Top of main content

Credit Cards

Here to help you manage your money better.

HSBC Platinum Credit Card

This is the card for when only the best will do. It gives you a host of benefits including a wide range of Platinum Rewards, Visa Premium Rewards and your own Concierge service.
  • 0% p.a. Balance Transfers for 22 months
  • 2 Reward Programs
  • Annual Fee refund2

Rates & Fees:

  • 0% p.a. Balance Transfer for 22 months1
  • Annual Fee refund2

Ways to open:

Online, Branch, Phone

HSBC Platinum Qantas Credit Card

The choice for frequent flyers. This card earns you Qantas Points to redeem against flights, hotel bookings and over 3,000 products in the Qantas Store.
  • 60,000 bonus Qantas Points3 when you spend $3,000 on eligible purchases within 3 months
  • 0% p.a. Balance Transfers for 12 months
  • Earn 1 Qantas Point for every $1 spent, up to $2,500 per statement period

Rates & Fees:

  • 0% p.a. for 12 months1
  • $199 annual card fee

Ways to open:

Online, Branch, Phone

HSBC Low Rate Credit Card

A low rate and a range of worthwhile extras make this a great option for anyone who appreciates real value.
  • 0% p.a. Balance Transfers for 20 months
  • Instant savings at over 4,500 stores, hotels and attractions

Rates & Fees:

  • 0% p.a. for 20 months1
  • $79 annual card fee

Ways to open:

Online, Branch, Phone

HSBC Premier Credit Card

The card that’s perfect for travellers, with Rewards to indulge in when you’re at home and overseas.
  • A minimum $15,000 credit limit4 and 2 Reward Programs
  • Complimentary insurance benefits
  • Instant savings at over 4,500 stores, hotels and attractions

Rates & Fees:

  • $0 annual fee (HSBC Rewards Plus)
  • $15,000 minimum credit limit4

Ways to open:

Online, Branch, Phone

HSBC Classic Credit Card

Take advantage of interest-free credit on major purchases of $500 or more at over 1,000 top retailers.
  • 0% p.a. interest-free shopping
  • 4.99% p.a. Balance Transfer for 15 months5.
  • Instant savings at over 4,500 stores, hotels and attractions

Rates & Fees:

  • $79 annual fee
  • 0% p.a. interest-free

Ways to open:

Online, Branch, Phone

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders who apply by 30-Sep-18 for the HSBC Low Rate Credit Card, 31-Jul-18 for the HSBC Platinum Credit Card and 30-Sep-18 for the HSBC Platinum Qantas Credit Card. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC. Visit hsbc.com.au or call 132 152. 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 may be ineligible for these promotional offers.

HSBC Instant Savings terms and conditions apply. Visit terms and conditions for full details.”

1 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. Your total balance transfers must not exceed 90% of your approved credit limit. The interest rate on the balance transfer applies for 20 months for the HSBC Low Rate Credit Card, 22 months for the HSBC Platinum Credit Card and 12 months for the HSBC Platinum Qantas Credit Card. The balance transfer 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 21.99% p.a. as at 16-Mar-18 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.

2 $0 first year annual fee only available to approved applicants who have applied between 3 May 2018 and 31 July 2018. $129 Annual Fee will then be charged annually on the anniversary of the account opening date for each subsequent year, this will be refunded for customers who spend $6,000 on eligible purchases within the following 12 months. Refunds will be posted automatically within 30 days of eligible spend criteria being met, if your account is current and in good state. Eligible purchases exclude interest free and other promotions, balance transfers, business expenses, cash advances, fees and charges and disputed transactions.

3 Bonus 60,000 Qantas Points offer is available to new HSBC Platinum Qantas Credit Card holders who spend $3,000 on eligible purchases within 3 months of account opening. Your account must be current, in good order and not in arrears. Points will ordinarily be credited to your HSBC account within 8 weeks of making the required spend on eligible purchases. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Platinum Qantas Credit Card within the last 18 months or HSBC Premier World MasterCard® or HSBC Staff are ineligible for this offer. Eligible purchases exclude interest free and other promotions, balance transfers, business expenses, cash advances, fees and charges, 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 in order to earn and redeem points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms. A joining fee usually applies, however HSBC has arranged for this to be waived for HSBC credit card customers opting in to HSBC Qantas Rewards who are not already Qantas Frequent Flyer members - join by visiting qantas.com/hsbcjoin.

4 HSBC Premier World Mastercard is based on a minimum credit limit of $15,000. For access to credit limits above this amount, you will need to complete a separate application form. The provision of a credit card is subject to local statutory and regulatory requirements. Fees, charges, terms and conditions apply. All applications are subject to HSBC's lending criteria.

5To be eligible for this special balance transfer rate, the balance transfer request must be made by completing the online form or calling HSBC. Your account must be current and in good state at the time of processing your request. The interest rate on the balance transfer applied for 15 months at 4.99% p.a. and must be from non-HSBC credit cards. After this period any balance outstanding from the balance transfer will accrue interest at the variable cash advance rate (currently 25.99% p.a. as at 15-Jan-18). 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. Full balance transfer terms and conditions apply.