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 by 31 March 2020 for the HSBC Low Rate Credit Card, 31 March 2020 for the HSBC Platinum Credit Card and 31 March 2020 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. 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. $129 Annual Fee will be charged on the account within 2 months after the first debit transaction and every 12 months thereafter. The annual fee will be refunded for customers who spend $6,000 on eligible purchases within 12 months from the date the Annual Fee is charged. 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, cash transfers, business expenses, cash advances, fees and charges, any disputed transactions and government fees and charges.
   
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.
4. 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. for Platinum and Platinum Qantas, 25.99% p.a. for Low Rate as at 4 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 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.
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. $79 annual fee will be waived in the first year, and will be charged annually from the anniversary of the account opening date in each subsequent year.
   
7. 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.
   
8. Available at participating retailers only. A list of retailers is available at www.hsbc.com.au/credit-cards/classic/. 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.
9. 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.
10. home&Away Privilege Program terms and conditions apply
11. 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.
12. 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.
13. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC Corporate Cards.