HSBC Premier World Mastercard^TM

Credit provider is HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Eligibility criteria for HSBC Premier apply and are set out in the HSBC Premier Personal Economy brochure (PDF, 3.6MB). Eligibility criteria remain at HSBC's absolute discretion. Terms, conditions and other restrictions apply. Visit hsbc.com.au or call 1300 301 168. Mastercard is the trademark of Mastercard International Incorporated. PayPass is the trademark of Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. World Mastercard program terms and conditions apply.

¹ HSBC Premier World Mastercard is based on a minimum credit limit of $15,000. For access to credit limits above this 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 USD$2000 and further amounts may be made available upon application and assessment by HSBC. Funds will only be provided in countries where HSBC is located and where you present adequate identification (such as your Passport, HSBC Premier World Mastercard or HSBC Premier ATM Card). Fees, charges and interest may apply in respect to any advance made details of these charges are available on request. Any funds made available by HSBC are provided subject to terms and conditions and is subject to legal and regulatory requirements.

³ HSBC Instant Savings terms and conditions apply. Visit hsbc.com.au/credit-cards/terms for full details.

⁴ Rewards Program terms and conditions (PDF, 125 KB) apply.

⁵ Qantas Points accrue in accordance with and subject to the HSBC Qantas Rewards Terms and Conditions. No points are earned on balance transfers, cash advances and other ineligible transactions. You must be a member of the Qantas Frequent Flyer program and provide your valid membership number to HSBC in order to earn and redeem points. 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. 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.

⁶ 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.

⁷ 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 of HSBC credit card insurance, 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 available at hsbc.com.au or by calling 1800 648 093.

⁸ home&Away Privilege Program terms and conditions apply.

⁹ 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.

¹⁰ Redemption of HSBC Reward Points for Velocity Points is only available to eligible HSBC Premier or Platinum credit card holders. 1 Velocity Point will be earned for every 2 HSBC Reward Points transferred. A minimum Points transfer requirement applies; members must transfer in blocks of 5,000 or 10,000 HSBC Reward Points. To redeem HSBC Reward Points for Velocity Points, individuals must be a Velocity Member. Membership of Velocity is the Cardholder's responsibility and is subject to the Velocity Membership Terms & Conditions as amended from time to time, available at velocityfrequentflyer.com. The redemption of HSBC Reward Points will be administered solely by HSBC and may take up to 5 business days or longer to transfer into the Velocity Membership Account. Once HSBC Reward Points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms & Conditions and cannot be cancelled or reversed. All Velocity Points redemptions with Velocity Frequent Flyer are subject to availability which may be limited and are subject to Velocity Membership Terms & Conditions available at velocityfrequentflyer.com.

¹¹ Lounge visit fee of US$ 27 per person, per visit will be chargeable to your card. Mastercard Airport Experiences provided by LoungeKey terms and conditions apply. Visit hsbc.com.au/credit-cards-terms for a copy of the terms and conditions.

¹² Expedia Terms and Conditions apply. For full details and terms and conditions visit www.expedia.com.au/HSBCPremier.

¹³ Agoda Terms and Conditions apply. For full details and terms and conditions visit www.agoda.com/HSBCPremier.