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HSBC's Employee Banking Solutions

Enjoy a comprehensive suite of tailored banking solutions

Welcome to HSBC's Employee Banking Solutions

Thanks to the relationship established between HSBC and your employer, HSBC is delighted to offer you special personal offers and packages you may not normally have access to.

This includes access to preferential rates and offerings, financial education and wellbeing, global connectivity and experienced specialists who can give professional guidance and support on your life's financial decisions, however big or small.

Find out more about the benefits available to you below. Don't forget to mention you're a part of HSBC's Employee Banking Solutions when applying to enjoy all the benefits.

Be part of something bigger with Employee Banking Solutions

HSBC logo.

Employee banking benefits

HSBC Everyday Global Account

Enjoy outstanding value with the award winning all-in-one HSBC Everyday Global Account, that's ideal for:

  • Everyday Banking – pay bills and deposit your salary with no monthly account fee, plus earn 2% cashback16 on eligible purchases under $100 when you deposit AUD 2,000 or more each calendar month as part of Everyday Extras15. T&Cs apply
  • Travel – pay in the local currency14 with no transaction or ATM fees13 charged by HSBC Australia anywhere in the world.
  • Foreign currency – buy, hold and spend in up to 10 currencies (including AUD)
HSBC Everyday Global Visa Debit Card

Key Facts Sheet (PDF 475KB)

Offers are available to new and approved customers.

Other fees and charges may apply. See our Personal Banking Booklet.

If you would like to apply for a joint account, please visit your nearest HSBC Australia branch or call us on 1300 134 825 Monday to Friday, from 8am to 6pm (AEST).

Discover Premier Banking

HSBC Premier customers enjoy exclusive local privileges and a range of international benefits. Here are 3 ways it can work for you: 

  1. Everyday Banking – the award winning everyday bank account that offers all customers 2% cashback16 on eligible tap and pay purchases under $100 as part of Everyday Extras. You can also choose between two award winning credit cards with rewards to best suit you.
  2. Home and Family – 50% off the annual Home Loan Package fee to access a discounted interest rate and fee waivers. You'll enjoy the support of a specialist team of Premier bankers plus you can share your Premier perks with your family.
  3. Around the world – Instant, fee-free fund transfers between your global accounts at competitive exchange rates#. Enjoy Premier status around the world and if you're moving to another country, we'll help you open an account before you arrive.

Important information: To qualify for HSBC Premier18, you will need to have:

  • A savings or investment balance of $150,000+ (excluding funds held in an offset or home loan account)
  • Regular money in totalling $9,000+ in deposits per month (excluding funds deposited in foreign currency or funds transferred from another HSBC Australia account).
  • Plus hold an HSBC Everyday Global Account.

Discover more

 
find out more about foreign currency account

Discover thousands of ways to save on dining, travel and more when you get the HSBC Instant Savings app. Available when you successfully apply for an eligible HSBC credit card.

 
find out more about online share trading This link will open in a new window

Take advantage of the opportunity to review and plan your finances with our experienced HSBC Relationship Manager.

 
find out more about international banking

Make more of your global adventures through a range of International Banking Services.

Other Benefits

 
find out more about HSBC Property Expert

HSBC has partnered with global Real Estate Services firm Jones Lang LaSalle (JLL) to provide our customers with a unique opportunity to ask property related questions from an independent professional.

 
find out more about the economist subscription This link will open in a new window

To further enhance your HSBC Rewards we are offering access to leading news, views and opinions by The Economist with a very special offer just for you.

 

Open up a world of trading options, from shares on the ASX to Exchange-traded funds (ETFs) to mFunds. Access complimentary research and recommendations, and trade with real speed to market.

Contact Us

Send an enquiry today

Employee Banking Solutions benefits are available as long as you remain an employee of your organisation. To receive these special offers, send us an email today.

Apply by phone

Call us today
Call 1300 134 825 (8.00am-6.00pm EST, Mon to Fri) 
 

Important Information

Issued and credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595. Employee Banking Solutions benefits are only available through HSBC Branches and HSBC Direct Banking Centre. Terms, conditions, fees, charges apply to products and services offered within this document. HSBC credit criteria applies to credit products and services. This document provides general advice only and is not personal financial product advice. It does not take into account your individual objectives, financial situation or needs. You should read and consider the relevant Product Disclosure Statement/s before making a decision about any of the financial products offered. Visit hsbc.com.au/corporatepartners or call 1300 134 825 for details and for a copy of HSBC's Terms, conditions and/or Product Disclosure Statements.

HSBC Home Loans

Important information: 

* Available on new borrowings from $50,000. Excludes Loan to Value Ratio (LVR) above 60%. Variable interest rate is current as at 23 September 2024 and is subject to change. Maximum loan amount is $15,000,000. Home Loan TermsPersonal Banking BookletFees and Charges and lending criteria apply. 


HSBC Credit Cards

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit License 232595. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC. Visit hsbc.com.au or call 1300 308 008. Interest rates are valid at the time of publication and are subject to change. HSBC credit card account holders who have previously cancelled their card in the last 12 months may be ineligible for these promotional cashback offers. Offers available to new, approved HSBC credit cardholders. HSBC may change or end these offers at any time. Excludes HSBC Corporate Cards.

HSBC Platinum Credit Card

1The annual fee is $149 and subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the first year). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary of the first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not apply to existing HSBC customers transferring from another HSBC credit card.

2 To be eligible for this offer, you must apply for the HSBC Platinum credit card via the 'Apply Now' link found on HSBC's Employee Banking Solutions webpage at hsbc.com.au/corporate-partners/. HSBC may change or end this offer at any time. This offer does not apply to the HSBC Platinum Qantas credit card. $100 cashback will be credited to your HSBC Platinum credit card within 6 weeks of account opening..

3 To be eligible for the introductory balance transfer interest rate, you must make the balance transfer request when applying for the HSBC Platinum credit card and the balance transfer must be from non-HSBC credit cards. The total balance transfer amount must not exceed 90% of your approved credit limit. The introductory interest rate on the balance transfer applies for 12 months from the day the balance transfer was posted. After this period, any balance outstanding will accrue interest at the variable cash advance rate (currently 21.99% p.a. 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 then to portions of your balance that attract lower interest rates. This may mean applying all payments made to your HSBC Platinum credit card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. Full HSBC Balance Transfer terms and conditions apply,

The balance transfer fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee is applied at the time the balance is transferred and forms part of the total outstanding balance.

5 HSBC will reimburse the value of the first 5 mobile payment transactions made on your account, up to a cumulative total of $150. The maximum reward for a customer is $150. The reimbursement will occur within 6 weeks from when customers have completed their eligible mobile payment transactions. To be eligible for a reimbursement, the first 5 mobile payment transactions must take place within 30 days of the card approval. Mobile payment transactions are those processed through Apple Pay or Google Pay. HSBC may change or end this offer at any time. Mobile payments made using Apple Pay and Google Pay™ can be used wherever you can make contactless in-store purchases. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC corporate cards..

6 HSBC Rewards Plus points are earned in accordance with and are subject to HSBC's Credit Card Rewards Plus Program Terms and Conditions. HSBC Rewards Plus points will no longer accrue when the total value of your eligible purchases reaches $120,000 in each 12-month period starting from your account opening date. HSBC Rewards Plus points previously earned are subsequently deducted if there are refunds, reimbursements or chargebacks on your account. No points are earned on interest-free and other special promotions, balance transfers, business expenses, cash transfers, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. 

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at HSBC Credit Card Terms and Conditions which may be amended from time to time. Consider its appropriateness to these factors before acting on it. You can contact AGA on 1800 648 093. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover.

HSBC Star Alliance Credit Card

To be eligible for Fast Track to Star Alliance Gold Status, you must apply and be approved for a new HSBC Star Alliance Credit Card and spend $4,000 on eligible purchases within the first 90 days from account opening. Star Alliance Gold status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Status will be granted within 30 days after reaching the qualifying spend of $4,000, provided that your account is active and not in arrears. Your status will be granted until the first anniversary of your account opening or earlier, if you qualify for a higher status with your selected Frequent Flyer Program by any means. You may not be able to receive Star Alliance Gold status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Star Alliance Credit Card within the last 18 months are ineligible for this offer.

Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.

The annual fee is $450 and subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the firstyear). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary ofthe first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not applyto existing HSBC customers transferring from another HSBC credit card.

Star Alliance Points are earned in accordance with and are subject to the HSBC Star Alliance Rewards Terms and Conditions. No points are earned on interest free and other promotions, Balance Transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. Membership, and the earning and redemption of points is subject to the terms and conditions of Star Alliance Rewards available here. Earn 1 Star Alliance Point per $1 spent up to $3,000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Star Alliance Points per statement period. The earning of Star Alliance Points is uncapped.

Subject to your membership in the Frequent Flyer Program (FFP) of the relevant Star Alliance Member Airline. Transaction limits and other reasonable redemption conditions of Star Alliance Rewards apply, available here. List of FFPs of participating Star Alliance member airlines available here.

The benefits of Star Alliance Silver and Star Alliance Gold status are subject to change.

Lounge access extends to Star Alliance Member Airlines, Star Alliance-branded lounges and certain contract and program lounges when travelling on flights operated by Star Alliance Member Airlines. The right to lounge access for Star Alliance Gold customers is subject to the terms and conditions of Star Alliance Lounge Access Policy available here.

Where available

Refers to priority lanes for airport security and immigration, where available – list of locations available here. Subject to local laws and regulations.

10 Available on itineraries involving a connection between two or more Star Alliance member airlines. Not all member airlines offer this benefit on own flights not involving such connections. Check with your relevant member airline at time of booking.

11 Except when travelling on an award ticket. At all times, subject to applicable legal regulations and the policy of the member airline concerned.

12 At all times, subject to applicable legal regulations and the policy of the member airline concerned.

 

HSBC Platinum Qantas Credit Card

1 For newly issued HSBC Platinum Qantas credit cards, a promotional earn rate applies for the first 12 months from your account opening date. In addition to earning 1 Qantas Point per $1 spent on eligible purchases, you will earn an additional 0.5 Qantas Points per $1 spent on eligible purchases processed within the first 12 months your account opening date. That is, you will earn 1.5 Qantas Points for every $1 spent on eligible purchases for the first 12 months from your account opening date. After the first 12 months from account opening, you will earn 1 Qantas Point per $1 spent on eligible purchases. Qantas Points will no longer accrue when the total value of your eligible purchases reaches $120,000 in each 12-month period starting from your account opening date. Qantas Points previously earned are subsequently deducted if there are refunds, reimbursements or chargebacks on your account. This promotional earn rate offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Qantas Points earning credit card within the previous 12 months from the application date are ineligible for this offer. We reserve the right to end this offer at any time. Qantas Points are earned in accordance with and are subject to the HSBC Platinum Qantas Rewards Terms and Conditions. No points are earned on interest-free and other special promotions, balance transfers, business expenses, cash transfers, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. You must be a member of the Qantas Frequent Flyer program and provide your valid membership number to HSBC to earn and redeem points. A joining fee usually applies, however HSBC has arranged for this to be waived for HSBC credit card customers opting in to the Qantas Rewards program and who join by visiting qantas.com/hsbcjoin. Membership, and the earning and redemption of points is subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

2 The annual fee is $299 and subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the first year). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary of the first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not apply to existing HSBC customers transferring from another HSBC credit card.

3 To be eligible for the introductory balance transfer interest rate, you must make the balance transfer request when applying for the HSBC Platinum Qantas credit card and the balance transfer must be from non-HSBC credit cards. The total balance transfer amount must not exceed 90% of your approved credit limit. The introductory interest rate on the balance transfer applies for 12 months from the day the balance transfer was posted. After this period, any balance outstanding will accrue interest at the variable cash advance rate (currently 21.99% p.a. 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 then to portions of your balance that attract lower interest rates. This may mean applying 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. Full HSBC Balance Transfer terms and conditions apply. 

4 The balance transfer fee will be calculated at 2% of the balance being transferred to your HSBC credit card account. This fee is applied at the time the balance is transferred and forms part of the total outstanding balance.

5 Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at HSBC Credit Card Terms and Conditions which may be amended from time to time. Consider its appropriateness to these factors before acting on it. You can contact AGA on 1800 648 093. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover.

6 Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC corporate cards.

Request for a repayment deferral

Tell us about your change in circumstances by calling in on 1300 361 867 or +61 2 8661 1900, weekdays, 8.00am to 5.00pm AEST

HSBC Everyday Global Account

13 Non-HSBC branded ATMs and HSBC Group ATMs in Argentina, France, Greece, Malta, Mexico and Turkey may charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.

14 Where a currency is not one of the listed currencies available with the Everyday Global Account or is in a restricted currency (such as Chinese Renminbi (CNY), the money will be deducted from the AUD account. Any ATM withdrawals will be automatically converted into the local currency at the Visa exchange rate.

15 HSBC Everyday Extras is a feature of the HSBC Everyday Global Account. You will be eligible for Everyday Extras if you deposit at least AUD2,000 into your HSBC Everyday Global Account before the last working business day of each calendar month. For more information refer to the Transaction and Savings Accounts Terms.

16 You will earn 2% cashback on eligible purchases under $100 when you tap and pay with Visa payWave, Apple Pay or Google Pay™. This will be paid into your Everyday Global Account with the maximum cashback you can earn being $50 per calendar month. Eligible purchases must be made in Australian Dollars and where the merchant or its financial institution/ payment processor is registered in Australia. Purchases which are excluded for cashback include business, gambling and government transactions (including public transport). For the full exclusion list, refer to the Transaction and Savings Account Terms.

Terms and conditions apply to the use of Apple Pay and Google Pay™. Excludes HSBC Corporate Cards.

The $150 bonus was paid to new HSBC customers who opened an HSBC Everyday Global Account from 12:00am AEDT 1 August 2019 to 11:59pm AEDT 30 April 2022 and deposited AUD 2,000 or more per month for three consecutive calendar months within six months of opening the account. Employee Banking Solutions benefits are available as long as you remain an employee of your organisation. Refer to the Employee Banking Solutions Cash Bonus Terms and Conditions (PDF,228 KB).

The HSBC Everyday Global Account was awarded the Canstar 5-Star Rating for Outstanding Value – Travel Debit Card in September 2018/2019/2020 and Outstanding Value – Transaction Account April/Oct 2020, the Finder Award for 'Best Transaction Account' September 2020 and the Canstar Bank of the Year - Everyday Banking 2020 award.

This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Transaction and Savings Accounts Terms and Financial Services Guide before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au.

HSBC Personal Loans

Credit Provided by HSBC Bank Australia Limited. ABN 48 006 434 162 AFSL/Australian Credit Licence 232595.

17 Rates are applicable to new applications and are subject to change. HSBC may change or end this offer at any time. Terms, conditions, fees, and charges apply. $150 establishment fee will apply when the loan is approved. All applications are subject to HSBC's lending criteria. Applicants must be 18 years or older; have a good credit rating; be an Australian citizen, permanent resident, or hold an eligible visa; be an existing HSBC Australia customer for at least 12 months; or have an existing Mortgage with HSBC; or hold HSBC Premier status at the time of application. Employee Banking Solutions benefits are available as long as you remain an employee of your organisation.

 

HSBC Premier 

18 HSBC Premier Australia eligibility criteria and Terms and Conditions apply. Please refer to the Premier Service Guide for the latest HSBC Premier benefits, features and general eligibility criteria.

 HSBC Real Time Exchange Rates will apply for AUD, USD, EUR, GBP, CNY, HKD, CAD, NZD, JPY, CHF, SGD, AED, DKK, MXN, NOK, SAR, SEK, THB and ZAR when using HSBC Online or Mobile Banking for transfer between HSBC Australia accounts and international transfers within currency cut-off times.

HSBC Real Time Exchange Rates will apply when the foreign exchange (FX) market is open. When the FX market is closed on weekends (that is from the US market closing time on Friday to the Asia market opening time on Monday), the HSBC real time exchange rate is priced off the exchange rate applying at the time the US market closed plus an additional weekend margin.

The HSBC Real Time Exchange Rate will not apply on currency holidays, on NSW and US public holidays, to transfers in currencies not listed above and to transfers outside of HSBC Australia entered after currency cut-off times. Instead, the HSBC Daily Exchange Rate, which is set and refreshed every 30 minutes daily from 7:00 AM to 7:00 PM (excluding weekends and NSW public holidays) will apply.

For future dated transactions via HSBC Online or Mobile Banking, the HSBC Daily Exchange Rate on the future date of the transaction will apply.

HSBC Real Time Exchange Rates will apply for Global Transfers between your HSBC Accounts. For transfers in unsupported currencies using Global Transfers, the receiving country’s daily exchange rate will apply and currency cut-off times of the receiving country may also apply. For future dated transactions using Global Transfers, the HSBC Real Time Exchange Rate on the future date of the transaction will apply when the FX market is open.

Transfer and correspondent banking fees may apply for transfers outside of HSBC Australia. 

FX transactions are subject to foreign exchange risk associated with exchange rate movements. HSBC accounts should not be used for speculative FX purposes.

HSBC Personal Banking 

Facility and provider fees and charges may apply. ATM transactions fees may apply for use of non-HSBC ATMs.

19 Real time foreign exchange (FX) transactions are available 24/7 between linked HSBC Australia accounts for selected currencies using Online and Mobile Banking. Make the most of real time FX rates when the FX market is open (excluding currency holidays, NSW and US public holidays). When the market is closed set FX rates will apply to real time FX transactions, and the exchange rate will not fluctuate. If making a payment to a third party outside of HSBC Australia during currency holidays, NSW and US public holidays, the HSBC Daily Exchange Rate will apply. The HSBC Daily Exchange Rate will apply for all future-dated transactions on the future date of those transaction. The foreign exchange market is subject to risks associated with exchange rate movements. HSBC foreign currency accounts should not be used for speculative purposes. Real time FX transactions are not available to Trusts, SMSFs and non-trading accounts between 12.00am Saturday and 8.00am Monday.

This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au. Issued by HSBC Bank Australia Limited ABN 48 006 434 162. AFSL 232595.