HSBC Credit Cards

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595.

Offers available to new, approved HSBC credit cardholders. Fees, charges, terms, conditions and HSBC's lending criteria applies to all credit cards issued by HSBC. Visit www.hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. View Terms and Conditions for full details.

This website is designed for use in Australia. The products and services represented within this website are intended for Australian Residents. 

1. To be eligible for Fast Track to Star Alliance Gold Status, you must apply and be approved for a new HSBC Star Alliance Credit Card and spend $4,000 on eligible purchases within the first 90 days from account opening. Star Alliance Gold status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Status will be granted within 30 days after reaching the qualifying spend of $4,000, provided that your account is active and not in arrears. Your status will be granted until the first anniversary of your account opening or earlier, if you qualify for a higher status with your selected Frequent Flyer Program by any means. You may not be able to receive Star Alliance Gold status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Star Alliance Credit Card within the last 18 months are ineligible for this offer.
2. Eligible purchases exclude interest free and other special promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.
3. Star Alliance Points are earned in accordance with and are subject to the HSBC Star Alliance Rewards Terms and Conditions. No points are earned on interest free and other special promotions, cash transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. Membership, and the earning and redemption of points is subject to the terms and conditions of Star Alliance Rewards available here. Earn 1 Star Alliance Point per $1 spent up to $3,000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Star Alliance Points per statement period. The earning of Star Alliance Points is uncapped.
4. Subject to your membership in the Frequent Flyer Program (FFP) of the relevant Star Alliance Member Airline. Transaction limits and other reasonable redemption conditions of Star Alliance Rewards apply, available here. List of FFPs of participating Star Alliance member airlines available here.
5. Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet HSBC Credit Card Terms and Conditions which may be amended from time to time. Consider its appropriateness to these factors before acting on it. You can contact AGA on 1800 648 093. 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. 
6. The annual fee is $499 and subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the first year). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary of the first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not apply to existing HSBC customers transferring from another HSBC credit card.
7. To be eligible for the introductory balance transfer interest rate, you must make the balance transfer request when applying for your new HSBC credit card and the balance transfer 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 12 months from the day the balance transfer has posted. After this period, any balance outstanding will accrue interest at the variable cash advance rate applicable to your product and is 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 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 apply.
8. The balance transfer fee will be calculated at 2% 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.
9. To be eligible for the introductory balance transfer interest rate, you must make the balance transfer request when applying for the new HSBC credit card and the balance transfer must be from non-HSBC credit cards. The total balance transfer amount must not exceed 90% of your approved credit limit. For the HSBC Low Rate credit card, the introductory interest rate on the balance transfer applies for 12 months from the day the balance transfer has posted. After this period, any balance outstanding will accrue interest at the variable cash advance rate (currently 25.99% p.a 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 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 apply.
10. The annual fee is $199 and subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the first year). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary of the first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not apply to existing HSBC customers transferring from another HSBC credit card.
11. For newly issued HSBC Platinum Qantas credit cards, a promotional earn rate applies for the first 12 months from your account opening date. In addition to earning 1 Qantas Point per $1 spent on eligible purchases, you will earn an additional 0.5 Qantas Points per $1 spent on eligible purchases processed within the first 12 months of your account opening date. That is, you will earn 1.5 Qantas Points for every $1 spent on eligible purchases for the first 12 months from your account opening date. After the first 12 months from account opening, you will earn 1 Qantas Point per $1 spent on eligible purchases. Qantas Points will no longer accrue when the total value of your eligible purchases reaches $120,000 in each 12-month period commencing from your account opening date. Qantas Points previously earned are subsequently deducted if there are refunds, reimbursements or chargebacks on your account. This promotional earn rate offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Qantas Points earning credit card within the previous 12 months from the application date are ineligible for this offer. We reserve the right to end this offer at any time. Qantas Points are earned in accordance with and are subject to the HSBC Platinum Qantas Rewards Terms and Conditions. No points are earned on interest-free and other special promotions, balance transfers, business expenses, cash transfers, 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 in to the Qantas Rewards program and who join by visiting 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.
12. The annual fee is $399 and subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the first year). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary of the first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not apply to existing HSBC customers transferring from another HSBC credit card.
13. Terms and conditions apply for Airport Lounge Passes.
14. HSBC Rewards Plus points are earned in accordance with and are subject to HSBC's Credit Card Rewards Plus Program Terms and Conditions. HSBC Rewards Plus points will no longer accrue when the total value of your eligible purchases reaches $120,000 in each 12-month period starting from your account opening date. HSBC Rewards Plus points previously earned are subsequently deducted if there are refunds, reimbursements or chargebacks on your account. No points are earned on interest-free and other special promotions, balance transfers, business expenses, cash transfers, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge.
15. An overseas transaction fee is normally payable when you make a transaction on your account in a currency other than Australian dollars or where you make a transaction on your account in any currency (including Australian dollars) that is processed or billed (by either the merchant, its financial institution or its payment processor) outside of Australia.
16. As a primary HSBC Premier World Mastercard cardholder, you are entitled to two complimentary airport lounge passes each calendar year with Mastercard Travel Pass provided by DragonPass. Complimentary airport lounge passes will renew on 1 January and expire at 23:59 on 31 December each year. Each lounge pass is admission for one person and can either be used by the primary cardholder or a guest. The guest must accompany the primary cardholder and cannot access the airport lounge on their own. Additional guests or visits beyond the two complimentary airport lounge passes per calendar year will be charged 32 USD per person to the HSBC Premier World Mastercard. Overseas transaction fees may apply. Airport lounge visit prices are subject to change. Your access to the programme may be blocked if your primary account is closed, in arrears, reported lost or stolen, closed or has been blocked by us for any reason. For more information on the programme, a full list of terms and conditions is available at mastercardtravelpass.dragonpass.com/terms-and-conditions and Frequently Asked Questions are available at mastercardtravelpass.dragonpass.com/faq. To gain access to participating airport lounges, you must first register your HSBC Premier World Mastercard in the Mastercard Travel Pass app or at mastercardtravelpass.dragonpass.com, generate a membership QR code and present this along with your boarding pass for validation. Access to airport lounges is subject to availability. To redeem other offers including dining benefits, please visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the offer QR code to the staff at the participating restaurant to redeem the offer. Offers may vary by location.
17. The annual fee is $199 for the HSBC Premier World Mastercard with the HSBC Rewards Plus program or $399 for the HSBC Premier World Mastercard with the Qantas Rewards program and are subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the first year). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary of the first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not apply to existing HSBC customers transferring from another HSBC credit card.