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
HSBC Instant Savings4
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 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 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
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 |
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
New to HSBC Premier
Call us on 1300 131 605 or +61 2 9005 8114 (overseas), Monday - Friday, 8am - 8pm (AEST).
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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