Top of main content

HSBC Star Alliance Credit Card

Unlock a world of global travel benefits

Why choose an HSBC Star Alliance Credit Card?

  • Fast track to Star Alliance Gold Status1 in year one of your account when you spend $4,000 or more on eligible purchases2 in the first 90 days from account opening.
  • For a limited time, $0 annual fee in the first year3 ($450 thereafter).
  • Earn uncapped Star Alliance Points4 to convert5 into award miles or points in your chosen Frequent Flyer Program of a participating Star Alliance member airline.

Available to new, approved customers who apply for the HSBC Star Alliance Credit Card. Offer is not available for product transfers or in conjunction with any other offer. HSBC may change or end this offer at any time. Please see terms and conditions below. Fees and charges may apply.

Star Alliance Gold Status

Open up a special set of benefits6 across the entire Star Alliance network including:

Global lounge access

Airport Lounge Access at over 1,000 lounges world-wide7

Priority at airports

Priority Airport Check-in8, Priority Boarding8 and access to Gold Track9 – priority airport security lanes

Baggage benefits

Priority Baggage Handling and Extra Baggage Allowance on eligible flights10

Priority waitlists

Priority Reservations Waitlist11 and Priority Airport Stand-by12

You earn Star Alliance Gold Status13 when you spend $60,000 or more14 on purchases in a qualification year15. Earn Silver Status16 when you spend $30,000 or more on eligible purchases in a qualification year17. Silver status benefits6 include Priority Reservation Waitlist11 and Priority Airport Standby12. See the full list of Status benefits at https://www.staralliance.com/en/recognition.

Earn uncapped Star Alliance Points

  • Earn 1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance Points per $1 spent on eligible purchases thereafter. The earning of Star Alliance Points is uncapped4.
  • Points earned are transferred to your Star Alliance rewards account monthly.
  • Convert5 your Star Alliance Points to award miles or points in your chosen Frequent Flyer Program of a participating Star Alliance member airline.

Additional benefits

Save on travel

  • Complimentary insurance benefits18. Enjoy Domestic and International Travel Insurances with Rental Vehicle Excess Insurance in Australia, Transit Accident Insurance, Extended Warranty Insurance, and Purchase Protection Insurance. Cover for claims relating to Covid-19 may be available under selected international travel insurance benefits19.
  • 0% interest for 6 months20 on flight bookings made directly through participating Star Alliance member airlines websites using your HSBC Star Alliance Credit Card.

Spend your way

  • 0% p.a. interest on Balance Transfers for 12 months21 with 2% Balance Transfer Fee22.
  • Up to 55 days interest free on card purchases23.
  • Mobile Payments24. Apple Pay and Google PayTM, can be used wherever you can make contactless purchases, online, and at participating retailers in store.
  • Additional cardholders. Share the benefits with those close to you, with no Additional Cardholder fees25.

Everyday value

  • Home&Away Privilege Program26. Your gateway to exclusive offers and privileges from our 27,000 selected partners at home and overseas.
  • HSBC Instant Savings27. 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.

Award-winning credit card

In April 2023 our HSBC Star Alliance Credit Card won the Canstar Innovation Excellence Award.

Credit Card Fees and Charges

Credit Card Fees and Charges
Feature Details
Annual Credit Card Fee $0 in the first year3 ($450 thereafter)
Cash Advance Fees The higher of 3% or $4
Complimentary insurance benefits18 Yes
home&Away Privilege Program26 Yes
Interest Free Period on purchases Up to 55 days23
Interest Rate for Cash Advances 21.99% p.a.
Interest Rate for Purchases 19.99% p.a.
Late Payment Fees $30
Minimum Credit Limit Offered $6,000
Minimum Income Requirement $75,000 p.a.
Multiple additional cards for family or friends over 16 years Yes (no fee)
Overseas Exchange Fees 3%
Rewards Program Yes – Star Alliance Rewards
Credit Card Fees and Charges
Feature Annual Credit Card Fee
Details $0 in the first year3 ($450 thereafter)
Feature Cash Advance Fees
Details The higher of 3% or $4
Feature Complimentary insurance benefits18
Details Yes
Feature home&Away Privilege Program26
Details Yes
Feature Interest Free Period on purchases
Details Up to 55 days23
Feature Interest Rate for Cash Advances
Details 21.99% p.a.
Feature Interest Rate for Purchases
Details 19.99% p.a.
Feature Late Payment Fees
Details $30
Feature Minimum Credit Limit Offered
Details $6,000
Feature Minimum Income Requirement
Details $75,000 p.a.
Feature Multiple additional cards for family or friends over 16 years
Details Yes (no fee)
Feature Overseas Exchange Fees
Details 3%
Feature Rewards Program
Details Yes – Star Alliance Rewards

Applying is easy

Who can apply

  • Must be over 18 and be an Australian resident
  • Earn at least $75,000 p.a.
  • Have a good credit rating

Information needed

  • Identification
  • Address details
  • Income and employment

What to expect

  • Apply securely online in 10 minutes 
  • Get an instant response in 60 seconds 
  • Upload extra documentation

Apply for an HSBC Star Alliance Credit Card

If you need additional support with your application, please call us on 1300 131 605 (Monday to Friday, 8:00am to 8:00pm AEST) or visit your local branch.

Frequently Asked Questions

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. 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 www.hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. View Terms and Conditions for full details.

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

  1. To be eligible for Fast Track to Star Alliance Gold Status, you must apply and be approved for a new HSBC Star Alliance Credit Card and spend $4,000 on eligible purchases within the first 90 days from account opening. Star Alliance Gold status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Status will be granted within 30 days after reaching the qualifying spend of $4,000, provided that your account is active and not in arrears. Your status will be granted until the first anniversary of your account opening or earlier, if you qualify for a higher status with your selected Frequent Flyer Program by any means. You may not be able to receive Star Alliance Gold status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Star Alliance Credit Card within the last 18 months are ineligible for this offer.
  2. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.
  3. The Annual Fee will be $0 in the first year, then $450 in subsequent years and is subject to change. Therefore, the first annual fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. $0 Annual Fee in the first year does not apply to existing HSBC customers transferring from another HSBC credit card.
  4. Star Alliance Points are earned in accordance with and are subject to HSBC Star Alliance 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. Membership, and the earning and redemption of points is subject to the terms and conditions of Star Alliance Rewards available here. Earn 1 Star Alliance Point per $1 spent up to $3,000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Star Alliance Points per statement period. The earning of Star Alliance Points is uncapped.
  5. Subject to your membership in the Frequent Flyer Program (FFP) of the relevant Star Alliance Member Airline. Transaction limits and other reasonable redemption conditions of Star Alliance Rewards apply, available here. List of FFPs of participating Star Alliance member airlines available here.
  6. The benefits of Star Alliance Silver and Star Alliance Gold status are subject to change.
  7. Lounge access extends to Star Alliance Member Airlines, Star Alliance-branded lounges and certain contract and program lounges when travelling on flights operated by Star Alliance Member Airlines. The right to lounge access for Star Alliance Gold customers is subject to the terms and conditions of Star Alliance Lounge Access Policy available here.
  8. Where available.
  9. Refers to priority lanes for airport security and immigration, where available – list of locations available here. Subject to local laws and regulations.
  10. Available on itineraries involving a connection between two or more Star Alliance member airlines. Not all member airlines offer this benefit on own flights not involving such connections. Check with your relevant member airline at time of booking.
  11. Except when travelling on an award ticket. At all times, subject to applicable legal regulations and the policy of the member airline concerned.
  12. At all times, subject to applicable legal regulations and the policy of the member airline concerned.
  13. Star Alliance Gold status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Generally, your status will be granted for at least 12 months or less if you qualify, by any means, for a higher status tier with your selected Frequent Flyer Program. Exceptions apply, please refer to the Star Alliance Rewards Terms and Conditions. The start date of your status may differ depending on the Frequent Flyer Program you select and may not be until the next anniversary of the opening of your card account (more information available on the Star Alliance Rewards Terms and Conditions). Status will not be granted unless your account is active and not in arrears. You may not be able to receive Star Alliance Gold status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status, or any status earned in the same qualification year. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account.
  14. Upon qualification under this option, these rules apply instead of those of the Fast Track to Star Alliance Gold welcome offer.
  15. You must spend at least $60,000 on eligible purchases in each 12-month period starting from account opening. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.
  16. Star Alliance Silver status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Generally, your status will be granted for 12 months or less if you qualify, by any means, for a higher status tier with your selected Frequent Flyer Program. Exceptions apply, please refer to the Star Alliance Rewards Terms and Conditions. The start date of your status may differ depending on the Frequent Flyer Program you select and may not be until the next anniversary of the opening of your card account (more information available on the Star Alliance Rewards Terms and Conditions). Status will not be granted unless your account is active and not in arrears. You may not be able to receive Star Alliance Silver status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status, or any status earned in the same qualification year. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account.
  17. You must spend at least $30,000 on eligible purchases in each 12-month period starting from account opening. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.
  18. 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 www.hsbc.com.au 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.
  19. 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 www.hsbc.com.au.
  20. Any outstanding balance at the end of the 6-month promotional period reverts to the standard variable purchase rate (currently 19.99% p.a.). Only applicable for purchases made directly through one of the following participating airlines websites Singapore Airlines, Air New Zealand, Air Canada, United Airlines, Thai Airways, Eva Air, South African Airways.
  21. To be eligible for the introductory Balance Transfer interest rate, the Balance Transfer request must be made when applying for the new HSBC credit card and must be from non-HSBC credit cards. The total balance transfer amount must not exceed 90% of your approved credit limit. For the HSBC Star Alliance Credit Card, 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 current variable cash advance rate (currently 21.99% p.a.). 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 Star Alliance Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount.
  22. The Balance Transfer Fee will be calculated at 2% 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.
  23. 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 is no interest free period 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.
  24. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC Corporate Cards.
  25. Additional credit cards can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Star Alliance Points remain the benefit of the primary cardholder.
  26. Terms and conditions apply for the Home&Away Privilege Program.
  27. HSBC Instant Savings terms and conditions apply. Visit www.hsbc.com.au/credit-cards/terms for full details.