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HSBC Credit Card

The HSBC Credit Card redefines value with $0 annual fee1 for life and 0%p.a. balance transfers for 6 months2.

Overview

HSBC Credit Card

With $0 annual fee for the life of the card1 and 0% balance transfer for 6 months2 (from non-HSBC credit cards, reverting to the variable cash advance rate) the HSBC Credit Card redefines value - so you'll have more money to spend on the things you love.

You will also have access to exclusive shopping offers at over 1,500 carefully selected Australian retailers. Plus, you will enjoy special privileges at over 19,000 retailers in more than 160 countries and territories with the home&Away Privilege Program5.

Offer available for new, approved HSBC credit card holders who apply by 30 June 2014.

Features

  • 0%p.a. balance transfer for 6 months2 from non-HSBC credit cards on application (reverting to the cash advance rate of and subject to change)
  • $0 Annual Fee for the life of the Credit Card1
  • 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 Program.
  • $0 Additional cardholder fee, other fees and charges apply
  • 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 30 June 2014.

Rates & Fees

Credit Card Fees and Charges
Annual Credit Card Fee
$0 Annual Fee for the life of the Card1 for new customers
Introductory Balance Transfer Rate
from non-HSBC credit cards on application
0% p.a. for 6 months2
reverting to the variable cash advance rate
Interest Free Period on purchases
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
Up to 55 days3
Minimum Income Requirement
$20,000 p.a.
Minimum Credit Limit Offered
$1,000
Interest Rate for Purchases
Interest Rate for Cash Advances
Rewards Program
No
home&Away Privilege Program5
Yes
Multiple additional cards for family or friends over 16 years
Yes (no fee)
Additional Insurances
No
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Fees, charges, terms and conditions apply. Visit hsbc.com.au or call 132 152. HSBC's lending criteria apply. HSBC card account holders who have previously cancelled their card may be ineligible for this promotional offer.
1 The $0 annual fee applies to the standard HSBC Credit Card for new customers 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.
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 www.hsbc.com.au/instore-finance. 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 ). Monthly repayments are required and calculated at 3% of the outstanding balance or $30, whichever is higher.
5 home&Away Privilege Program terms and conditions apply.

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