Why choose a HSBC classic card?

Enjoy interest-free1 credit and deferred payment options on purchases at over 1,000 participating retailers around Australia.
  • 0% p.a. interest-free shopping
    From 3 to 60 months on purchases over $500 at major retailers like Stratco and Bing Lee. Minimum monthly repayments apply.
  • 4.99% p.a. Balance Transfer for 15 months4
    Cut your repayments down to size by moving the balance from any non-HSBC credit or store cards onto your Classic Card.
  • HSBC Instant Savings2
    Save instantly at over 4,500 participating partners with a complimentary membership to Frequent ValuesTM by Entertainment Publications.
  • Up to 55 interest-free days3
  • Additional cardholder
    Let someone else enjoy the benefits, fee-free. (Other charges may apply.)

Rates & Fees:

  • $79 annual fee
  • 4.99% p.a. balance transfer for 15 months4

Ways to open:

Online, Branch, Phone

Features & Benefits

Ways to save

  • 0% p.a. interest freefrom 3 to 60 months
    0% p.a. interest free1 from 3 to 60 months on purchases over $500 at more than 1000 retailers including Stratco, and Bing Lee. See in-store for details.
  • Interest-free days3
    Up to 55 days interest-free on all other purchases3 when you pay the full balance (excluding any balance transfer, cash transfer, and promotional purchases) by the due date each month.
  • Balance Transfer offer
    A promotional rate of 4.99% p.a. Balance Transfer for 15 months4 from non HSBC credit cards (reverts to variable cash advance rate). Offer valid when you apply through Credit Cards Online and use the promotional code 01R3M7.
  • HSBC Instant Savings2
    Save instantly at over 4,500 participating partners with a complimentary membership to Frequent ValuesTM by Entertainment Publications.

Time saving features

  • Complimentary Insurances5
    Access to insurance on your purchases when you purchase goods with your card, such as Guaranteed Pricing Insurance, 90 Day Purchase Protection Insurance and Up to 12 Months Extended Warranty Insurance.
  • My Card Controls
    Control is now in your hands. Customise restrictions on your transactions by amount, type or country.
  • Additional cardholder
    $0 additional cardholder fee (Other fees and charges apply).
  • Easy ways to pay
    Your HSBC credit card offers many easy ways to pay. In store using contactless payment6, at online shops with Visa Checkout, or using your Apple device at participating retailers, your HSBC card will offer you an easy, secure and private way to pay for these small or larger purchases.

Who can apply? 

  • Over the age of 18
  • Have a good credit rating
  • Minimum income of $20,000 a year

Credit Card Fees and Charges

Credit Card Fees and Charges
Fee Type
Fee Amount & Details

Annual Credit Card Fee


Balance Transfer Rate
from non-HSBC credit cards

4.99% p.a. balance transfer for
15 months4 from non-HSBC credit cards (reverting to the variable cash advance rate)

Interest Free Period on purchases

Up to 55 days3

Minimum Income Requirement

$20,000 p.a.

Minimum Credit Limit Offered


Interest Rate for Purchases


Interest Rate for Cash Advances


Rewards Program


HSBC Instant Savings2


Multiple additional cards for family or friends over 16 years

Yes (no fee)

Additional Insurances


Major participating retailers

Apply for a HSBC Classic Credit Card

What will I need to complete my application?

  • ID i.e. Driver’s Licence or Passport
  • Address details (Driver’s Licence, rates notice or utility bill)
  • Proof of income (i.e. recent payslip or letter from your employer) with details of your monthly income after tax
  • Most recent credit card or loan statements from any account you wish to transfer to this new card

Apply Today

New customers

Apply in store at any of our participating retailers. We'll give you an instant decision so you can be approved on the spot. The application process should only take around 10-15 minutes.

Existing HSBC customers

If you already have an HSBC credit card, you can take advantage of interest free1 promotions without having to re-apply. Ask for details in store at any participating retailer to process the transaction as an add-on.

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Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Fees, charges, terms, conditions and HSBC lending criteria apply. Visit hsbc.com.au or call 132 152. Interest rates are valid at the time of publication and are subject to change.

^Selected stores only. Please contact your local store for details.

Terms and conditions (PDF, 101 KB) apply to the use of Apple Pay.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc.

1 Available at participating retailers only. 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 25.99% p.a. as at 15-Jan-18). Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher.

2 HSBC Instant Savings terms and conditions apply

3 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.

4 To be eligible for this special balance transfer rate, the balance transfer request must be made by completing the online form or calling HSBC. Your account must be current and in good state at the time of processing your request. The interest rate on the balance transfer applied for 15 months at 4.99% p.a. and must be from non-HSBC credit cards. After this period any balance outstanding from the balance transfer will accrue interest at the variable cash advance rate (currently 25.99% p.a. as at 15-Jan-18). 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 balance transfer terms and conditions (PDF, 18 KB) apply.

5 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)) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions, limits and exclusions available at 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.

6 Facility and provider fees and charges may apply. ATM transactions fees may apply for use of non-HSBC ATMs.