.
Cash advance fee
3%, min $4.00
Foreign exchange margin
3.00%
Late payment fee
$30.00
Interest free days
Up to 55
Minimum credit limit
$6,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
3.00%
Additional cardholders
yes
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay
Rewards program
Star Alliance Rewards
Rewards schemes
1 point per dollar on Visa, up to $3,000 per month, then 0.5 points per dollar on Visa, uncapped
Rewards bonus points
-
Rewards description
Points are automatically accredited to the Star Alliance Rewards Program.
Rewards flight options
You can choose to transfer points to Star Alliance airline programs including Air Canada, Air New Zealand, EVA Air, Singapore Airlines, South African Airways, Thai Airways and United Airlines.
Rewards instant discounts
HSBC home&away program offers discounts on shopping, travel and more, in over 40 countries.
Rewards special offers
Earn 30,000 Voyager Miles when you apply for a new Star Alliance Credit Card and spend $4,000 or more with first 90 days. Apply by 31 May 2025
Rewards privileges
Travel Insurance, Extended Warranty, Purchase Protection, Rental Vehicle Excess Insurance in Australia
Other benefits
Fast Track to Star Alliance Gold Status by spending $4,000 on eligible purchases within the first 90 days, for the nominated Star Alliance Member Airline.
Other restrictions
-
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Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
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Important disclosures
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Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Important disclosures
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We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
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