HSBC Premier World Mastercard

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and 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.Offers available to new, approved HSBC credit cardholders. Fees, charges, terms, conditions and HSBC's lending criteria applies to all credit cards issued by HSBC. 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.

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

1. The balance transfer fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee is applied at the time the balance is transferred and forms part of the total outstanding balance.
   
2. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC Corporate Cards.
3. HSBC Instant Savings terms and conditions apply. Click here for full details.
4. HSBC Rewards Plus points are earned in accordance with and are subject to the HSBC Premier World Mastercard - Rewards Plus Terms and Conditions. HSBC Rewards Plus points will no longer accrue when the total value of your eligible purchases reaches $120,000 in each 12-month period commencing from your account opening date. HSBC Rewards Plus points previously earned are subsequently deducted if there are refunds, reimbursements or chargebacks on your account. No points are earned on interest-free and other special promotions, balance transfers, business expenses, cash transfers, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. 
5. For newly issued HSBC Premier World Mastercard credit cards with Qantas Rewards, a promotional earn rate applies for the first 12 months from your account opening date. In addition to earning 1 Qantas Point per $1 spent on eligible purchases, you will earn an additional 0.5 Qantas Points per $1 spent on eligible purchases processed within the first 12 months of your account opening date. That is, you will earn 1.5 Qantas Points for every $1 spent on eligible purchases for the first 12 months from your account opening date. After the first 12 months from account opening, you will earn 1 Qantas Point per $1 spent on eligible purchases. Qantas Points will no longer accrue when the total value of your eligible purchases reaches $120,000 in each 12-month period commencing from your account opening date. Qantas Points previously earned are subsequently deducted if there are refunds, reimbursements or chargebacks on your account. This promotional earn rate offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Qantas Points earning credit card within the previous 12 months from the application date are ineligible for this offer. We reserve the right to end this offer at any time. Qantas Points are earned in accordance with and are subject to the HSBC Premier World Mastercard - Qantas Rewards Terms and Conditions. No points are earned on interest-free and other special promotions, balance transfers, business expenses, cash transfers, 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 in to the Qantas Rewards program and who join by visiting 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. 
6. To be eligible for the introductory balance transfer interest rate, you must make the balance transfer request when applying for the HSBC Premier World Mastercard and the balance transfer must be from non-HSBC credit cards. The total balance transfer amount must not exceed 90% of your approved credit limit. The introductory interest rate on the balance transfer applies for 12 months from the day the balance transfer has posted. After this period, any balance outstanding will accrue interest at the variable cash advance rate (currently 21.99% p.a. and subject to change). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts the highest interest rate first, and then to portions of your balance that attract lower interest rates. This may mean applying all payments made to your HSBC credit card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. Full HSBC Balance Transfer terms and conditions apply.
7. Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at Credit Card Terms and Conditions which may be amended from time to time. Consider its appropriateness to these factors before acting on it You can contact AGA on 1800 648 093. 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.
8. Terms and conditions apply for the home&Away Privilege Program.
9. 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.
10. As a primary HSBC Premier World Mastercard cardholder, you are entitled to two complimentary airport lounge passes each calendar year with Mastercard Travel Pass provided by DragonPass. Complimentary airport lounge passes will renew on 1 January and expire at 23:59 on 31 December each year. Each lounge pass is admission for one person and can either be used by the primary cardholder or a guest. The guest must accompany the primary cardholder and cannot access the airport lounge on their own. Additional guests or visits beyond the two complimentary airport lounge passes per calendar year will be charged 32 USD per person to the HSBC Premier World Mastercard. Overseas transaction fees may apply. Airport lounge visit prices are subject to change. Your access to the program may be blocked if your primary account is closed, in arrears, reported lost or stolen, closed or has been blocked by us for any reason. For more information on the program, a full list of terms and conditions is available at mastercardtravelpass.dragonpass.com/terms-and-conditions and Frequently Asked Questions are available at mastercardtravelpass.dragonpass.com/faq. To gain access to participating airport lounges, you must first register your HSBC Premier World Mastercard in the Mastercard Travel Pass app or at mastercardtravelpass.dragonpass.com, generate a membership QR code and present this along with your boarding pass for validation. Access to airport lounges is subject to availability. To redeem other offers including dining benefits, please visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the offer QR code to the staff at the participating restaurant to redeem the offer. Offers may vary by location.
11. Expedia Terms and Conditions apply.
12. Agoda Terms and Conditions apply.
13. If during the period of your cover, you (and your spouse/dependents, if they're eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19) cover may be available under selected International Travel Insurance benefits. The eligibility criteria, terms, conditions,limits and exclusions of the group policy are set out in the Information Booklet available at HSBC Credit Card Terms and Conditions.