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.

Featured HSBC Credit Card

With the HSBC Credit Card you can benefit from a very good balance transfer offer. This means you now have a chance to pay off your existing credit card debt by transferring your balance over to the new HSBC Credit Card.

• $0 annual fee
• 17.99% p.a. on purchases
• 0% p.a. for 8 months with 2% balance transfer fee on balance transfers
• Cash Advance Rate of 21.99% p.a.
• 55 days interest free
• Minimum Income Requirement of $20,000 p.a.
• Access to the Home & Away Privilege Program which gives you instant discounts on shopping, travel, accommodation and plenty more!

Read the HSBC Credit Card terms and conditions.

HSBC Credit Cards

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	HSBC Credit Card	A no annual fee for life offer with a low balance transfer rate.	17.99%	0% for 8 months with 2% balance transfer fee	$0	21.99%
	HSBC Platinum Qantas Credit Card	Apply now for the new HSBC Platinum Qantas Credit Card and receive a bonus 20,000 Qantas Frequent Flyer points	20.99%	0% for 6 months with 2% balance transfer fee	$199	21.99%
	HSBC Credit Card - Interest Free Purchases	Interest free purchases for up to 5 years at over 1,000 participating retailers across Australia. The card can be used for purchases ranging from $500 up to $50,000. Conditions apply.	17.99%	0% for 8 months with 2% balance transfer fee	$0	21.99%
	HSBC Platinum Credit Card	A powerful 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%	0% for 6 months with 2% balance transfer fee	$0 annual fee for the first year ($129 thereafter)	21.99%

• HSBC Overlimit & Late Payment Fees

Table of Contents: Guide to HSBC Australian Credit Cards

• HSBC Bank Overview
• HSBC 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 annual fee is waived for the first year and one additional card is provided free of charge.
• HSBC Gold Credit Card - This Gold card has gold level rewards and benefits with a low annual fee of just $89. The interest rate on purchases is 19.99% p.a. per annum.
• 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 annual fee for the first year ($129 thereafter) 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 Gold Credit Card, HSBC Platinum Credit Card, HSBC Premier Platinum Credit Card, and the HSBC American Express Gold. 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 life with the HSBC Credit Card.

HSBC Holdings has its headquarters in London. The HSBC group serves 3 million customers worldwide from around 8,500 offices in 86 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. It has massive assets of US$2,422 billion as of 30 June 2009, 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, and only the HSBC American Express Gold card charges a fee for their rewards program, or indeed a fee for additional cards.

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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• HSBC Credit Cards FAQ
  

  This FAQ will let you know which HSBC credit cards are for you. Whether you are looking to transfer existing balances, lower your interest rate or earn perks, HSBC has a credit card for you.

• HSBC Frequent Flyer Credit Card
  

  Review of the HSBC Platinum Qantas Frequent Flyer Credit Card The latest addition to the Australian credit card market has seen the launch of the HSBC Platinum Qantas Credit Card. As the name inclines, this card gives you some cool rewards points you can use for your next trip. Interest Rates, Fees & Charges Balance [...]

• HSBC Platinum Qantas Credit Card
  

  If you’re a regular credit card user and like the idea of being treated to a plethora of extras, you’re going to love the HSBC Platinum Qantas Credit Card. Low rates, free insurances, and your own personal concierge service puts this card firmly near the top of the premium credit card tree.

• 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 & 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
  

  The brand new credit card from HSBC features a $0 annual fee for the life of the credit card. On top of this, you can take advantage of the 0% p.a. for 8 months with 2% balance transfer fee 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!)

• HSBC Gold Visa Credit Card – Details & Application
  

  The HSBC Gold Visa Credit Card is a new unique installment to the HSBC credit card range.

  
  

  Any credit card which offers both an introductory no annual fee offer and a rewards program is of valuable interest, and the HSBC Gold happens to offer both along with other complimentary benefits.

• HSBC Credit Card
  

  Appreciate why having an HSBC Credit Card can reduce your credit card costs to zero. Check out the other great features of the card, including an introductory balance transfer rate.

Popular Credit Card Offers

			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Platinum Credit Card	A unique platinum credit card offer with a low balance transfer and purchases rate.	0% p.a. for 6 months (reverts to 19.39% p.a.)	0% for 6 months	$0 annual fee for the first year ($0 thereafter)	20.99%	E-mail me this offer
	HSBC Credit Card	A 0% balance transfer, $0 annual fee for life credit card.	17.99% p.a.	0% for 8 months with 2% balance transfer fee	$0	21.99%	E-mail me this offer
	Westpac Low Rate Card	A low rate on purchases, balance transfer and a $0 annual fee.	1.9% p.a. for 9 months (reverts to 13.49% p.a.)	3.99% for 6 months	$45 annual fee for the first year ($0 thereafter)	21.49%	E-mail me this offer
	Citibank Rewards Credit Card - Platinum Card	An extended 15 month balance transfer offer with 20,000 bonus reward points.	20.99% p.a.	0.9% for 15 months	$199	21.74%	E-mail me this offer
	Bankwest Breeze MasterCard	Low ongoing purchase rate from Bankwest, with an introductory purchase rate credit card.	0% p.a. for 6 months (reverts to 10.99% p.a.)	4.99% for 9 months	$49	21.99%	E-mail me this offer