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HSBC Premier World Mastercard

Expand your horizons with the credit card that rewards you, your way, when you travel and spend in style.

Spending just got more rewarding

With an HSBC Premier World Mastercard, you can choose to earn Rewards Plus or Qantas Points. The perks continue at home and away, with no annual fees, exclusive discounts, complimentary travel insurance, and so much more. 

  • Unlock premium benefits and perks from your chosen rewards program, with no annual fees
  • Get 0% pa interest on balance transfers for 12 months[@cards-balance-transfer-offer] (2% balance transfer fee applies)[@cards-2-percent-balance-transfer-fee]
  • Share the benefits with those close to you, with no additional cardholder fees[@additional-cardholder]

Rates and fees

Annual fee $0 

Interest-free period on purchasesUp to 55 days[@cards-up-to-55-days] 

Interest rate for purchases 19.99% pa 

What you get with an HSBC Premier World Mastercard

Say goodbye to annual fees

Experience all the perks of a global credit card without any annual card fees.

Earn rewards your way

Choose whether you want to earn Rewards Plus or Qantas Points.

Save with Agoda and Expedia

Get up to 10% off when you book your next adventure with your credit card via Agoda or Expedia[@agoda-expedia].

Enjoy bespoke airport experiences

Start your trip the right way, with access to over 1,000 lounges for you to relax in and offers at the best airport shops[@cards-loungekey-mastercard].

Your card, your choice

Choose the rewards program that works best for you.

Rewards Plus

The HSBC Rewards Plus program lets you earn points and transfer them to other airline reward programs, or redeem for cashback or gift cards

  • Earn 1.5 Rewards Plus points per $1 spent on eligible purchases, up to $120,000 spent per year[@cards-rewards-plus-points]
  • Redeem your points for cashback, gift cards, or travel

Qantas Rewards

Your Qantas Points will take you where you want to go.

  • Earn 1.5 Qantas Points per $1 spent on eligible purchases, up to $120,000 during the first 12 months of your account, and 1 Qantas Point per $1 in subsequent years[@cards-premier-qantas-points]
  • Unlock bespoke offers from 27,000 local and global retail partners with our home&Away Privilege Program[@accounts-homeaway]

Get even more with your Premier World Mastercard

  • Complimentary travel insurance
    Get domestic and international travel insurance with rental vehicle excess insurance in Australia, transit accident insurance, extended warranty insurance, and purchase protection insurance[@cards-complimentary-insurance]
  • Airport lounge passes
    Travel in style with 2 airport lounge passes every year with Mastercard Travel Pass, provided by DragonPass[@cards-loungekey-mastercard]
  • My Card Controls
    Use My Card Controls to help keep your spending safe with transaction limits and the ability to lock or unlock your card.
  • HSBC Instant Savings
    Discover over 4,500 ways to save when you get the HSBC Instant Savings app – learn more [@cards-instant-savings-tnc]

Card fees and features

Find out the fees and features for the HSBC Premier World Mastercard.
Fees and features Details
Interest rate for purchases 19.99% per year
Interest-free period[@cards-up-to-55-days] Up to 55 days
Interest rate for cash advances 21.99% per year
Annual fee $0
Balance transfer rate (introductory)[@cards-balance-transfer-offer] 0% for the first 12 months
Balance transfer fee[@cards-2-percent-balance-transfer-fee] 2% of the balance transferred
Cash advance fee 3% or $4, whichever is higher
Overseas transaction fee 3%
Additional cardholder fee (cardholder must be over 16 years old)[@additional-cardholder] $0
Minimum income requirement $75,000 per year
Minimum credit limit $10,000
Late payment fee $30
Find out the fees and features for the HSBC Premier World Mastercard.
Fees and features Interest rate for purchases
Details 19.99% per year
Fees and features Interest-free period[@cards-up-to-55-days]
Details Up to 55 days
Fees and features Interest rate for cash advances
Details 21.99% per year
Fees and features Annual fee
Details $0
Fees and features Balance transfer rate (introductory)[@cards-balance-transfer-offer]
Details 0% for the first 12 months
Fees and features Balance transfer fee[@cards-2-percent-balance-transfer-fee]
Details 2% of the balance transferred
Fees and features Cash advance fee
Details 3% or $4, whichever is higher
Fees and features Overseas transaction fee
Details 3%
Fees and features Additional cardholder fee (cardholder must be over 16 years old)[@additional-cardholder]
Details $0
Fees and features Minimum income requirement
Details $75,000 per year
Fees and features Minimum credit limit
Details $10,000
Fees and features Late payment fee
Details $30

What you need to know

Card tradeoffs

Compared to the HSBC Low Rate Credit Card, the HSBC Premier World Mastercard has a:

  • Higher purchase interest rate
  • Shorter introductory 0% pa interest balance transfer period
  • Higher overseas transaction fee

Compare our credit cards

You can find out more about our credit cards and compare them with the HSBC Premier World Mastercard Credit Card - compare our credit cards.

Are you eligible?

To apply for an HSBC Premier World Mastercard, you'll need to:

  • Have HSBC Premier customer status in Australia
  • Earn at least $75,000 per year
  • Have a good credit rating You may need to provide some identification and proof of address, income and employment to apply.

Ready to get started?

New to HSBC

If you've never banked with us before, you can leave us your details and we'll get back to you about your HSBC Premier World Mastercard Credit Card in 2 business days. We recommend using the latest version of Chrome or Safari to do so. It takes 10 minutes and you'll get an instant response.

Existing HSBC customers

If you're already an HSBC Premier customer, you can call us on 1300 301 168 or on +61 2 9005 8192 (if you're overseas) – our lines are open 24/7. You can also enquire about this credit card via online banking.

If you're an HSBC customer but you don't have a Premier account yet, you'll need to apply for HSBC Premier before you get this credit card.

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Important information

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

Available to new, approved customers who apply for the HSBC Premier World Mastercard. HSBC may change or end this offer at any time.

Fees, charges, terms, conditions and HSBC's lending criteria applies to all credit cards issued by HSBC. Go to www.hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. See terms and conditions for more information.

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