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HSBC Credit Card

$0 Annual Fee for the life of the card1

0% p.a. Balance Transfer for 6 Months from non-HSBC credit cards2

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HSBC Credit Card features

  • No annual fee for the life of the card1.
  • 0% p.a. Balance Transfer for 6 months2 from non-HSBC credit cards on application (reverting to the variable cash advance rate).
  • Up to 55 days interest-free on purchases3 when you pay the full balance (including any balance transfer, promotional purchases and the 0% p.a. balance transfer offer above) by the due date each month.
  • Special privileges at over 19,000 retailers in more than 160 countries and territories with the home&Away Privilege Program5.
  • Additional Cardholder at no extra cost.
  • Interest free purchases4 of up to 5 years at over 1,000 participating retail outlets across Australia (available at participating retailers, minimum purchases apply, reverts to the cash advance rate after the promotional period).

Offer available for new, approved HSBC credit card holders who apply by . Other fees and charges apply.

Key facts sheet
Important information

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Fees, charges, terms and conditions apply. Visit or call 132 152. HSBC's lending criteria apply. HSBC credit card account holders who have previously cancelled their card may be ineligible for this promotional offer.
1 The $0 annual fee is available for new customers and applies to the standard HSBC Credit Card only and only applies while you remain an HSBC Credit Card customer.
2 To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card. The interest rate on the balance transfer applies for six months and must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently as at and subject to change). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your HSBC Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. Offer not available to current or previous HSBC credit card holders.
3 Depending on when you make your purchases, when your statement is issued, and if you pay off the total outstanding balance on your next statement of account on or before the due date. There are no interest free days on cash advances and balance transfers. You will not gain the benefit of the interest free period unless you pay the full balance (including any Balance Transfer or promotional purchases) by the due date.
4 Available at participating retailers only. A list of retailers is available at Minimum purchase and conditions apply. Interest free finance is applied only to promotional transactions for the specified period. Balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the cash advance rate (currently . as at and subject to change). Monthly repayments are required and calculated at 3% of the outstanding balance or $30, whichever is higher.
5 home&Away Privilege Program conditions apply.