FAQ: Your Application

How do I apply for an HSBC credit card?

There are a number of ways to apply for an HSBC credit card.

Simply:

• Apply online
• Visit your nearest HSBC branch
• Email us your enquiry
• Download an application form and fax it to HSBC Card Services on 02 8987 5923
• Call us on 132 152 (or +61 132 152 from overseas) to order an application pack.

Check out HSBC's Credit Cards Comparison to choose the best card for you then follow the instructions on how to apply. HSBC's credit criteria apply.

Does HSBC have a minimum income requirement?

HSBC has different minimum income requirements for each credit card product:

You must be able to provide evidence of your income in support of your credit card application. HSBC's credit criteria apply.

For information on HSBC's American Express Credit Cards, including minimum income requirements, please call 1300 308 880. HSBC's American Express Credit Cards are issued by American Express Australia Limited ABN 92 108 952 085.

What will I need to complete my application?

You will need to complete or provide the following for your application to progress:

• Application Form: Either enter your details online, or download the form and post it or drop it in to an HSBC Branch
• Signature Form: For applications submitted online, you are required to complete and sign this form
• Proof of income: Either a recent payslip or other acceptable evidence of your income (i.e letter from your employer)
• Identification: If you are not an existing HSBC customer, you will need to complete a Bank@Post 100 point identification form and provide acceptable proof of your identity (including photo ID) and address. You can present this form along with original documents to your local Australia Post office displaying the Bank@Post sign.

If you would like more information on HSBC's credit card application process, please call 132 152 (or +61 132 152 from overseas). HSBC's credit criteria apply.

 Back to top

Who can I talk to if I have difficulty completing the application form?

If you would like to discuss any aspect of HSBC's credit card application process, please call 132 152 (or +61 132 152 from overseas), or visit your nearest HSBC branch.

 Back to top

How long will my application take to process once I have submitted it?

You should allow up to 10 working days for your application to be processed.

 Back to top

How can I get an update on the status of my application?

Call HSBC on 132 152 (or +61 132 152 from overseas) and follow the prompts. For HSBC's American Express Credit Card applications, please call American Express on 1300 132 639.

 Back to top

How can I get more information about HSBC's American Express application process?

For more information about HSBC's American Express Credit Card application process, please call 1300 308 880. HSBC's American Express Credit Cards are issued by American Express Australia Limited ABN 92 108 952 085.

 Back to top

How is my credit limit calculated?

Your application will be assessed for the maximum credit limit available based on your individual circumstances. Minimum credit limits for each product are:

Please call HSBC on 132 152 (or +61 132 152 from overseas) if you wish to discuss your credit limit.

For information on HSBC's American Express Credit Cards, including minimum credit limits, please call 1300 308 880.
HSBC's American Express Credit Cards are issued by American Express Australia Limited ABN 92 108 952 085.

 Back to top

How do I change my credit limit?

If you would like to apply to have your credit limit increased, the primary cardholder will need to complete and return our Credit Limit Increase Request Form. You can apply for a credit limit increase provided your HSBC credit card account has been open for 6 months, your account has been kept in good order, and you have not applied for an increase in the previous 6 months. HSBC's credit criteria apply.

If you would like to reduce your existing credit limit, please call HSBC on 132 152 (or +61 132 152 from overseas), or fax your written request to HSBC Card Services on 02 8987 5923.

 Back to top

What happens if my application is declined?

If your application for an HSBC credit card is declined, you will receive a letter notifying you of this. We cannot divulge specific reasons for your declined application if you have failed to meet our credit criteria. However, if our decision has been affected by an adverse Credit Bureau, we will advise you of this and provide details of how to find out more information.

If you wish to discuss your declined application, please call HSBC on 132 152 (or +61 132 152 from overseas). For HSBC's American Express Credit Card applications, please call American Express on 1300 308 880.

 Back to top