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 who apply for the HSBC Low Rate Credit Card, the HSBC Platinum Credit Card or the HSBC Platinum Qantas Credit Card. Fees, charges, terms, conditions and HSBC’s lending criteria applies 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 Instant Savings terms and conditions apply. View terms and conditions for full details. Eligibility criteria for HSBC Premier applies and is set out in the Premier Service Guide. Eligibility criteria remain at HSBC's absolute discretion. Terms, conditions and other restrictions apply. Visit hsbc.com.au or call 1300 301 168 for more information. Mastercard is the trademark of Mastercard International Incorporated. PayPass is the trademark of Mastercard International Incorporated. HSBC Instant Savings terms and conditions apply, visit www.hsbc.com.au/credit-cards/terms. 

Airport Lounge Passes terms and conditions apply.

1. A $129 Annual Fee will be charged within two months after the first debit transaction, and annually thereafter. 
2. Rewards Plus Program terms and points capping limits apply.
3. Qantas Points are earned in accordance with and are subject to HSBC Qantas 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. 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 into HSBC Qantas Rewards and who join by visiting Qantas Frequent Flyer 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  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 the introductory Balance Transfer rate, the Balance Transfer request must be made when applying for the new HSBC credit card and 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 20 months from the day your Balance Transfer has posted for the HSBC Low Rate Credit Card, 26 months for the HSBC Platinum Credit Card (Balance Transfer offer), and 12 months for the HSBC Platinum Qantas Credit Card. After the introductory balance transfer period, any balance outstanding will accrue interest at the current cash advance rate (currently 21.99% p.a. for Platinum and Platinum Qantas and 25.99% p.a. for Low Rate, as at 11 December 2019 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 account to pay off other transactions, such as purchases and cash advances, before any balance transfer amount.
   
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. Up to 55 days interest free on purchases will depend 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 only receive the benefit of an interest free period on purchases if you pay your full closing balance (excluding any balance transfer, cash transfer and promotional purchases) by the due date.
   
7. Available at participating retailers only, listed here. Minimum purchase amount 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 balance and will accrue interest at the current 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 and subject to change). Monthly repayments are required and are 3% of the outstanding balance or $20, whichever is higher, for the HSBC Premier World Mastercard, HSBC Platinum Qantas Credit Card and HSBC Platinum Credit Card, and 3% of the outstanding balance or $30 for the HSBC Low Rate Credit Card.
   
8. The HSBC Premier World Mastercard offers a minimum credit limit of $10,000. For credit limits above this minimum 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. The Home & Away Privilege Program terms and conditions apply
   
10. Insurance policies are issued by AWP Australia 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) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions for HSBC insurance policies, limits and exclusions apply and are 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 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. If applicable, 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.
    
12. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC Corporate Cards.
13. Qantas Points are earned in accordance with and are subject to HSBC Qantas 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. 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 into HSBC Qantas Rewards and who join by visiting Qantas Frequent Flyer 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 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.