HSBC Credit Cards

hsbcprovider-logo250x250

Balance transfers, low fees and premium rewards. Learn about credit cards from HSBC, an award winning international bank

There are over 100 million HSBC customers in almost 100 different countries, so they are sure to speak your language if you want value from your credit card. Recent years have seen HSBC take a swathe of awards for best transactor credit card and best online banking system.

HSBC credit cards are simple to use and packed with features. They offer credit cards that can save you money, or credit cards that give you the best in VIP treatment. Read our page on HSBC credit cards and compare their products to find out why the industry has awarded HSBC top marks for their credit cards and banking services.

HSBC Awards

Some of the awards HSBC have received in recent years include:

  • Best Internet banking Initiative of the Year: 2014 Asian Banker International Excellence in Retail Financial Services Awards
  • Best Transactor Credit Card: 2012 Money Magazine Best of the Best Awards
  • Best Transactor Credit Card: 2011 Money Magazine Best of the Best Awards
  • Banking Website Online Offering of the Year: Australian Banking & Finance Awards
  • Best Consumer Internet Bank: 2006 Global Finance Awards

HSBC Platinum Credit Card

HSBC Credit Card Offer

The HSBC Platinum Card offers a low interest balance transfer rate and platinum privileges without 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
  • 19.99% p.a. on purchases
  • 0% p.a. for 8 months on balance transfers
  • Cash Advance Rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $40,000 p.a.

A comparison of HSBC Credit Cards

Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Enjoy no annual fee for the life of the card, with high credit limits and 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 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 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 Premier World MasterCard
HSBC Premier World MasterCard
Choice of 2 Rewards Programs - HSBC Rewards Plus or HSBC Qantas Rewards. Plus a low balance transfer offer. 19.99% p.a. 5.99% p.a. for 6 months $0 p.a. 21.99% p.a. More info

Compare a range of HSBC Savings Accounts

Rates last updated May 25th, 2015
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
Pay no ATM fee if you withdraw funds from over 3,000 HSBC, BankSA, Westpac, and Bank of Melbourne ATMs
0.00% 0.00% 0.00% $0 $0 / $0 Open More
HSBC Serious Saver
Earn 2.75% p.a. variable interest rate for the first 4 months when you don't make a withdrawal. Applies on balances up to $1,000,000.
2.75% 2.10% 0.65% $0 $0 / $0 Open More
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.
2.50% 2.00% 0.50% $0 $0 / $0 Open More

Back to top

Types of Credit cards to compare from HSBC

If you want value for money, or a credit card that gives you a truly rewarding experience, you can compare your credit card options from HSBC.

The HSBC Credit Card is a leading product in the no annual fee category. They offer balance transfers promotional periods on other credit cards that can deliver further savings, too. HSBC has a strong presence in the premium end of the credit card market, with a range of platinum products to choose from. One such card gives you enrollment to the HSBC Rewards Plus Program, while the other platinum credit card lets you earn Qantas Points when you spend. The Premier World MasterCard rounds out their suit of products. This card is a step above platinum and delivers VIP treatment when you shop and when you play worldwide.

  • No Annual Fee Cards
    The HSBC Credit Card is an award-winning product. Money Magazine have recognised this product two years running in their ‘Best of the Best’ awards. People who pay their balance off at the end of the month will find a lot to like about this card. Save money with interest-free days, a balance transfer offer, no annual fee and special deals and discounts through the HSBC Home&Away Privilege Program.

Rates last updated May 25th, 2015
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 life, 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
Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
HSBC Platinum Credit Card
No annual fee for the life of the card. Earn points on everyday purchases and a balance transfer offer. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
A no annual fee card with long term balance transfer offer. 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
Exclusive Offer to finder.com.au
No annual fee for the first year (and subsequent years) if you spend over $10,000 per annum. Platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
No annual fee with a long term balance transfer offer together with complimentary purchase insurance and Citibank Dining Program. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of the no annual fee offer. Earn 1.000 Qantas Frequent Flyer point per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
A no annual fee for the life of the credit card offer. Plus a low balance transfer offer. Also offers interest free finance at over 1,000 retailers across Australia. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
Earn Velocity points without paying an annual fee. 7,500 Velocity bonus points when you spend $300 in the first 3 months. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
No annual fee for the first year, a 10,000 bonus points offer and a complimentary return domestic flight every year. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Go to site More info
BoQ Blue Visa Card
BoQ Blue Visa Card
Receive a balance transfer offer with a low annual fee. 20.74% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) 21.74% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Bankwest Zero Platinum MasterCard
Complimentary travel insurance & 24/7 Concierge service and $0 Foreign Transaction fees. Plus enjoy a $0 annual fee. 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
Get 50,000 Qantas Points after you spend $3,000 on purchases within the first 3 months. Plus earn up to 1.00 Qantas Points per $1 spent on purchases. 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) 21.49% p.a. Go to site More info
Westpac 55 Day Credit Card - Exclusive Offer
Westpac 55 Day Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au
A low interest rate offer on balance transfers with $30 p.a. annual fee.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.29% p.a. Go to site More info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
A low annual fee credit card with overseas travel and medical insurance. 19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
Woolworths Money Everyday Platinum Credit Card
Earn up to 3.00 rewards points per $1 spend with uncapped earning potential. 19.99% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) 21.99% p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Earn up to 50,000 Qantas points when you meet the minimum spend requirement and no annual fee in the first year. Conditions and minimum spend apply. 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 21.49% p.a. Go to site More info
28 Degrees Platinum MasterCard
28 Degrees Platinum MasterCard
No annual fee, up to 55 days interest free on purchases and no foreign transaction fees. 20.99% p.a. $0 p.a. 20.99% p.a. Go to site More info
Citibank Ready Credit - Fixed Payment Option
Citibank Ready Credit - Fixed Payment Option
A special introductory Fixed Payment Option from rate for months, plus no annual fee.
*establishment fee of $99
8.99% p.a. for 48 months (reverts to 19.49% p.a.) $0 p.a. 19.49% p.a. Go to site More info
ANZ First Student Card Offer
ANZ First Student Card Offer
A great card for students, with a no annual fee offer for the first year. 19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.49% p.a. Go to site More info
Citibank ReadyCredit
Citibank ReadyCredit
A long term balance transfer offer of 5.9% p.a. for 24 months with no annual fee. 19.49% p.a. 5.9% p.a. for 24 months $0 p.a. 19.49% p.a. Go to site More info
Learn more about No Annual Fee Credit Cards

  • Platinum & Rewards Credit Cards
    Platinum credit cards give you rewards, insurance, a personal concierge service and special deals at businesses in Australia and around the world. HSBC offer two platinum products: The HSBC Platinum Credit Card and the HSBC Platinum Qantas Frequent Flyer Credit Card. The main difference between these two cards is the rewards program.

    Frequent Flyers may find the prospect of earning Qantas Points a more lucrative offering, while the HSBC Rewards Plus Program offers hundreds of ways to use your HSBC Rewards Points. You can also transfer your HSBC Rewards Points to selected frequent flyer programs.

Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 20,000 Bonus Qantas Points on their Frequent Flyer program plus a balance transfer offer. 19.99% p.a. 0% p.a. for 6 months $199 p.a. VISA/MC: 1 AMEX: 0 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. VISA/MC: 1 AMEX: 0 Go to site More info
Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
HSBC Platinum Credit Card
A $0 annual fee for life with the Platinum benefits, saving $129 a year 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
A great balance transfer offer, plus earn 1.250 Citibank reward points on per $1 spent for all domestic purchases. 20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee. 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
Exclusive Offer to finder.com.au
No annual fee for the first year (and subsequent years) if you spend over $10,000 per annum. Platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 bonus Velocity Points in first 3 months and a low 0% p.a. for 16 months on balance transfers. Get reduced Virgin flights offer up to 4 times a year. 20.74% p.a. 0% p.a. for 16 months $129 p.a. 20.99% p.a. Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
Zero foreign transaction fee rewards card with a 9 months offer on balance transfer and bonus reward points. 19.99% p.a. 2.99% p.a. for 9 months $130 p.a. 21.99% p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points and $ Annual Fee for the . Also receive a complimentary Virgin Australia domestic economy return flight every year. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
Receive a complimentary Qantas domestic flight each year and earn up to 50,000 Qantas Points when you sign up. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Apply for the new HSBC Platinum Qantas Credit Card and 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
Woolworths Money Everyday Platinum Credit Card
Woolworths Money Everyday Platinum Credit Card
No annual fee offer in the first year, a balance transfer offer and uncapped earning potential with Everyday Money Reward Points. 19.99% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) 21.99% p.a. Go to site More info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
A low interest rate on balance transfers with a low annual fee. Overseas travel and medical insurance. 19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Bankwest Breeze Platinum MasterCard - Exclusive Offer
Bankwest Breeze Platinum MasterCard - Exclusive Offer
Exclusive Offer to finder.com.au
A low interest rate offer of 0% p.a. for 13 months on purchases.
0% p.a. for 13 months (reverts to 12.99% p.a.) $99 p.a. 21.99% p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Earn rate of 1.25 Velocity uncapped Points per $1 spent. 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) 20.99% p.a. Go to site More info
NAB Premium Card
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate balance transfer offer. 19.74% p.a. 0% p.a. for 15 months $90 p.a. 21.74% p.a. Go to site More info
ANZ Rewards Platinum
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also offering 50,000 Reward Points when you meet the minimum spend of $3,000 in the first three months and pay no annual fee for the first year. 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) 20.99% p.a. Go to site More info
Woolworths Money Qantas Platinum Credit Card
Woolworths Money Qantas Platinum Credit Card
Earn 1.000 Qantas Points on purchases and get complimentary purchase insurance. 20.49% p.a. 0% p.a. for 9 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) 21.99% p.a. Go to site More info
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Enjoy a low purchase and balance transfer offer with reduced annual fee for the first year and concierge service. 0% p.a. for 9 months (reverts to 13.99% p.a.) 0% p.a. for 9 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Go to site More info
Citibank Qantas Signature Credit Card
Citibank Qantas Signature Credit Card
50,000 bonus Qantas Points offer and a range of complimentary insurances and platinum privileges. 20.99% p.a. 0% p.a. for 6 months $299 p.a. 21.74% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
ANZ Low Rate Platinum Credit Card
Platinum card perks with a low ongoing interest rate. 13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest free period on both purchases and balance transfers. 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. 20.99% p.a. Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
A great purchase rate and balance transfer offer plus complimentary insurances. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. 20.74% p.a. Go to site More info
Citibank Rewards Credit Card - Signature
Citibank Rewards Credit Card - Signature
Get a range of platinum extras and 60,000 bonus points with this credit card 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. 21.74% p.a. Go to site More info
St.George Amplify Signature
St.George Amplify Signature
Receive St.George's highest uncapped points earn rate and double points on international spend 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. 20.74% p.a. Go to site More info
BoQ Platinum Visa Card
BoQ Platinum Visa Card
A great balance transfer offer with a $49 p.a. annual fee for the first year. 20.74% p.a. 0% p.a. for 14 months $49 p.a. annual fee for the first year ($199 p.a. thereafter) 21.74% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
Earn 1.50 points per $1 spent on eligible purchases. Plus enjoy a low balance transfer offer. 19.99% p.a. 0% p.a. for 15 months $250 p.a. 21.74% p.a. Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
Earn up to 1.50 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points when you spend $3,000 on purchases within the first 3 months and no annual fee offer in the first year. Conditions & minimum spend apply. Includes extended warranty, overseas travel and medical insurance, 90 day purchase security insurance, and access to Visa Platinum Concierge. 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) 21.49% p.a. Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
Low interest rate offer on purchases and balance transfers. Redeem Altitude points for flights on any of the world's major airlines including free insurance and travel benefits. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $150 p.a. 21.24% p.a. Go to site More info
American Express Platinum Card
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you spend $500 on your card. Transfer your points to other major airline frequent flyer programs. $1,200 p.a. Go to site More info
David Jones American Express Platinum Card
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend. 20.74% p.a. $295 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
The flagship card from the new American Express Velocity range. 1.000 points per $1 spent. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Velocity Business Card
American Express Velocity Business Card
A truly dedicated business rewards credit card. Download all your card expenses in a format readable by Quicken, MYOB, Microsoft Excel and more, helping you simplify your quarterly BAS reporting. $249 p.a. Go to site More info
Learn more about Platinum Credit Cards
Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
ANZ Rewards Platinum
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points when you meet the minimum spend of $3,000 in the first three months and pay no annual fee for the first year. 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) VISA/MC: 1.5 AMEX: 3 Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with a low balance transfer offer of 0.99% p.a. for 6 months. Earn 1.00 Qantas Point per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Citibank Qantas Signature Credit Card
Citibank Qantas Signature Credit Card
Receive 50,000 bonus Qantas Points when you apply by 31 December 2015. Plus earn 1.000 Qantas Point per $1 spent on eligible purchases. 20.99% p.a. 0% p.a. for 6 months $299 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 20,000 Bonus Qantas Points Plus earn 2 points for international purchases including online spend. Including a low balance transfer offer of 0% p.a. for 6 months. 19.99% p.a. 0% p.a. for 6 months $199 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 bonus Velocity points in the first 3 months plus a low balance transfer offer of 0% p.a. for 16 months 20.74% p.a. 0% p.a. for 16 months $129 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
Get 50,000 Qantas Points after you spend $3,000 on purchases within the first 3 months and earn up to 1.00 points per $1 spent on purchases. 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) VISA/MC: 0.5 AMEX: 1 Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards bonus points and a complimentary Virgin Australia flight each year. Plus a low balance transfer offer of 0.99% p.a. for 6 months. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
20,000 bonus Velocity points and half annual fee offer for the first year. 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) VISA/MC: 1.25 AMEX: 0 Go to site More info
Bankwest More Classic MasterCard
Bankwest More Classic MasterCard
8,000 bonus More points offer and a long term balance transfer. 19.99% p.a. 2.99% p.a. for 9 months $70 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
Receive 7,500 Velocity bonus points when you spend $300 in the first 3 months, plus a $0 p.a. card fee. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
A low balance transfer offer of 0% p.a. for 8 months. Enjoy a no annual fee for the life of the card with high credit limits, prestige services including a personal concierge service and VISA Platinum rewards program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1.00 points per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
A low balance transfer offer of 0% p.a. for 15 months as well as 40,000 bonus Qantas Points. Ability to earn 1.50 points per $1 spent on eligible purchases. 19.99% p.a. 0% p.a. for 15 months $250 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
Bankwest Qantas Platinum MasterCard
Bankwest Qantas Platinum MasterCard
Bonus 50,000 Qantas Points when you apply online. Plus earn 0.750 Qantas Points for every $1 spent. 20.49% p.a. $160 p.a. VISA/MC: 0.75 AMEX: 0 Go to site More info
St.George Amplify Signature
St.George Amplify Signature
Earn 1.500 Qantas or Amplify Points per dollar spent on eligible purchases. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
Earn up to 1.50 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points when you spend $3,000 on purchases within the first 3 months and no annual fee offer in the first year. Conditions & minimum spend apply. 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) VISA/MC: 0.5 AMEX: 1.5 Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
Pay no annual fee for the first year and receive 50,000 Reward Points when you spend $3,000 on purchases within the first 3 months. Offer ends 30 June 2015. 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) VISA/MC: 2 AMEX: 3 Go to site More info
ANZ Rewards Credit Card
ANZ Rewards Credit Card
Apply for the ANZ Rewards Credit Card and get 50,000 Reward Points after you spend $3,000 on purchases within the first three months. Earn reward points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel. 18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) VISA/MC: 1.5 AMEX: 2 Go to site More info
Bankwest Qantas MasterCard
Bankwest Qantas MasterCard
20,000 Qantas points offer and earn 0.500 Qantas Point per $1 spent on eligible purchases. 20.49% p.a. $100 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
Choose between Amplify or Qantas rewards program. Uncapped points earning. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
Woolworths Money Everyday Platinum Credit Card
Woolworths Money Everyday Platinum Credit Card
Earn up to up to 3 points for every $1 spent on purchases Everyday Rewards points on your purchases. 19.99% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
Introductory 28,000 bonus points offer and a low interest rate on balance transfers. 19.99% p.a. 2.99% p.a. for 9 months $130 p.a. VISA/MC: 2 AMEX: 0 Go to site More info
Westpac Altitude Black
Westpac Altitude Black
Access a dedicated concierge & iPhone app, your own personal shopper and a range of complimentary travel and purchase insurances. Offers two reward programs which you can choose between Altitude or Qantas Rewards. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $395 p.a. VISA/MC: 1.25 AMEX: 3 Go to site More info
Woolworths Money Qantas Platinum Credit Card
Woolworths Money Qantas Platinum Credit Card
Earn Qantas Points on your everyday shop and pay a reduced annual fee for the first year. Includes access to special discounts with associated partners. 20.49% p.a. 0% p.a. for 9 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers. 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Earn up to 50,000 bonus Qantas Points when you meet the minimum spend requirement and no annual fee in the first year. Conditions and minimum spend apply. 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) VISA/MC: 0.75 AMEX: 1.5 Go to site More info
Citibank Rewards Credit Card - Signature
Citibank Rewards Credit Card - Signature
Get 60,000 reward points on your first eligible purchase. Convert them to Qantas Points. 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months with balance transfer fee and a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend. 20.99% p.a. 0% p.a. for 24 months $199 p.a. VISA/MC: 1.25 AMEX: 0 Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
Receive 20,000 bonus reward points and a complimentary insurance. 0% p.a. on balance transfers for 15 months. 19.99% p.a. 0% p.a. for 15 months $150 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
Bankwest More Gold MasterCard
Bankwest More Gold MasterCard
15,000 bonus points and a balance transfer offer of 2.99% p.a. for 9 months. 19.99% p.a. 2.99% p.a. for 9 months $120 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
Redeem Altitude points for flights on any of the world's major airlines including free insurance and travel benefits. Also a low purchase rate offer of 0% p.a. for 3 months and a long term balance transfer. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $150 p.a. VISA/MC: 1 AMEX: 2 Go to site More info
American Express Platinum Card
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you spend $500 on your card. You can transfer points to a choice of 9 leading airline rewards programs, including the Qantas Frequent Flyer program. $1,200 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Westpac Altitude Business Gold Credit Card
Westpac Altitude Business Gold Credit Card
A complimentary travel insurance, purchase cover and no annual fee for the first year. Also receive a low purchase rate offer of 0% p.a. for 12 months. 0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($150 p.a. thereafter) VISA/MC: 1 AMEX: 2 Go to site More info
Emirates Citibank World Card
Emirates Citibank World Card
Receive up to 40,000 bonus Skyward Miles and half price annual fee for the first year. 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Citibank Prestige Card
Citibank Prestige Card
Receive 70,000 bonus reward points on your first spend. Option to earn opt-in to the Qantas Rewards program and earn Qantas Points. 20.74% p.a. 0% p.a. for 6 months $700 p.a. 2 Go to site More info
David Jones American Express
David Jones American Express
Earn 30,000 Membership Rewards points or 22,500 Qantas Points when you spend outside of store 3 times in the first month. 20.74% p.a. $99 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Bank of Melbourne Amplify Classic - Amplify Rewards
Earn Amplify points on purchases to redeem for gift cards, appliances, events and experiences, travel through Amplify Travel. Plus a low purchase rate offer of 0% p.a. for 3 months. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $79 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
Learn more about Rewards Credit Cards

  • Premium Credit Cards
    The HSBC Premier World MasterCard goes one extra than the HSBC platinum range of credit cards. It’s the type of credit card that can help you secure personal styling at a leading fashion boutique or give you an afternoon to play 18 holes at some of the world’s most exclusive golf courses.This product gives you the choice of earning frequent flyer points with the HSBC Qantas Program or earning HSBC Rewards Points when you spend. Whichever program you choose, the points you earn when you spend are only a small part of the rewarding experience of this card.

Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 20,000 Bonus Qantas Points on their Frequent Flyer program plus a balance transfer offer. 19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Go to site More info
HSBC Premier World MasterCard
HSBC Premier World MasterCard
Earn 1.250 rewards points plus a comprehensive insurance package including travel and purchase protection insurance. 19.99% p.a. 5.99% p.a. for 6 months $0 p.a. 21.99% p.a. More info
Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
HSBC Platinum Credit Card
A platinum rewards credit card with high credit limits, prestige services including a personal concierge service, VISA Platinum golf, and the ability to earn rewards points. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer and a host of platinum privileges to enjoy. 20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with all the perks and a long term introductory interest rate on balance transfers. 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
Exclusive Offer to finder.com.au
No annual fee for the first year (and subsequent years) if you spend over $10,000 per annum. Platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 bonus Velocity Points in first 3 months plus enjoy a low 0% p.a. for 16 months on balance transfers. Reduced Virgin flights offer up to 4 times a year. 20.74% p.a. 0% p.a. for 16 months $129 p.a. 20.99% p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points. Also receive a complimentary Virgin Blue domestic economy return flight every year. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
28,000 bonus points and no foreign transaction fees on purchases. 19.99% p.a. 2.99% p.a. for 9 months $130 p.a. 21.99% p.a. Go to site More info
Woolworths Money Qantas Platinum Credit Card
Woolworths Money Qantas Platinum Credit Card
Concierge service, no points capping and 10,000 bonus Qantas Points to get you started. 20.49% p.a. 0% p.a. for 9 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) 21.99% p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Earn 1.000 points per spend on eligible overseas purchases and international retailers. Ability to receive 20,000 Bonus Qantas Frequent Flyer points on signup. 19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
ANZ Low Rate Platinum Credit Card
Platinum perks with a low interest rate on purchases. 13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Earn rate of 1.25 Velocity uncapped Points per $1 spent. 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) 20.99% p.a. Go to site More info
ANZ Rewards Platinum
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum. Also offering 50,000 Reward Points when you meet the minimum spend of $3,000 in the first three months and pay no annual fee for the first year. 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) 20.99% p.a. Go to site More info
Citibank Qantas Signature Credit Card
Citibank Qantas Signature Credit Card
Receive 50,000 bonus Qantas Points when you apply by 31 December 2015 and complimentary insurances. 20.99% p.a. 0% p.a. for 6 months $299 p.a. 21.74% p.a. Go to site More info
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Visa Concierge service and extended warranty insurance. Transfer your balance to a long term low interest offer. 0% p.a. for 9 months (reverts to 13.99% p.a.) 0% p.a. for 9 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1.00 points per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
Pay no annual fee for the first year and receive 50,000 Reward Points when you spend $3,000 on purchases within the first 3 months. Offer ends 30 June 2015. 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) 20.99% p.a. Go to site More info
NAB Premium Card
NAB Premium Card
Enjoy a low rate offer on balance transfers plus benefit from platinum credit card advantages including travel insurance, higher credit limits and VIP Lost card cover. 19.74% p.a. 0% p.a. for 15 months $90 p.a. 21.74% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest free offer on purchases and balance transfers. Earn Velocity Points on everyday spend. 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. 20.99% p.a. Go to site More info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
Overseas Travel and Medical Insurance, Domestic Interstate Flight Inconvenience Insurance, Extended Warranty and a best price guarantee. 19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
Introductory 20,000 bonus points offer and complimentary insurances plus 0% p.a. on balance transfers for 15 months. 19.99% p.a. 0% p.a. for 15 months $150 p.a. 21.74% p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
Woolworths Money Everyday Platinum Credit Card
An everyday platinum credit card with complimentary purchase security. Pay no annual fee for the first year. 19.99% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) 21.99% p.a. Go to site More info
28 Degrees Platinum MasterCard
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee. 20.99% p.a. $0 p.a. 20.99% p.a. Go to site More info
Bankwest Breeze Platinum MasterCard - Exclusive Offer
Bankwest Breeze Platinum MasterCard - Exclusive Offer
Exclusive Offer to finder.com.au
A low interest rate offer of 0% p.a. for 13 months on purchases.
0% p.a. for 13 months (reverts to 12.99% p.a.) $99 p.a. 21.99% p.a. Go to site More info
BoQ Platinum Visa Card
BoQ Platinum Visa Card
A great balance transfer offer with a $49 p.a. annual fee for the first year. 20.74% p.a. 0% p.a. for 14 months $49 p.a. annual fee for the first year ($199 p.a. thereafter) 21.74% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
Low balance transfer offer plus 40,000 bonus Qantas Points. Comes with a Visa and American Express card, both linked to one account and annual fee. 19.99% p.a. 0% p.a. for 15 months $250 p.a. 21.74% p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Bankwest Qantas Platinum MasterCard
Enjoy travel and accident insurance and payment protection. Plus earn 50,000 bonus Qantas Points. 20.49% p.a. $160 p.a. 21.99% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Bankwest Zero Platinum MasterCard
A $0 annual fee credit card from Bankwest with some great Platinum features. 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info
Westpac Altitude Black
Westpac Altitude Black
A premium card with access to a dedicated concierge, uncapped Altitude points earn and complimentary insurances. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $395 p.a. 21.24% p.a. Go to site More info
Citibank Rewards Credit Card - Signature
Citibank Rewards Credit Card - Signature
Receive 60,000 bonus points and access to a range of complimentary insurances. 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. 21.74% p.a. Go to site More info
American Express Platinum Card
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you spend $500 on your card. $1,200 p.a. Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
Earn up to 1.50 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points when you spend $3,000 on purchases within the first 3 months and no annual fee offer in the first year. Conditions & minimum spend apply. Includes extended warranty, overseas travel and medical insurance, 90 day purchase security insurance, and exclusive access to Visa Platinum Concierge. 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) 21.49% p.a. Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
Low interest rate offer on purchases and balance transfers. Redeem Altitude points for flights on any of the world's major airlines including free insurance and travel benefits. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $150 p.a. 21.24% p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
Earn 1.000 Velocity Points per $1 spent with the Virgin Australia group of Airlines. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
Choose between Amplify or Qantas Points rewards program and take up a great purchase and balance transfer offer. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. 20.74% p.a. Go to site More info
Emirates Citibank World Card
Emirates Citibank World Card
Receive up to 40,000 Skyward Miles and a low balance transfer offer. 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) 21.24% p.a. Go to site More info
David Jones American Express Platinum Card
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend. 20.74% p.a. $295 p.a. Go to site More info
Learn more about Premium Credit Cards

Back to top

The benefits of banking with HSBC

    • Visa & MasterCard

HSBC offers both Visas and MasterCards. For example, the HSBC Credit Card is a Visa while their Premier Card is a MasterCard. Both card schemes offer a number of benefits, including:

          • Protection from fraud. If you’re the victim of credit card fraud while using the Visa and MasterCard payment networks, online or over the counter, you’ll get a full reimbursement.
          • Worldwide access. Visa and MasterCard credit cards are accepted at millions merchants and ATMs all over the world. Just look for the relevant logo at the point of sale or ATM.
    • An award-winning online banking experience

As an HSBC customer, you can manage your account, view recent transactions and make payments through their online banking facility. The HSBC internet banking platform has been recognised by a number of different publications and institutions as a leading account management tool. This online facility provides customers with a fast and easy way to open new accounts online, including credit cards, savings accounts, transaction accounts and online share trading and foreign currency accounts anywhere in the world, 24 hours a day.

  • The Home&Away Privilege Program

As an HSBC cardholder, you get access to the HSBC Home&Away Privilege Program. This program gives you a range of discounts at shops, restaurants, and accommodation all over the world. You don’t need to do anything extra, you just need to have an HSBC credit card.

Back to top

How to apply for an HSBC credit card

There are some basic eligibility requirements if you want to apply for a HSBC credit card. For example, you must have a good credit history and you have to be over the age of 18. Unlike other credit card providing financial institutions, HSBC do offer credit cards to non-temporary residents, however, you may need to speak to a HSBC representative directly if you wish to apply as a non-resident.

Information needed for an HSBC credit card application

You can apply for an HSBC credit card online by clicking ‘Go to Site’ from any of the review pages or comparison tables on finder.com.au. You need the following information about yourself and your financial situation if you want to apply for an HBSC credit card.

  • Personal information. This includes your current home address and previous home address if you’ve recently moved.
  • Employer’s details. You will be asked to provide your employer’s contact details. If you’re self-employed you may also be asked to provide your accountant’s contact information.
  • Financial information. The online application requires you to detail your financial situation. This includes information about your income, expenses, assets and liabilities. Things like whether you have a mortgage, any dependent children, your savings and whether you get any income from assets like shares or property may be required.

Back to top

Frequently asked questions

How do I get my PIN and how do I change it?

When you apply for a HSBC credit card, your PIN will be issued with the card. Your PIN will arrive in a separate envelope for safety reasons. Once you activate your credit card, you can use the PIN to make purchases and withdraw cash.

If you want to change your PIN for any reason, you can do this by visiting a HSBC branch. It only takes a minute or two to complete the process of setting up a new PIN.

How do I get interest-free credit with HSBC?

HSBC have agreements with a number of merchants that may allow you to get extended interest-free finance. Get the items you want and pay back the balance over a period of six, nine or 12 months without paying any interest. You need to set up an interest-free finance agreement with the merchant if you want to make use of this feature.

Interest-free finance is different to the interest-free days feature on HSBC credit cards.

What’s the minimum repayment on my HSBC credit card?

If you’re carrying a balance on your HSBC credit card, there’s a minimum amount you need to pay back each month to stop your account from going into default. The minimum monthly repayment is a percentage of your total outstanding balance.

The minimum repayment is listed on our HSBC credit card review and application pages.

How do I apply for a HSBC balance transfer?

If you want to take advantage of the balance transfer promotion available with HSBC credit cards, generally, you need to be a new customer applying for the credit card.

You elect to transfer a balance from a non-HSBC credit card, store card or charge card within the online application. Enter the name of your financial institution, the amount you want to transfer and details of the account. If you’re approved for the credit card, you’re generally approved to transfer the balance to the account too.

A balance transfer is automatic. Once you activate the credit card, the balance will be automatically transferred by HSBC.

How much can I transfer to my HSBC credit card?

The maximum amount you can transfer to a HSBC credit card is based on your credit limit. HSBC allow you to use up to your available credit limit towards a balance transfer. For example, if you’re approved for a credit card with a limit of $10,000 you can transfer up to $10,000 from multiple other credit cards, store cards or charge cards.

How do I earn Qantas Points with my HSBC credit card?

If you want to get rewarded with Qantas Points when you spend on your HSBC credit card. Pick a product that’s linked to the Qantas frequent flyer program.

Points are awarded for eligible purchases only. Think of an eligible purchase as your everyday type of transaction, like paying for groceries or paying for petrol.

Cash transactions are ineligible to earn Qantas Points. A cash transaction is a transaction like a cash advance, paying a government or credit card fee or charge or using your credit card to pay for business expenses. Have a look at the terms and conditions for a specific list of transactions that are ineligible to earn Qantas Points.

What is the HSBC Home&Away Privilege Program?

Back to top

The Home&Away Privilege Program is provides special benefits to HSBC card holders. By becoming a HSBC card holder you get access to special discounts when you shop at HSBC program partners, discounts on accommodation and special deals at selected restaurants.

As the name suggests, these benefits extend to international as well as domestic merchants. The benefits of a HSBC credit card are available no matter where you are in the world. Enrollment in the HSBC Home&Away Privilege Program is automatic when you’re approved for a HSBC credit card.

Was this content helpful to you? No  Yes
Back to top
Read more on this topic

Ask a Question

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

43 Responses to HSBC Credit Cards

  1. Default Gravatar
    naz | May 7, 2015

    Hello do you do loans for people on centrelink and with a bad credit rating up to 5000

    • Staff
      Jonathan | May 8, 2015

      Hi Naz, thanks for your inquiry!

      Please refer to the following link for bad credit loans.

      Cheers,

      Jonathan

  2. Default Gravatar
    charmaine | May 5, 2015

    Have applied for a hsbc credit card. It said your application being processed and will contact in few days. Does this mean application was declined

    • Staff
      Jonathan | May 6, 2015

      Hi Charmaine, thanks for your inquiry!

      If an application is not instantly approved it can go to conditional approval status, referral or not approved. Please refer to the following link for information on checking on your credit card application.

      Cheers,

      Jonathan

  3. Default Gravatar
    Hilary | March 31, 2015

    HSBC credit card – is there any travel insurance included ?
    what does it cover ?
    I assume you have to purchase your flights/accommodation with this card ?

    any excess ?

    • Staff
      Jonathan | April 1, 2015

      Hi Hilary, thanks for your inquiry!

      Please see the following link for more information on which cards are included and the requirements with HSBC credit card insurance.

      Cheers,

      Jonathan

  4. Default Gravatar
    david | February 11, 2015

    Having applied for a HSBC Platinum Qantas Credit Card and having my application knocked back on the grounds that I do not have enough income, I find it hard to fathom why as I have a good credit record, own my own house, have a pension of $X per year, and over $X in shares and bank accounts with no debt at all. I have tried to contact the credit department at HSBC and have been brushed off every time with no success. I have to wonder what I have to do to get an answer? I am a pensioner and wonder whether it is my age that is the reason why I have no luck with this card (at the moment I do have a platinum card with another bank) and that has no debt on it, maybe they only want people with a large debt to make more money.

    • Staff
      Jonathan | February 11, 2015

      Hi David, thanks for your inquiry.

      Unfortunately we are not directly affiliated with HSBC as we are a comparison service. It would be best to directly contact HSBC in regards to your inquiry either through a local branch or contact departments. Please refer to the email I have sent you for their contact details and complaints resolution team.

      Kind Regards,

      Jonathan

  5. Default Gravatar
    Vivek | January 24, 2015

    i applied for HSBC credit card from chennai india.Please tell me how i will know the status

    • Staff
      Jonathan | January 27, 2015

      Hi Vivek,

      Thanks for your inquiry,

      You can check the status of a credit card application by contacting HSBC directly.

      I hope this helps,

      Jonathan

  6. Default Gravatar
    Martha | December 17, 2014

    Hi,
    I applied for a 0% 6 months balance transfer about 3 weeks ago. I then received my platinum credit card in the mail and I have activated it. I keep ringing to see when the balance transfer is going to go through. I was told to wait the 7-10 days waiting period. I rang again and was told the transfer is being processed. Now today I rang and I was told they could not find where I had applied. I am really confused about this as I received the credit care for $15,000.00 credit (which I really did not need)and now I am being told no balance transfer. In the meantime, I have had to pay the other credit card off because of the high interest. Gosh, I am so disappointed with HSBC and all the running around I have been given to find that no balance transfer coming.

    • Staff
      Elizabeth | December 18, 2014

      Hi Martha,

      Thanks for your question.

      If you applied for the balance transfer at the time of application, and you were bringing over a balance from non-HSBC card accounts, then your best option may be to contact HSBC and attempt to have the balance transfer approved. You might also see if they are able to offer you a way to organise a balance transfer of the card yourself.

      Another option you have is submitting a complaint directly to HSBC or the financial ombudsmen.

      I hope this has helped.

      Thanks,

      Elizabeth

  7. Default Gravatar
    PGK | December 17, 2014

    PAN NO.AXXXXXXXX

    DOB:01/1X/19XX

    STATUS OF CREDIT CARD APPLICATION STATUS PLEASE

    CELL NO.939XX XXXXX

    • Staff
      Elizabeth | December 17, 2014

      Hi PGK,

      Thanks for your question.

      Once you apply the applications are handled directly through HSBC, so you’ll need to get in contact with them to check on the status of your application. You can contact them on 1300 308 880.

      I hope this has helped.

      Thanks,

      Elizabeth

  8. 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

  9. 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

  10. 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.

Credit Cards Comparison

Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
A low annual fee and low interest rate offer on balance transfers. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low ongoing interest rate on purchases and balance transfers. 0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee. 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% 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
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% 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.

Ask a question
feedback