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Compare HSBC Credit Cards

The credit card comparison below will help you to decide which credit card best suits your lifestyle

Offers

Compare the HSBC Australia credit cards with latest offers
Details
Platinum Credit Card
Platinum Qantas Credit Card
Low Rate Credit Card
Premier World Mastercard®
Annual Credit Card Fee* $129 (unless waived1) $99
$99
Rewards Plus2 - $0
Qantas Rewards3 - $99
Additional Cardholder Fee*
$0
$0
$0
$0
Minimum Credit Limit
$6,000
$6,000
$1,000
$10,0008
Balance Transfer offer^
0% p.a. on Balance Transfers for 26 months4 with 1% BT fee11 0% p.a. for 12 monthswith No BT Fee
0% p.a. for 20 months4 (a 2% balance transfer fee applies11)
5.99% p.a. for 6 monthswith No BT Fee
Compare the HSBC Australia credit cards with latest offers
Details
Annual Credit Card Fee*
Platinum Credit Card
$129 (unless waived1)
Platinum Qantas Credit Card
$99
Low Rate Credit Card
$99
Premier World Mastercard®
Rewards Plus2 - $0
Qantas Rewards3 - $99
Details
Additional Cardholder Fee*
Platinum Credit Card
$0
Platinum Qantas Credit Card
$0
Low Rate Credit Card
$0
Premier World Mastercard®
$0
Details
Minimum Credit Limit
Platinum Credit Card
$6,000
Platinum Qantas Credit Card
$6,000
Low Rate Credit Card
$1,000
Premier World Mastercard®
$10,0008
Details
Balance Transfer offer^
Platinum Credit Card
0% p.a. on Balance Transfers for 26 months4 with 1% BT fee11
Platinum Qantas Credit Card
0% p.a. for 12 monthswith No BT Fee
Low Rate Credit Card
0% p.a. for 20 months4 (a 2% balance transfer fee applies11)
Premier World Mastercard®
5.99% p.a. for 6 monthswith No BT Fee

Offers available to new, approved HSBC credit cardholders. HSBC may change or end these offers at any time. Please see full terms and conditions below.

*other fees and charges apply

^ from non-HSBC credit cards on application (reverting to the variable cash advance rate)

Rewards

Compare the HSBC Australia credit cards with rewards programs
Details
Platinum Credit Card Platinum Qantas Credit Card Low Rate Credit Card Premier World Mastercard®
Rewards program
Rewards Plus2
Qantas Frequent Flyer Program3
  Choice of Rewards Plus2 or Qantas Rewards3
Points earned per dollar

Earn two points per dollar on overseas purchases and one point per dollar for all other purchases. (Capped at 10,000 per statement period).

Earn 1 Qantas Point3 per $1 spent up to $1,000 per statement period on eligible purchases made in Australia and overseas.

 

Every $1 spent thereafter will earn 0.5 Qantas Points3 up to a total of 7,500
Qantas Points per statement period.

 

HSBC Rewards Plus - Earn 1 HSBC Reward Point2 for every dollar spent on eligible domestic purchases5 and 1.5 HSBC Rewards Points2 on eligible international purchases (point capping applies).

 

 

HSBC Qantas Rewards - Earn 1 Qantas Point3 for every dollar spent on eligible purchases5 (point capping applies).

Compare the HSBC Australia credit cards with rewards programs
Details
Rewards program
Platinum Credit Card Rewards Plus2
Platinum Qantas Credit Card Qantas Frequent Flyer Program3
Low Rate Credit Card  
Premier World Mastercard® Choice of Rewards Plus2 or Qantas Rewards3
Details
Points earned per dollar
Platinum Credit Card

Earn two points per dollar on overseas purchases and one point per dollar for all other purchases. (Capped at 10,000 per statement period).

Platinum Qantas Credit Card

Earn 1 Qantas Point3 per $1 spent up to $1,000 per statement period on eligible purchases made in Australia and overseas.

 

Every $1 spent thereafter will earn 0.5 Qantas Points3 up to a total of 7,500
Qantas Points per statement period.

Low Rate Credit Card  
Premier World Mastercard®

HSBC Rewards Plus - Earn 1 HSBC Reward Point2 for every dollar spent on eligible domestic purchases5 and 1.5 HSBC Rewards Points2 on eligible international purchases (point capping applies).

 

 

HSBC Qantas Rewards - Earn 1 Qantas Point3 for every dollar spent on eligible purchases5 (point capping applies).

Features

Compare the HSBC Australia credit cards with card features
Details
Platinum Credit Card Platinum Qantas Credit Card Low Rate Credit Card Premier World Mastercard®
HSBC Instant Savings
       
Complimentary Insurance

Domestic and International

Travel Insurance

Domestic and International

Travel Insurance

Domestic Travel Insurance

Domestic and International

Travel Insurance

HSBC My Card Controls
       
Mobile Payments12
       
Complimentary Lounge Passes
       
home&Away Privilege Program9
       
Visa Premium benefits
       
World Program
       
Compare the HSBC Australia credit cards with card features
Details
HSBC Instant Savings
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  
Details
Complimentary Insurance
Platinum Credit Card

Domestic and International

Travel Insurance

Platinum Qantas Credit Card

Domestic and International

Travel Insurance

Low Rate Credit Card Domestic Travel Insurance
Premier World Mastercard®

Domestic and International

Travel Insurance

Details
HSBC My Card Controls
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  
Details
Mobile Payments12
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  
Details
Complimentary Lounge Passes
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  
Details
home&Away Privilege Program9
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  
Details
Visa Premium benefits
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  
Details
World Program
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  

Interest rates

Compare the HSBC Australia credit cards with card interest rates
Details
Platinum Credit Card Platinum Qantas Credit Card Low Rate Credit Card Premier World Mastercard®
Variable Interest Rate on Purchases
19.99% p.a.
19.99% p.a.
12.99% p.a.
19.99% p.a.
Variable Interest Rate on Cash Advances
21.99% p.a.
21.99% p.a.
25.99% p.a.
21.99% p.a.
Interest Free period on purchases*
       
Interest Free on in-store purchases^
       
Compare the HSBC Australia credit cards with card interest rates
Details
Variable Interest Rate on Purchases
Platinum Credit Card 19.99% p.a.
Platinum Qantas Credit Card 19.99% p.a.
Low Rate Credit Card 12.99% p.a.
Premier World Mastercard® 19.99% p.a.
Details
Variable Interest Rate on Cash Advances
Platinum Credit Card 21.99% p.a.
Platinum Qantas Credit Card 21.99% p.a.
Low Rate Credit Card 25.99% p.a.
Premier World Mastercard® 21.99% p.a.
Details
Interest Free period on purchases*
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  
Details
Interest Free on in-store purchases^
Platinum Credit Card  
Platinum Qantas Credit Card  
Low Rate Credit Card  
Premier World Mastercard®  

* Up to 55 days interest-free on purchases6 (when you pay the full balance excluding any balance transfer, cash transfer, and promotional purchases, by the due date each month)

^ Ability to make interest free purchases7 of up to 5 years at over 1,000 participating retail outlets across Australia. (Minimum purchases apply. Interest rate reverts to the cash advance rate after the promotional period).

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The Qantas frequent flyer credit card that gives you Qantas points.

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The low rate card that provides real value.

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The Premier World Mastercard is accepted at over 32 million locations worldwide.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders. HSBC may change or end these offers at any time. 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. Eligibility criteria for HSBC Premier apply and are set out in the HSBC Premier Service Guide (PDF, 3.8 MB). 
Eligibility criteria remain at HSBC's absolute discretion. terms, conditions and other restrictions apply. Visit hsbc.com.au or call 1300 301 168. Mastercard is the trademark of Mastercard International Incorporated. PayPass is the trademark of Mastercard International Incorporated.

HSBC Instant Savings terms and conditions apply. Visit hsbc.com.au/credit-cards/terms/ for full details.

Airport Lounge Passes terms and conditions apply. Visit hsbc.com.au/credit-cards/terms/ for full details.

  1. The Platinum Annual Fee will be waived in the first year from the date of approval for customers taking up the 26 months balance transfer offer only. The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Platinum credit card Annual Fee is currently $129 but is subject to change.
  2. Rewards Plus Program terms, conditions and points capping limits apply.
  3. Qantas Points accrue in accordance with and subject to the HSBC Qantas Rewards Terms and Conditions. No points are earned on balance transfers, cash advances,cash transfers, business expenses, 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 in order to earn and redeem points. 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. Earn 1 Qantas Point per $1 spent up to $1,000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Qantas Points up to a total of 7,500 Qantas Points per statement period.
  4. To be eligible for this special balance transfer rate, the balance transfer request must be made by completing the online form in Credit Cards Online or by calling HSBC on 132 152. Your account must be current and not in arrears at the time of processing your request. The balance transfer must be from non-HSBC credit cards. After the promotional period any balance outstanding from the balance transfer will accrue interest at the variable cash advance rate applicable to your product. 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 HSBC Balance Transfer terms and conditions (PDF, 18KB) apply.
  5. 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.
  6. Depending on when you make your purchases, when your statement is issued, and if you pay off the outstanding balance on your next statement of account on or before the due date. There are no interest free days for cash advances. You will not gain the benefit of the interest free period unless you pay the full balance (excluding any balance transfer, cash transfer and promotional purchases) by the due date.
  7. Available at participating retailers only. A list of retailers is available at www.hsbc.com.au/credit-cards/classic/ View details of the HSBC classic credit card. 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 21.99% p.a. for HSBC Premier World Mastercard, 21.99% p.a. for HSBC Platinum Qantas Credit Card, 21.99% p.a. for HSBC Platinum Credit Card and 25.99% p.a. for HSBC Low Rate Credit Card as at 4 December 2019). Monthly repayments are required and calculated at 3% of the outstanding balance or $30, whichever is higher.
  8. HSBC Premier World Mastercard is based on a minimum credit limit of $10,000. 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.
  9. home&Away Privilege Program terms and conditions apply
  10. Insurance policies are issued by AWP Australia Pty Ltd Pty Ltd ABN 52 097 227 177(AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708)) to HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions, limits and exclusions available at www.hsbc.com.au. 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 has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093.
  11. The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee will be applied at the time the balance is transferred and forms part of your total outstanding balance.
  12. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC Corporate Cards.