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. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$0 |
55 |
|
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$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 |
---|---|---|---|---|
1.5 points per dollar on Visa, up to $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$149 $0 in the first year |
|
1 point per dollar on Visa, up to $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$299 $0 in the first year |
|
1 point per dollar on Mastercard, up to $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$0 |
|
1 point per dollar on Mastercard, up to $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$0 |
|
1 point per dollar on Visa, up to $3,000 per month, then |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$450 $0 in the first year |
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 |
---|---|---|---|---|
1.5 points per dollar on Visa, up to $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$149 $0 in the first year |
|
1 point per dollar on Visa, up to $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$299 $0 in the first year |
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 $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$299 $0 in the first year |
|
1 point per dollar on Mastercard, up to $120,000 per year |
19.99% p.a. |
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee) |
$0 |
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.
Mozo users have rated HSBC credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
473 Reviews
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!
Read full reviewThe 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.
Read full reviewThe 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.
Read full reviewHSBC 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.
Read full reviewAfter 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 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!
Read full reviewI 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!
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.