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Credit Cards

Common questions for HSBC credit cards

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Credit Cards

How do I activate my HSBC credit card?

You can activate your new HSBC credit card using HSBC's internet banking service or by calling our customer service centre.

If activating online, you'll need to be registered for internet banking and follow these easy steps:

  1. Logon to internet banking.
  2. Select your credit card account.
  3. Select 'Manage your account' and 'Activate Card' and follow the steps to activate your card.

If activating by phone, please call our Customer Service Centre on 132 152 (or +612 9005 8511 if calling from overseas) and follow these 3 easy steps:

  1. Enter your card number.
  2. Follow the prompts to register your account for our automated banking services (if you're not already registered).
  3. Once registered, select the card activation option and follow the prompts. Your HSBC credit card will be activated once this is completed successfully.

For HSBC Premier customers, please call the HSBC Premier Centre on 1300 301 168 (or +612 9005 8192 if calling from overseas) and have your HSBC Premier credit card with you for Activation.

How can I change my HSBC credit card PIN?

You can change your PIN by logging on to HSBC's internet banking service. Once you're logged in, select 'Manage your account' from the menu, then select 'My Security' and then 'Change my PIN' and follow the simple instructions to change your PIN.

How do I make an online payment to my HSBC credit card?

You can perform a BPAY® payment online using the HSBC internet banking service. The biller code to use is 17095. If you are not registered for our internet banking service, contact our Customer Service Centre on 132 152 (+612 9005 8511 if calling from overseas). Some fees and charges may apply to specific payment methods, click here for more information.

How do I increase or decrease my HSBC credit card credit limit?

If you would like to apply to have your HSBC credit card credit limit increased, the primary cardholder will need to complete a Credit Limit Increase Request form. You can apply for a credit limit increase provided your HSBC credit card account has been open for 6 months, your account has been kept in good order, and you have not applied for an increase in the previous 6 months. HSBC's credit criteria apply.

If you would like to reduce your existing credit limit up to the product minimum credit limit, please contact our Customer Service Centre on 132 152 (+612 9005 8511 if calling from overseas), or fax your written request to HSBC Card Services on +612 8987 5923. For HSBC Premier customers, please call the HSBC Premier Centre on 1300 301 168 (or +612 9005 8192 if calling from overseas).

Can I use my HSBC credit card at an ATM to withdraw cash?

Yes, you can use your HSBC credit card at any ATM worldwide that carries the 'Visa' or 'PLUS' or 'MasterCard' logos. You'll need to use your PIN. Withdrawals from ATMs are treated as Cash Advances, with interest charged from the date of withdrawal. Fees and charges, terms and conditions apply to cash advances.

What fees are charged for using my HSBC credit card locally and/or overseas?

For detailed information on the fees and charges applicable to your HSBC credit card, refer to the Schedule that came with your card. You can also refer to the current Personal Financial Charges for HSBC credit cards.

How do I change my name on my HSBC credit card?

If you wish to change or update any of your personal details, please call our Customer Service Centre on 132 152 (+612 9005 8511 if calling from overseas) or for HSBC Premier customers, please call the HSBC Premier Centre on 1300 301 168 (or +612 9005 8192 if calling from overseas). Please be advised that you might be required to provide documentation to support the changes you requested.

I have not received a new HSBC credit card after my old one expired. How do I get a new one?

Your HSBC credit card won't expire until the end of the month. For example, if you have an expiry date of 08/13 this means your card will expire at the end of the 8th month in 2013 - that is 31 August 2013. You will automatically receive a new HSBC credit card during the month of expiry. If you haven't received your new card by the 25th of the month, please contact our Customer Service Centre on 132 152 (+612 9005 8511 if calling from overseas).

Please note that even though your HSBC credit card number will remain the same you may need to notify merchants with whom you have set up a direct debit or regular payment authority of your new expiry date.

I've lost my HSBC credit card. How do I get a new one?

It is important to report that your HSBC credit card has been lost or stolen as soon as possible, by calling our Customer Service Centre on 132 152 (+61 2 9005 8511 if calling overseas), or for your HSBC Premier credit card 1300 301 168 (+612 9005 8192 if calling from overseas). Our customer service centre is open 24 hours a day, 7 days a week. We can block your card and arrange to issue you a replacement card.

Please allow 7 days for your replacement HSBC credit card to be issued and mailed to you. If you need an urgent or overseas card replacement, please advise your HSBC consultant.

Please note a charge of up to $50 (delivery within Australia) or $200 (delivery overseas) applies for this service. Be sure to notify HSBC as soon as possible or you may be liable for unauthorised use of your account (see our terms and conditions).

I've forgotten my HSBC credit card PIN. How do I get a new one?

You can change your PIN by logging on to HSBC's internet banking service. Once you're logged in, select 'Manage your account' from the menu, then select 'My Security' and then 'Change my PIN' and follow the simple instructions to change your PIN. Alternatively, if you are not registered for our internet banking service, contact our Customer Service Center on 132 152 (+612 9005 8511 if calling from overseas) for a paper PIN.

How do I close my HSBC credit card account?

If you wish to close your HSBC credit card account, please contact our Customer Service Centre on 132 152 (+612 9005 8511 if calling from overseas).

For HSBC Premier customers, please call the HSBC Premier Centre on 1300 301 168 (or +612 9005 8192 if calling from overseas).

Interest Free Credit Card

12 months interest free? How does that work?

Interest free means you will not have to pay any interest on the purchase you made during the promotional period (which can be from 3 to 60 months, depending on the retailer). You still have to pay a minimum monthly repayment like you would with any standard credit card purchase.

How do I take advantage of interest free1?

Visit a participating retailer and let a staff member know you wish to make a purchase on interest free1. The application is easy and should only take 5-10 minutes. If you are approved, you can take your new purchase home today, and your new HSBC Classic Credit Card2 will be mailed to you.

For existing HSBC credit card holders, making interest free purchases within your credit limit is simple. Mention you wish to make a purchase on interest free at a participating retailer and your purchase will be settled in minutes.

Do I need to have a credit card to make an interest free purchase?

Yes, the interest free1 promotion is only available with an HSBC Classic Credit Card.

What does interest free payment deferred mean?

As well as having the advantage of not being charged any interest for the specified promotional period, you don't need to make any repayments for the deferred period for the specified purchase. Some retailers call this "Buy Now Pay Later" or "Nothing to pay until..." or "No interest and no repayments until...". Payments will be required once the promotional term has expired.

What is the minimum monthly repayment I will have to make?

You must repay a minimum amount every month by the date shown on your statement (please note this is the date HSBC should receive the payment, not the date on which you make the payment).

For our HSBC Classic Credit Card, the minimum repayment is the higher of $20 or 3% of the outstanding balance.

For our Personal Instalment Line, the minimum repayment is the amount of the purchase divided by the number of months in the promotion, plus fees and interest charges.

You do not have to make a repayment if your balance is zero or in credit, or if you are within a payment deferred promotional period. You may pay all of or more than the outstanding balance if you wish. The minimum monthly repayment as noted on your statement may not pay off your outstanding balance within the promotional period.

Can I use my card for everyday purchases as well?

Yes, your HSBC Classic Credit Card can be used for regular purchases whenever you shop at any of the 24 million retailers worldwide that accept Visa.

What about extra purchases?

Once you are approved and have your HSBC Classic Credit Card, you have the ability to make additional interest free1 purchases, as long as you stay within your approved credit limit. When you've found what you want, in one of the participating retailers, simply ask the staff member to make the payment for the new item as an 'add on' to benefit from interest free1.

Do I have to pay off my interest free purchase before I can use my card again?

No. Once you receive your HSBC Classic Credit Card you will have a credit limit, which will often be higher than the amount of your interest free1 purchase. As long as you have sufficient available credit left on your card, you can use it for additional every day or interest free purchases up to the full amount of your credit limit.

When will I receive my first statement?

You will receive your first statement within one month of taking delivery of your promotional purchase.

Can I pay off my balance before the end of the promotional period?

Yes, you can pay off the full balance at any time.

Is there an exit fee for early payments?

There is no exit fee for early repayments.

What happens if I don't pay the total amount owing by the end of the promotional period?

At the end of the promotional period, any outstanding balances will incur interest at our cash advance interest rate. Interest is only charged to the remaining promotional balance from the day after the promotion expires and is not backdated to the start of the promotion.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Fees, charges and lending criteria apply. Terms and conditions apply and are available on request.

1 Available at participating retailers only. Minimum purchase and conditions apply. Interest free finance is applied only to promotional transactions for the specified period. Balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the cash advance rate (currently 25.99% p.a. as at 29-Jan-18). Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher.

2 Annual Fee of $79.