HSBC Credit Cards

HSBC Australia

HSBC, The HongKong and Shanghai Banking Corporation, offer a range of credit cards and their high interest savings account for online application.

HSBC Credit Card

HSBC Credit Card Offer

The HSBC Credit Card offers one of the lowest interest balance transfer offers in the market, with the benefit of never having to pay an annual fee. You can also benefit from gaining access to the HSBC Home&Away rewards program giving you discounts on holidays, shopping, travel and more.

  • $0 p.a. annual fee
  • 17.99% p.a. on purchases
  • 0% p.a. for 6 months on balance transfers
  • Cash Advance Rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $20,000 p.a.

HSBC Credit Cards

Rates last updated October 23rd, 2014

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the credit card. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn 10,000 reward points with high credit limits, prestige services including a personal concierge service. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
The HSBC Platinum Qantas Credit Card offers a strong earn rate. You could also receive a bonus 20,000 Qantas Points. 19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Go to site More info

HSBC Savings Accounts

Rates last updated October 23rd, 2014

Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit
HSBC Day to Day Transaction Account
HSBC Day to Day Transaction Account
Pay no ATM fee if you withdraw funds from over 3,000 HSBC, BankSA, Westpac, and Bank of Melbourne ATMs 0.50% 0.50% 0.00% $0 $0 / $0 Open More
HSBC Serious Saver
HSBC Serious Saver
Earn high interest with HSBC Serious Saver Account 4.00% 2.70% 1.30% $0 $0 / $0 Open More
HSBC Flexi Saver Account
HSBC Flexi Saver Account
A flexible savings account with online and branch access to your funds. Loyalty bonus when you make the minimum monthly deposit. 3.50% 2.50% 1.00% $0 $0 / $0 Open More

Table of Contents: Guide to HSBC Australian Credit Cards

HSBC Bank Overview

HSBC began as the Hong Kong and Shanghai Limited. While the intention was to assist in China to Europe commerce they soon move into the Australian market and made a name for themselves here. HSBC continues to deliver top quality banking and financial products to Australians which is a good indication that they are with us to stay.

HSBC is a popular bank in Australia, so popular that you might not realise it actually started in 1865 as the Hong Kong and Shanghai Limited. The original aim of the company was to provide financial strategies for the commerce between China and Europe. It has grown a great deal since then with one of its’ major subsidiaries being HSBC Bank Australia Limited.

HSBC in Australia began in 1965 with the establishment of the HSBC Finance Company Limited. In 1981 they added the HSBC Asset Limited and was given authority to be a real bank in 1986. This was the first time that the Australian government gave a foreign bank permission to establish a bank here. At that same time they also began offering commercial financial services. Within five years that had begun adding trade services and in 1995 they began offering home loans and consolidated consumers statements. The next year they were able to offer an ATM/EFTPOS card to clients.

In the late 1990′s HSBC added some of the cornerstones of modern banking including credit cards, telephone banking, financial planning services and becoming a global banking brand. They have been rewarded for their pioneering efforts and banking achievements with success and rewards including winning the prestigious Best Foreign Bank award.

In 2001 HSBC acquired the NRMA Building Society Limited. At the same time they opened branches in Maroubra, North Ryde, and Bondi Junctions. In a move toward advancing themselves in the modern world of the Internet the launched a personal online banking site in 2001. They were innovators again the next year when they launched the DocumentExpress service which won an award for the best new product of 2002.

Again in 2003 HSBC continued to grow in branches and in scope of products. They won awards for the Best New Product for their Cash Management Account and for Best Website for www.hsbc.com.au.

More important then winning awards HSBC has established itself within the community through charitable works. Their partnered with the Royal Botanic Gardens and the Hawthorne Football Club to create the Towards Sustainable Horticulture Environmental Program as a way of giving back to Australia.

Other products offered by HSBC include Term Deposits, Debtor Financing, Corporate banking through HSBCnet, and second factor authentication services for retailers. They are also credit card providers offering a wide range of cards targeted to almost any financial situation. The rewards program they created, called Home & Away is one of the best in the business. It provided customers with access to discounts and special offers here in Australia and while travelling abroad.

HSBC Credit Cards

  • HSBC Credit Card - This card has a purchase interest rate of 17.99% p.a. per annum and 55 interest free days. The $0 annual fee applies to the standard HSBC Credit Card only and only applies while you remain an HSBC Credit Card customer.
  • HSBC Platinum Credit Card - With a Platinum credit card you expect and get top level rewards including personal concierge service and an unlimited rewards program. The annual fee for this card is $0 p.a. with an interest rate of 19.99% p.a.

HSBC also offers many other banking services. They have an excellent Internet banking system that gives customers flexibility in when and where they do their banking. They can do direct payments and credit to their accounts as well as get counseling about payment decisions on the website. There is also account information and international trade services available at the click of a mouse. All information held on line is up to the minute, allowing customers to see and deal with their accounts in real time.

Businesses will also find that HSBC provides plenty of services to meet their needs. They offer business insurances that are top quality protection from any of the unfortunate circumstances businesses sometimes face. They also have international trade options that help consumers whose businesses work on the world stage by providing import and export assistance, risk reduction, and e-Services.

With all of these services available it is easy to see why HSBC has become one of the most trusted banks in Australia. Not only can they provide local service that caters to the needs of Australians, but also international expertise and availability to help businesses and people alike in all of their financial exploits.

Get to know the HSBC credit card range, and find out how you can carry one of the most respected credit cards in the world.

HSBC credit cards should be one of the first options you explore when choosing a new credit card. Your options include:

 

All types of customer are catered for, and there are some great interest rates and balance transfer deals available, not to mention a zero annual fee for the life of the credit card with the HSBC Credit Card.

HSBC Holdings has its headquarters in London. The HSBC group serves 3 million customers worldwide from around 6,900 offices in 84 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. It has massive assets of US$2,652 billion as of 30 June 2012, making it one of the world’s largest banking and financial services organisations.

In Australia, the HSBC Group offers a wide range of financial services through a network of 35 branches and offices. This includes personal banking, financial planning and consumer finance, as well as commercial, corporate and institutional banking, payments and cash management, trade and export finance, treasury and financial markets, project finance, corporate finance and securities custody.In Australia, HSBC credit cards offer the customer a great choice, whether you are looking for low interest rates, low fees, balance transfer deals, or the extra benefits that accompany the more prestigious gold and platinum credit cards. All but the HSBC Credit Card offer rewards programs.

Whichever HSBC credit card you select, you can be assured that you have a mammoth organisation behind you that will be constantly striving to stay ahead of the game and offer the best deals on the market.

Start an HSBC credit card comparison

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  • HSBC Platinum Qantas Credit Card

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  • HSBC Credit Card Rewards Program

    The HSBC credit card rewards program gives you lots of bang for your buck. You are able to earn points on a one point to one dollar ratio that can be used for a vast array of rewards. Owners of this card can even earn extra points by doing business with the HSBC bonus partners.

  • HSBC Platinum Credit Card – Review and Application

    If you want a prestigious card with valuable benefits you should consider the HSBC Platinum credit card. This card offers rewards and benefits suited to the platinum lifestyle. It even comes with a low annual fee, adding more value to the already excellent perks of ownership.

  • HSBC Balance Transfer

    The HSBC Credit Card offers no annual fee as well as the opportunity for you to transfer your existing credit card balance for a low interest rate.

  • HSBC Internet Banking: Online Banking With HSBC

    For those of you who enjoy the convenience of internet banking, you may like to consider HSBC internet banking. HSBC has become a popular choice amongst customers for internet banking as it is very secure, safe, fast and efficient. Read on to find out more.

  • HSBC Rewards Plus

    Read our overview of the HSBC Rewards Plus rewards program to find out more about some of the perks available for you.

  • HSBC Credit Card: $0 Annual Fee – Details & Application

    The brand new credit card from HSBC features a $0 p.a. annual fee for the life of the credit card. On top of this, you can take advantage of the 0% p.a. for 6 months balance transfer offer on the card. Oh, and let’s not forget the Home & Away privilege rewards program which gives you access to instant discounts on shopping, travel & accommodation. (amongst other things!)



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29 Responses to HSBC Credit Cards

  1. Default Gravatar
    steve | August 26, 2014

    Hi
    Does HSBC do refinancing on housing loans.?

    • Staff
      Shirley | August 27, 2014

      Hi Steve,

      Thanks for your question.

      Yes it possible to refinance your home loan with HSBC. Please see this page for more information.

      Cheers,
      Shirley

  2. Default Gravatar
    jason | July 2, 2014

    balance transfer rate for existing customers

    • Staff
      Shirley | July 3, 2014

      Hi Jason,

      Thanks for your question.

      Generally balance transfers are offered to new customers. You can compare balance transfers card on this page.

      Cheers,
      Shirley

  3. Default Gravatar
    Katie | March 24, 2014

    I have been approved for a new HSBC credit card, and when I applied online I asked to do a balance transfer. I have received my card and activated it, but I haven’t received any communication from HSBC about the balance transfer yet. Do I wait to hear from them about it? I thought it would have been mentioned when I received my card in the mail 3 days ago. What’s the next step?
    Thanks.

    • Staff
      Jacob | March 25, 2014

      Hi, Katie.

      The balance transfer is automatic and you don’t need to contact the bank to start the process. Give it up to a week to ten days for the funds to clear in your account.

      Thanks for your question.

  4. Default Gravatar
    S | February 20, 2014

    Sir, I have applied for HSBC Credit Card, how can I Know my HSBC Credit Card status?

    • Staff
      Jacob | February 20, 2014

      Hi, S.

      Thanks for getting in touch with us.

      We have a page that answers your question about how to check on your credit card application status. You can have a look at what you need to do here.

      I hope this helps. Please let us know if you have any further questions.

  5. Default Gravatar
    keshav | January 22, 2014

    Applied for credit card but I don’t know status.

    • Staff
      Marc | January 23, 2014

      Hello Keshav,
      thanks for the question.

      Your best bet is to contact HSBC directly and request to find out the status of your application. They’ll be able to tell you up-to-date information about what stage the application is at, and whether or not there’s any further information you should supply.

      I hope this helps,
      Marc.

  6. Default Gravatar
    Marina | January 8, 2014

    Hello. I very recently applied for a HSBC credit card (on line offer) and have been approved, only to find out, much to my disappointment, that there is no branch close to where i live or work for making repayments. I called the 132152 number to have this clarified. So, cancelled the application.

    Do you have a facility for making transactions at Australia Post?

    • Staff
      Jacob | January 9, 2014

      Hi, Marina.

      Thanks for your question.

      You can pay your HSBC credit card at an Australia Post outlet. You can make cash or EFTPOS payments over the counter and make cheque payments over the counter. Please allow one business day for EFTPOS payments and up to five business days for cheque payments.

      I hope this helps.

  7. Default Gravatar
    Kay | October 18, 2013

    I would like to know what the “eligible” purchase is to earn the 35000 bonus points.

  8. Default Gravatar
    karl | September 26, 2013

    How do i get a credit limit increase from $5,000 to $7,000?

    • Staff
      Jacob | September 26, 2013

      Hi Karl.

      Thanks for getting in touch with us.

      This can be done easily enough. Please contact HSBC over the phone to request a credit limit increase. You can also do this through your internet banking facility, there should be an option to increase your credit limit once you’ve logged in.

      Thanks for your question and let us know if you need further information.

  9. Default Gravatar
    Jill | June 15, 2013

    I already have a current HSBC cc – and would have an excellent cc rating as I have now successfully paid off a previous transfer amount and the balance is back to 0 end of this month. Can transfer another small balance from another card without having to reapply for another card with HSBC?

    • Staff
      Jacob | June 17, 2013

      Hi Jill. Thanks for your question. If you want the promotional balance transfer rate you see on our website, this is for new customers who are electing to transfer a balance at the time of applying for the card. You can transfer a balance from a non-HSBC credit card to an existing HSBC credit card by filling out a balance transfer request form – it can be found online – but you will receive a different rate than the balance transfer promotional rate you see on our site. You can compare balance transfer credit cards here. Hope this helps. Jacob.

  10. Default Gravatar
    Samiyulla | May 23, 2013

    I have applied HSBC credit card but I am not received the card.

  11. Default Gravatar
    George | April 29, 2013

    can i request to change the statement/ billing cycle to suit my needs ? EG i get paid on the 15th of the month, can the due date be changed to the 20Th ?

    • Staff
      Jacob | April 29, 2013

      Hi George. Thanks for your question. You can do this; however, you will have to wait for the first couple of statement periods to pass. Please contact a HSBC customer service representative for further information. Jacob.

  12. Default Gravatar
    Sanjay | April 23, 2013

    Sir i have applied for credit card on dated 7.3.2013 but till today i have not received the card as your sms that i will receive the card with in 8 days after the message. pl send the card to me at my given address.

    • Staff
      Jacob | April 24, 2013

      Hi Sanjay. Please speak to the bank directly. This page will tell you how to do it. Jacob.

  13. Default Gravatar
    Peter | March 20, 2013

    0%p.a. for 6 months balance transfer Visa with $0 annual fee. Are there any fees at all involving the balance transfer such as a percentage of the transfer amount being charged

    • Staff
      Jacob | March 21, 2013

      Hi Peter. There are no hidden fees. When you carry out a balance transfer, the only fees you will pay are the cards annual fee and the balance transfer rate of interest. You will need to pay the minimum mon

    • Staff
      Jacob | March 21, 2013

      Hi Peter. There are no hidden fees. When you carry out a balance transfer, the only fees you will pay are the cards annual fee and the balance transfer rate of interest. You will need to pay the minimum monthly repayment, which is 3% of the total balance. Currently, there is no balance transfer fee. Thanks.

  14. Default Gravatar
    Kelly | February 25, 2013

    Do you offer credit cards to people with a discharged bankruptcy? I was discharged in 2010 and am looking to repair my credit rating.

    • Staff
      Marc | February 26, 2013

      Hello Kelly,
      thanks for the question.

      There are many organisations which offer credit cards to those with a discharged bankruptcy. These options can include secured credit cards, which are more accessible than regular credit cards but come with certain conditions. This page might be helpful in showing some possible ways of repairing credit ratings, and the different options that may be available.

      This page explains other tips which may help fix a bad credit file after bankruptcy, and may also be of some help.

      I hope this helps,
      Marc.

Credit Cards Comparison

Rates last updated October 23rd, 2014
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
$0 annual fee credit card with a long term balance transfer offer. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the credit card. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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