HSBC Australia Credit Cards
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 Offer
HSBC Credit Card offers a low interest rate on balance transfers with a low ongoing purchase rate. Plus no annual fee for the life of the credit card.
- $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.
- 55 days interest free
- Minimum Income Requirement of $20,000 p.a.
HSBC Credit Cards
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 p.a. 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 $129 p.a. with an interest rate of 19.99% p.a. per annum.
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: the HSBC Credit Card , HSBC Classic Credit Card, HSBC Platinum Credit Card, HSBC Platinum Qantas Credit Card, and the HSBC Premier World MasterCard. 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.
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Credit card offers:
Learn about our information service| HSBC Credit Card | Bankwest Zero Platinum Credit Card | Virgin Flyer Credit Card | ANZ Low Rate |
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0% p.a. for 6 months on balance transfers & no annual fee |
0% p.a. for 9 months on balance transfers & platinum benefits |
0% p.a. for 8 months |
0% p.a. for 9 months on balance transfers & low rate |
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Do you offer credit cards to people with a discharged bankruptcy? I was discharged in 2010 and am looking to repair my credit rating.
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.
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
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
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.
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.
Hi Sanjay. Please speak to the bank directly. This page will tell you how to do it. Jacob.
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 ?
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.