Compare HSBC Credit Cards

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.