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A wonderful travel experience; image used for HSBC Australia Premier World Mastercards.

HSBC Premier World Mastercard

Your choice of rewards program and earn points with everyday spend.

Why Choose a Premier World Mastercard?

It's your card, so we give you a choice of two Rewards Programs to choose from.

Enjoy one of the following:

  • HSBC Rewards Plus5 Program with no annual fee
    or
  • HSBC Qantas Rewards6 Program with a $99 annual fee

  • MastercardTM Airport Experiences provided by LoungeKey11

  • Complimentary Insurance Benefits8

  • My Card Controls

Rates & Fees:

  • $0 Annual Fee with HSBC Rewards Plus ($99 with Qantas Points)
  • $10,000 minimum credit limit1

Ways to open:

  • Branch, Phone, Online Enquiry

Features & Benefits

Rewards Options

HSBC Premier World Mastercard

HSBC Rewards Plus5

  • No annual fee (other fees and charges may apply)
  • Earn 1 HSBC Rewards Point5 for every $1 spent on eligible domestic purchases7
  • Earn 1.5 HSBC Rewards Points5 on eligible international purchases7
  • Points capped at 10,000 per statement and can be redeemed for a range of shopping, travel and merchandise rewards
  • HSBC Premier Rewards for Miles - choose to transfer your points to leading airline rewards programs, including AsiaMiles™, and Singapore Airlines' KrisFlyer
HSBC Premier World Mastercard

HSBC Qantas Rewards6

  • $99 annual fee
  • Earn 1 Qantas Point6 for every dollar spent on eligible purchases7, to a total of 10,000 per statement
  • Plus, enjoy the home&Away Privilege Program9, your gateway to exclusive offers and privileges from our 27,000 selected partners at home and overseas

Features

  • Minimum credit limit $10,0001
  • HSBC Instant Savings5
    Free membership of Frequent ValuesTM by Entertainment Publications gives you access to 4,500 exciting offers at participating stores, restaurants, hotels and family attractions when you use your card.
  • Complimentary insurance benefits8
    Enjoy Domestic and International Travel Insurances with rental vehicle insurance excess cover, Transit Accident Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme and Purchase Protection Insurance.
  • Emergency cash advance2
    In the event of theft or loss, we'll advance you up to US$2,000 and replace your card the next day.#
  • Up to 55 interest-free days10
  • Mastercard Airport Experiences provided by LoungeKey11
    Offers HSBC Premier Mastercard holders membership to 1000+ lounges worldwide, plus select exclusive offers from top airport merchants. Click here for full offer details and terms and conditions.
  • Discover a world of savings with Expedia12
    Get a 10% discount on selected pre-pay stand-alone Expedia hotel bookings every time you pay with your HSBC Premier Mastercard. Click here for offer details and terms and conditions.
  • Exclusive travel discounts with Agoda13
    Click here for offer details and terms and conditions.
  • Additional cardholder
    Let someone else enjoy the benefits, fee-free. (Other charges may apply.)
  • My Card Controls
    You now have the ability to control your own card. Simply log on to Online Banking and customise restrictions on your transactions by amount, type or country/region.
  • Mobile Payments3
    Apple Pay and Google PayTM, can be used wherever you can make contactless purchases, online, and at participating retailers in store.

Who can apply?

  • Hold Premier Status in Australia
  • Earn at least $75,000 p.a.
  • Have a good credit rating



You can find out more about HSBC Premier, read more about the benefits and rewards and understand the eligibility criteria.

Credit Card Fees and Charges

Credit Card Fees and Charges

Annual Credit Card Fee

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

Interest Free Period on purchases

Up to 55 days10

Minimum Credit Limit Offered

$10,0001

Interest Rate for Purchases

19.99% p.a.

Interest Rate for Cash Advances

21.99% p.a.

Late Payment Fees

$30

Overseas Exchange Fees

2%

Cash Advance Fees

The higher of 3% or $4

Rewards Program

Yes

home&Away Privilege Program9

Yes

Multiple additional cards for family or friends over 16 years

Yes (no fee)

Complimentary insurance benefits8

Yes

Credit Card Fees and Charges

Annual Credit Card Fee

Interest Free Period on purchases

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

Up to 55 days10

Annual Credit Card Fee

Minimum Credit Limit Offered

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

$10,0001

Annual Credit Card Fee

Interest Rate for Purchases

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

19.99% p.a.

Annual Credit Card Fee

Interest Rate for Cash Advances

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

21.99% p.a.

Annual Credit Card Fee

Late Payment Fees

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

$30

Annual Credit Card Fee

Overseas Exchange Fees

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

2%

Annual Credit Card Fee

Cash Advance Fees

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

The higher of 3% or $4

Annual Credit Card Fee

Rewards Program

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

Yes

Annual Credit Card Fee

home&Away Privilege Program9

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

Yes

Annual Credit Card Fee

Multiple additional cards for family or friends over 16 years

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

Yes (no fee)

Annual Credit Card Fee

Complimentary insurance benefits8

$0 for HSBC Rewards Plus or $99 for HSBC Qantas Rewards

Yes

Apply for an HSBC Premier World Mastercard

Already have an HSBC Premier account

Call us on 1300 301 168 or +61 2 9005 8192 (overseas) (24/7).

Or enquire online if you have access to Online Banking.

Important information

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Terms & Conditions 

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Eligibility criteria for HSBC Premier applies and is set out in the HSBC Premier Service Guide. Eligibility criteria remain at HSBC's absolute discretion. Terms, conditions and other restrictions apply Visit hsbc.com.au or call 1300 301 168 for more information. Mastercard, the circles design, and PayPass are the registered trademarks of Mastercard International Incorporated. World Mastercard program terms and conditions apply.

  1. The HSBC Premier World Mastercard offers a minimum credit limit of $10,000. For credit limits above this minimum 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.
  2. You may borrow up to 2000 USD. Further amounts may be available upon application and assessment by HSBC. Funds will only be provided in countries where HSBC is located. You will need to present adequate identification (such as your Passport, HSBC Premier World Mastercard or HSBC Premier ATM Card). Fees, charges and interest may apply with any advance made. Details of these charges are available on request. Any funds made available by HSBC are subject to terms and conditions, and legal and regulatory requirements.
  3. Terms and conditions apply to the use of  Apple Pay and Google Pay. Excludes HSBC Corporate Cards.
  4. HSBC Instant Savings terms and conditions apply. Visit hsbc.com.au/credit-cards/terms for full details.
  5. Rewards Program terms and conditions apply.
  6. Qantas Points are earned in accordance with and are subject to HSBC Premier World Mastercard - Qantas Rewards Terms and Conditions.No points are earned on interest free and other promotions, Balance Transfers, business expenses, 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 into HSBC Qantas Rewards and who join by visiting Qantas Frequent Flyer 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.
  7. 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.
  8. Insurance policies are issued by AWP Australia 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 for HSBC insurance policies, limits and exclusions apply and are 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 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.  
  9. Terms and conditions apply for the home&Away Privilege Program. 
  10. Up to 55 days interest free on purchases will depend 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 only receive the benefit of an interest free period on purchases if you pay your full closing balance (excluding any balance transfer, cash transfer and promotional purchases) by the due date.
  11. The lounge visit fee of US$32 per person for each visit will be charged to your card. Mastercard Airport Experiences is provided by LoungeKey terms and conditions apply. 
  12.  Expedia Terms and Conditions apply.
  13. Agoda Terms and conditions apply.

#Excluding courier time and postage time.