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FAQ: Credit Cards
Frequently Asked Questions
- Product features, rates & fees
- Your application
- Once your card is approved
- Using your card
- Reward programs
- Insurance options
If you would like more information about HSBC credit cards, or any other HSBC products and services, please call us on 132 152 (or +61 132 152 from overseas), or visit your local HSBC branch.
Product features, rates & fees
- How do I choose which HSBC credit card is right for me?
- Can I transfer the full balance from my other credit or store cards?
- Am I entitled to an interest free period?
- What are interest free promotions?
- Can I have a credit card in joint names?
- What are Platinum Privileges?
- Do I have to pay an annual fee?
- Are there any other fees and charges that may apply?
- What is the interest rate I will pay on my HSBC credit card?
Your application
- How do I apply for an HSBC credit card?
- Does HSBC have a minimum income requirement?
- What will I need to complete my application?
- Who can I talk to if I have difficulty completing the application form?
- How long will my application take to process once I have submitted it?
- How can I get an update on the status of my application?
- How can I get more information about HSBC's American Express application process?
- How is my credit limit calculated?
- How do I change my credit limit?
- What happens if my application is declined?
Once your card is approved
- How soon will I get my new credit card?
- Can I use my HSBC credit card as soon as I receive it in the post?
- Am I authorised to activate my credit card as an additional cardholder?
- Will I be issued with a PIN number?
- How can I keep my PIN number safe?
- When will I get my first statement?
- How can I get more information about HSBC's American Express approval process?
Using your card
- How often do I have to make a repayment?
- What is the minimum monthly repayment I will have to make?
- How can I make repayments?
- Can I use my HSBC credit card at an ATM to withdraw cash?
- Can I use my HSBC credit card overseas?
- What do I do if I wish to dispute a transaction on my credit card account?
- How do I change my personal details?
- What do I do if my card has been lost or stolen?
- What do I do if my card has become damaged?
- What do I do if my HSBC credit card is about to expire?
- What are the contact details for the HSBC Credit Cards Customer Service Centre?
- Can I use phone or internet banking to manage my HSBC credit card account?
- How can I cancel an additional cardholder?
- How do I close my HSBC credit card account?
- How will I know when my account has been closed?
- How can I get more information about using my HSBC American Express credit card?
Rewards
- Is a rewards program available with my HSBC credit card?
- What does the Rewards Plus Program offer me?
- How many Rewards Points do I earn for every dollar I spend?
- How can I check my Rewards Points balance?
- Can I exchange my Rewards Points for cash back?
- Is there a limit on the number of Rewards Points I can earn each year?
- How long do my Rewards Points last before they expire?
- What does 'Unlimited Rewards' mean?
- How do I redeem a Reward?
- How long will it take to get my redeemed Reward?
- Does HSBC have a Frequent Flyer program?
Insurances
- Do I get any insurance with my HSBC credit card?
- What is Card Protection Insurance?
- What is the Guaranteed Pricing Scheme?
- What is Extended Warranty Insurance?
- What is Purchase Protection Insurance?
- What is Transit Accident Insurance?
- What is International Travel Insurance?
- What do I do if I want to make an insurance claim?
