Credit Card with No Annual Fee and a Low Interest Balance Transfer
Find out about the benefits and features that you can enjoy with a no annual fee, low interest card that includes a 0% p.a. for 6 months with 2% handling fee balance transfer.
It is useful to understand why having a HSBC Credit Card can be a great way to have cost free card usage.
There is no annual credit card fee payable, for this HSBC Credit Card plus a low interest is an extra bonus.
Features of the HSBC Credit Card
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
0% p.a. for 6 months |
|---|---|---|
| Interest Rate on Purchases | |
17.99% p.a. |
| Annual Fee | |
$0 |
| Interest Free Period | |
up to 55 days |
| Cash Advance Rate | |
21.99% p.a. |
| Card Type | |
Standard |
| Minimum Income Requirement | |
$20,000 p.a. |
| Credit Card Type | |
Visa |
| Rewards Program | |
No |
0% p.a. for 6 months with 2% handling fee balance transfers: By utilising the offer you can pay off your existing credit card at a low interest rate just by transferring the balance to your new HSBC Credit Card:
- No annual fee for the term of the credit card
- An interest free period of 55 days on all purchases
- 17.99% p.a. interest rate on purchases
- 21.99% p.a. cash advance rate
- Home & Away Privilege Members. This program gives instant discounts on travel, shopping, accommodation and lots more.
If your current rate of interest on your credit card is breaking the bank, you can’t afford to ignore this great offer from HSBC. There are very few cards that offer no annual fee for the whole term of the credit card, this is not just an introductory offer. Those people that always pay their credit card in full each month will reap the benefits, by effectively having a totally cost free credit card. As a rule credit card annual fees tend to increase from year to year, but you can relax knowing that your card won’t be affected.
Information required for an HSBC Credit Card application
Applications can be made online through the HSBC secure website. The form takes approximately 10 to 15 minutes to complete, and you need the information below to complete your application:
- Your personal details, including your driver’s license number
- Your contact details, including your email address
- Your employment details, including time in current employment
- Your financial details, including income and expenditure
If you get interrupted whilst filling out your form and more than 20 minutes elapses, you will be automatically timed out of the website, by the site’s security system, and you will lose any information that you have input. Once submitted, your application can take between 5 to 10 days to be processed.
Criteria for HSBC Credit Card
Your application for an HSBC Credit Card needs to satisfy the following criteria:
- You have to be 18 years of age or over
- You have to possess a good credit rating
- You have to be a permanent resident of Australia
- You have to be earning at least $20,000 p.a. pre-tax
You might also want to consider the below $0 Annual Fee Credit Cards:
Read the official terms and conditions
| Minimum Income | $20,000 | Minimum Age | 18 years of age |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $1,000 | Max Credit Limit |
| Annual Fee | Balance Transfer Fee | 2% | |
| Minimum Repayment | 3% | Interest Charged From | Purchase Date |
| Late Payment Fee | $30 | Over Limit Fee | $30 |
| Overseas Emergency Replacement | $200 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $0 | Foreign Currency Conversion Fee | 3% |
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