
Why choose a Low Rate card?
-
Low Interest Rate of just 12.99% p.a.
-
No overseas transaction fees1
-
0% p.a. interest on Balance Transfers for 20 months2 with 2% BT fee3
-
Complimentary Domestic Travel insurance4
-
Mobile Payments6
Apple Pay and Google PayTM, can be used wherever you can make contactless purchases, online, and at participating retailers in store.
Rates & Fees:
- 0% p.a. Balance Transfer for 20 months2
- Ongoing low purchase interest rate of 12.99% p.a.
- $99 annual fee
Ways to open:
Online, Branch, Phone

Credit Card Fees and Charges
Fee Type |
Fee Amount & Details |
---|---|
Annual Credit Card Fee | $99 |
Introductory Balance Transfer Rate from non-HSBC credit cards on application |
0% p.a. for 20 months1 (reverting to the variable cash advance rate) with a 2% balance transfer fee2 |
Interest Free Period on purchases |
Up to 55 days5 |
Minimum Income Requirement | $40,000 p.a. |
Minimum Credit Limit Offered | $1,000 |
Interest Rate for Purchases | 12.99% p.a. |
Interest Rate for Cash Advances | 25.99% p.a. |
Overseas Exchange Fees | 0% |
Cash Advance Fees | The higher of 3% or $4 |
Rewards Program |
No |
home&Away Privilege Program3 |
Yes |
Multiple additional cards for family or friends over 16 years | Yes (no fee) |
Additional Insurances |
No |
Fee Type |
Annual Credit Card Fee |
---|---|
Fee Amount & Details |
$99 |
Fee Type |
Introductory Balance Transfer Rate from non-HSBC credit cards on application |
Fee Amount & Details |
0% p.a. for 20 months1 (reverting to the variable cash advance rate) with a 2% balance transfer fee2 |
Fee Type |
Interest Free Period on purchases |
Fee Amount & Details |
Up to 55 days5 |
Fee Type |
Minimum Income Requirement |
Fee Amount & Details |
$40,000 p.a. |
Fee Type |
Minimum Credit Limit Offered |
Fee Amount & Details |
$1,000 |
Fee Type |
Interest Rate for Purchases |
Fee Amount & Details |
12.99% p.a. |
Fee Type |
Interest Rate for Cash Advances |
Fee Amount & Details |
25.99% p.a. |
Fee Type |
Overseas Exchange Fees |
Fee Amount & Details |
0% |
Fee Type |
Cash Advance Fees |
Fee Amount & Details |
The higher of 3% or $4 |
Fee Type |
Rewards Program |
Fee Amount & Details |
No |
Fee Type |
home&Away Privilege Program3 |
Fee Amount & Details |
Yes |
Fee Type |
Multiple additional cards for family or friends over 16 years |
Fee Amount & Details |
Yes (no fee) |
Fee Type |
Additional Insurances |
Fee Amount & Details |
No |
Applying is easy
Who can apply
- Must be over 18 and be an Australian resident
- Earn at least $40,000 p.a.
- Have a good credit rating
Information needed
- Identification
- Address details
- Income and employment
What to expect
- Apply securely online in 10 minutes
- Get an instant response in 60 seconds
- Upload extra documentation
Apply for an HSBC Low Rate Credit Card
Already an HSBC customer?
Already an HSBC Australia customer with Online Banking?
Already an existing HSBC credit card holder?
Important information
You might be interested in

Platinum Card
For people who want the best, including access to a host of benefits.

Platinum Qantas Card
The Qantas frequent flyer credit card that gives you Qantas points.

Premier Card
The Premier World Mastercard is accepted at over 32 million locations worldwide.

Interest Free
Spread your repayments with up to 60 months Interest Free at over 1,000 participating retailers.