HSBC Credit Cards

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Learn about the benefits of banking with HSBC, an award winning international bank. HSBC offers balance transfers, low fees and premium rewards.

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 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 finest 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.

Sponsorship - HSBC Platinum Credit Card - Plat, Gold & Black - PE-17029

HSBC Credit Card Offer

The HSBC Platinum Credit Card comes with a promotional balance transfer offer, rewards points and the annual fee is refunded each year if you spend $6,000 on eligible purchases.

  • Enjoy 0% p.a. for the first 15 months on application for balance transfers (reverts to the variable cash advance rate).
  • $0 annual fee. Save $149 each year if you apply by 31 December 2016, are approved and reach a yearly spend $6,000 on eligible purchases.
  • Earn 1 Reward Point per $1 spent on eligible purchases.
  • Platinum cardholder benefits include Visa Platinum Concierge Service and a wide range of Complimentary Insurances.
  • Up to 55 days interest-free on purchase when you pay the full closing balance (including any balance transfer amount) by the statement due date.

    A comparison of HSBC Credit Cards

    Rates last updated December 10th, 2016.

    HSBC Platinum Qantas Credit Card

    Bonus points offer has been changed from 40,000 to 60,000 and extended until 31 December 2016.

    September 1st, 2016

    HSBC Credit Card

    $0 Annual fee for life + 0% for 6 months on balance transfers offer extended until 31 December 2016.

    September 1st, 2016

    HSBC Platinum Credit Card

    $0 annual fee + 0% for 15 months on balance transfers offer extended until 31 December 2016

    September 1st, 2016

    View latest updates

    Jonathan Choi Jonathan
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    19.99% p.a. $199 p.a. Go to site More info
    HSBC Credit Card
    No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
    17.99% p.a. 0% p.a. for 6 months $0 p.a. More info
    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. $0 p.a. More info
    HSBC Corporate Card
    Receive a flexible credit card solution for corporate customers.
    19.99% p.a. 0% p.a. for 8 months $129 p.a. More info

    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 December 10th, 2016
    Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
    HSBC Credit Card
    No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
    $0 p.a. 17.99% p.a. 0% p.a. for 6 months More info
    Rates last updated December 10th, 2016
    Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    $0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
    ME Bank frank Credit Card
    A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
    $0 p.a. 11.99% p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    $149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
    ANZ Frequent Flyer Black
    Earn 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Also, receive complimentary airport lounge access and 24/7 concierge service.
    $0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
    ANZ Platinum Credit Card - Exclusive Offer
    Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
    $0 p.a. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info
    Virgin No Annual Fee Credit Card
    No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
    $0 p.a. 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
    American Express Qantas Discovery Card
    Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
    $0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
    ANZ Platinum Credit Card
    Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
    $0 p.a. annual fee for the first year ($87 p.a. thereafter) 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee Go to site More info
    28 Degrees Platinum MasterCard
    No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
    $0 p.a. 21.99% p.a. 4.99% p.a. for 6 months Go to site More info
    American Express Velocity Escape Card
    Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
    $0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
    ANZ First Student Card
    An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
    $0 p.a. annual fee for the first year ($30 p.a. thereafter) 19.74% p.a. Go to site More info
    Citi Simplicity Card
    Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
    $0 p.a. 19.99% p.a. 0% p.a. for 9 months Go to site More info
    ANZ Frequent Flyer
    Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
    $0 p.a. annual fee for the first year ($95 p.a. thereafter) 19.99% p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
    $0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info
    Learn more about No Annual Fee Credit Cards
    • Platinum and 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 December 10th, 2016
    Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    Rates last updated December 10th, 2016
    Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    ANZ Low Rate Platinum Credit Card
    $250 Back plus 0% p.a. for the first 6 months on purchases from approval.
    0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
    75,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
    VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    ANZ Platinum Credit Card - Exclusive Offer
    Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
    VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
    St.George Vertigo Platinum
    A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
    VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
    Citi Rewards Credit Card - Platinum Card
    Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
    VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
    Bank of Melbourne Vertigo Platinum
    A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
    VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
    50,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
    50,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
    American Express Explorer Credit Card
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    100,000 bonus points 2 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
    ANZ Rewards Travel Adventures card
    Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
    VISA/MC: 1 AMEX: 2 20.24% p.a. $225 p.a. Go to site More info
    American Express Qantas Premium Card
    Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
    30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
    Citi Rewards Platinum Card - Cashback Offer
    Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
    VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
    American Express Platinum Card
    Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
    100,000 bonus points VISA/MC: 0 AMEX: 1 $1,200 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    An interest-free period on both purchases and balance transfers.
    VISA/MC: 0.66 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
    30,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
    Learn more about Platinum Credit Cards
    Rates last updated December 10th, 2016
    Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    American Express Explorer Credit Card
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    100,000 bonus points 2 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    1 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
    VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
    VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
    75,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
    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.
    VISA/MC: 0.66 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
    ANZ Rewards Platinum
    Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
    50,000 bonus points VISA/MC: 1 AMEX: 2 18.79% p.a. $95 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
    ANZ Rewards Travel Adventures card
    Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
    VISA/MC: 1 AMEX: 2 20.24% p.a. $225 p.a. Go to site More info
    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
    30,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
    American Express Qantas Discovery Card
    A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
    7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
    American Express Velocity Escape Card
    Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
    7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
    Westpac Altitude Black - Exclusive Offer
    Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
    100,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. $395 p.a. Go to site More info
    American Express Qantas Premium Card
    Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
    30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
    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.
    40,000 bonus points 1 20.74% p.a. $295 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
    50,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    American Express Platinum Business Card
    Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
    100,000 bonus points VISA/MC: 0 AMEX: 1 $1,500 p.a. 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 December 10th, 2016
    Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    HSBC Premier World MasterCard
    Earn 1 rewards points plus a comprehensive insurance package including travel and purchase protection insurance.
    VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $0 p.a. More info
    Rates last updated December 10th, 2016
    Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
    VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
    VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn bonus Velocity Points in the first 3 months plus enjoy a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
    VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    St.George Vertigo Platinum
    A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
    VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
    ANZ Platinum Credit Card - Exclusive Offer
    Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
    VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
    Citi Rewards Credit Card - Platinum Card
    Consolidate your debt with a low balance transfer offer and a host of platinum privileges to enjoy.
    VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    An interest-free offer on purchases and balance transfers. Earn Velocity Points on everyday spend.
    VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
    American Express Qantas Premium Card
    Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
    VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
    American Express Platinum Card
    Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
    VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    Earn up to 1.5 Qantas Points per $1 spent, receive 50,000 Qantas Points when you spend $2,500 on eligible purchases for the first three months from card approval. Plus, enjoy a waived annual fee for the first year.
    VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
    ANZ Frequent Flyer Black
    Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
    VISA/MC: 0.75 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
    ANZ Low Rate Platinum Credit Card
    $250 Back plus 0% p.a. for the first 6 months on purchases from approval.
    Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
    VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
    ANZ Rewards Platinum
    Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum. Also offering 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
    VISA/MC: 1 AMEX: 2 Yes 18.79% p.a. $95 p.a. Go to site More info
    Citi Clear Platinum Card
    Visa Concierge service and extended warranty insurance. Transfer your balance to a long term low interest offer.
    VISA/MC: 0 AMEX: 0 No 0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
    American Express Qantas Ultimate Card
    Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free domestic return flight every year.
    VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
    Learn more about Premium Credit Cards
    • Corporate credit cards

    Corporate credit cards work to complement and support established businesses when it comes to their expenditure. These cards do this by offering benefits such as multiple cards on the one account with individual spend limits, travel insurances to cover those on business trips, and easy online management to keep your employee's spending in check. All this and more is offered by HSBC's Corporate Platinum Visa Card. HSBC gives you an easy way to control your employees spending with innovative spend controls that let you classify limits by department and business units. Complimentary travel insurance is on offer, as is simplified expense management and detailed reporting.

    Rates last updated December 10th, 2016
    Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
    HSBC Corporate Card
    Receive a flexible credit card solution for corporate customers.
    1 0 months $129 p.a. More info
    Rates last updated December 10th, 2016
    Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
    American Express Platinum Business Card
    Receive 100,000 bonus points, earn up to 2 Membership Rewards points for every dollar spent, complimentary insurances and access to 800 VIP Lounges in 100 countries.
    100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
    American Express Business Card
    One of the original charge cards from American Express that offers complimentary insurances including purchase protection and accident cover.
    VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info
    American Express Gold Business Card
    Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
    10,000 bonus points VISA/MC: 0 AMEX: 1 0 months $169 p.a. $24,000 Go to site More info
    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.
    VISA/MC: 0 AMEX: 1 0 months $249 p.a. $24,000 Go to site More info

    Learn more about Corporate Credit Cards

    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 a 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 a 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 a HSBC credit card.

    • Transfer HSBC Rewards points for frequent flyer points

    The HSBC Premier Credit Card allows you to transfer HSBC Rewards points for Singapore Airlines KrisFlyer, AsiaMiles and Velocity frequent flyer points. The transfer rate is 2 rewards points for 1 frequent flyer point. You can also earn 1 Velocity point for every 2 rewards points with the HSBC Platinum Credit Card. The transfer amounts you can choose from are 5,000 and 10,000 HSBC Rewards points.

    How to apply for a 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 a HSBC credit Card application

    You can apply for a 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.

    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.

    Do BPAY payments earn rewards points?

    BPAY payments do not earn rewards points. Eligible purchases exclude interest free promotions, balance transfers, business expenses, cash advances, fees or charges, any disputed transactions, BPAY payments and any government fee or charge.

    Back to top

    Read more on this topic

    American Express Essential Credit Card
    American Express Essential Credit Card

    Interest rate

    14.99

    Annual fee

    0
    ME Bank frank Credit Card
    ME Bank frank Credit Card

    Interest rate

    11.99

    Annual fee

    0
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card

    Interest rate

    19.99

    Annual fee

    149

    Ask a Question

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    51 Responses to HSBC Credit Cards

    1. Default Gravatar
      Rhys | October 13, 2015

      I live in Australia can you Please help me but my credit is less than perfect but need a credit card i get 766 a fortnight and out of that i have 450 spare to spend on repayments thanks rhys

      • Staff
        Jonathan | October 13, 2015

        Hi Rhys, thanks for your inquiry!

        Depending on your credit history and whether you meet the application requirements for a card you will be eligible to apply. Unfortunately we are unable to give personal advice on your inquiry as finder.com.au is a comparison service. If you meet the application requirements you can contact the lender/ bank directly to clarify your chances of getting a credit card.

        Cheers,

        Jonathan

    2. Default Gravatar
      Pankaj | June 11, 2015

      When I apply for a C/C with no annual point. How many points can I get if I spend $1500 in first three months? I am looking forward to get 35000 points. Can you recommend me which card can you offer me?

      • Staff
        Jonathan | June 11, 2015

        Hi Pankaj, thanks for your inquiry!

        Please refer to the following link for a list of Rewards credit cards and offers.

        Cheers,

        Jonathan

    3. Default Gravatar
      pathresh | June 3, 2015

      Please update my credit card application status.

      Regards
      Pathresh

      • Staff
        sally.mcmullen@hiveempire.com | June 4, 2015

        Hi Pathresh,

        Thank you for your question.

        You have come through to finder.com.au, not HSBC. You will need to contact HSBC directly to update your credit card application status.

        I hope this has provided some assistance.

        Thanks,

        Sally

    4. Default Gravatar
      hi | June 1, 2015

      Is HSBC a bad credit card company?

      • Staff
        Jonathan | June 1, 2015

        Hi user, thanks for your inquiry!

        HSBC does not provide products specifically aimed towards bad credit. HSBC requires that you have a good credit rating, be 18 years or older, be a permanent Australian resident and have a minimum income requirement (depending on the credit card).

        I hope this helps.

        Cheers,

        Jonathan

    5. 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

    6. 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

    7. 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

    8. 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

    9. 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

    10. 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

    Credit Cards Comparison

    Rates last updated December 10th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    ME Bank frank Credit Card
    Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
    11.99% p.a. $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    19.99% p.a. $199 p.a. Go to site More info

    * The credit card offers compared on this page are chosen from a range of credit cards finder.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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