Star Alliance Credit Card card image

HSBC Star Alliance Credit Card

Advertiser disclosure
Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)
Annual fees
$450 $0 in the first year
Interest free days on purchases
55

Mozo editorial review HSBC Star Alliance Credit Card - last updated: 18 October 2023

binocular icon
What's hot
  • 1 Star Alliance point per $1 spent up to $3,000 (0.5 points per $1 thereafter, uncapped)
  • Star Alliance points can be converted to frequent flyer points with 7 alliance member airlines
  • Spend $4,000 within first 90 days of approval to receive Gold membership status with alliance member airline of your choice
What's not
  • $450 annual fee
  • $60,000 annual credit card spend required to maintain Gold member status after first year
Mozo snapshot

If you’re a jet-setter with a thing for world travel, the HSBC Star Alliance Credit Card might be one to watch. Spending on this card will net you Star Alliance points, which can be transferred to any of the 7 alliance member airlines: Air Canada, Air New Zealand, Singapore Airlines, United Airlines, Thai Airways, EVA Air, South African Airways. You can also move points between member airlines.

There are a whole host of other travel perks, like complimentary travel insurance and 6 months interest-free on flights booked directly with member airlines. You’ll also have your first year fee waived, and if you spend $4,000 in the first 90 days of approval, you’ll be fast-tracked to Gold status (or equivalent) with your choice of alliance member airlines.

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Key features

While many frequent flyer credit cards are linked to one airline’s loyalty program, the HSBC Star Alliance Credit Card has been created in partnership with 7 different member airlines to allow you maximum flexibility with your points.

For every $1 you spend, you will earn 1 Star Alliance point (up to $3,000, after which every $1 spent will be worth 0.5 points uncapped). These points can then be converted to the loyalty scheme of your choice with a member airline. 

The purchase rate on this card is fairly standard for a rewards card, sitting at 19.99% p.a. There is a considerable $450 annual fee, waived in the first year, to consider. 

Spending $4,000 within the first 90 days of approval on this card will also fast track you to gold membership status (or equivalent) with the member airline of your choosing. If you do wish to continue this after the first year, retaining gold membership will require an annual card spend of $60,000 (or $30,000 for silver membership status).

There are some other perks to consider: you’ll be able to book flights directly through any member airline and receive 6 months interest free. There is also included travel insurance. 

If you are switching over from another card with an existing balance, there is a 0% interest on your balance transfer for the first 12 months (with a 2% balance transfer fee). After this, any remaining balance will be charged at the cash rate of 21.99% p.a.

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Who is it good for

This card could be a game-changer for frequent flyers, specifically those who spread their travel out between multiple airlines. If you travel frequently with one of the airlines serviced by this card that isn’t well connected with other loyalty programs in Australia, this could be a great way to maintain your status and earn points. 

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Any catches

If you’re mostly loyal to one airline - especially one that is not a member of Star Alliance - then this might not be the card for you. Bear in mind as well that while achieving gold status is easy with this card, it can be costly to keep up.

The $450 annual fee is also a major factor to keep in mind, though it is waived in the first year. 

Rewards program details

Rates and fees information correct as at 31 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

181,250 points

Fly Sydney to Melbourne one-way

-

$100 Giftcard

-

$100 Cash

-

Points earning

1 point per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

Rewards scheme

Points are automatically accredited to the Star Alliance Rewards Program.

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.

HSBC home&away program offers discounts on shopping, travel and more, in over 40 countries.

Value of rewards points

Spend $326,500 (Visa)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

19.99% p.a.

none

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

yes

21.99% p.a.

55

Fees

$450.00

$0 in the first year

none

$0.00

$30.00

3%, min $4.00

3.00%

$8.00

$0.00

$0.00

Features

$20.00

3.0

yes

none

Payment options

Apple Pay, Google Wallet

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.

Customer Reviews

How are HSBC credit cards rated by the Mozo community?

Overall
6.5/10
Price
5.5/10
Features
5.5/10
Customer service
5.5/10
Convenience
5.4/10
Trust
5.7/10
Based on 473 HSBC credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest review of HSBC Star Alliance Credit Card

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