HSBC Credit Cards

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Compare HSBC Credit Cards for 0% balance transfers, low fees and premium rewards offers.

HSBC credit cards are simple to use and packed with beneficial features. HSBC offers an array of credit cards from products that can save you money to cards that offer exclusive benefits and VIP treatment. If you're in the market for a credit card with HSBC, use this guide to compare products and apply for the right card for you.

HSBC Platinum Credit Card

HSBC Credit Card Offer

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

  • $99 p.a. annual fee
  • 19.99% p.a. on purchases
  • 0% p.a. for 22 months with 2% balance transfer fee 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 27th, 2017.

HSBC Platinum Qantas Credit Card

60,000 bonus points offer has been extended until 30 June 2017.

December 27th, 2016

HSBC Low Rate Credit Card

Annual fee waiver was removed while BT offer was changed to 0% for 15 mos. until 30 June 2017.

February 9th, 2017

HSBC Platinum Credit Card

Balance transfer offer has been changed to 0% p.a. for 22 months and is valid until 31 August 2017.

May 8th, 2017

View latest updates

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Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
19.99% p.a. $199 p.a. Go to site More info
HSBC Low Rate Credit Card
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Go to site 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. 5.99% p.a. for 6 months $0 p.a. More info
HSBC Corporate Card
Receive a flexible credit card solution for corporate customers.
19.99% p.a. $129 p.a. More info

Types of credit cards to compare from HSBC

From cards with no annual fee and low rates to platinum and business cards that offer competitive rewards programs, you can compare HSBC credit cards below:

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

No annual fee credit cards can be an efficient way to keep your card costs low. If you don't use your card regularly or just want to avoid standard fees, the HSBC Premier World MasterCard charges $0 annual fee for the life of the card. While no annual fee cards generally come with fewer extra features, the HSBC Premier World MasterCard offers a rewards program as well as travel and purchase protection insurance.

Rates last updated May 27th, 2017
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
HSBC Premier World MasterCard
Earn 1 reward point plus a comprehensive insurance package including travel and purchase protection insurance.
$0 p.a. 19.99% p.a. 5.99% p.a. for 6 months More info
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
American Express Essential®  Credit Card
$0 p.a.
14.99% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit on eligible spend and get Smartphone screen insurance when you pay for your phone or contract.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Receive access to complimentary purchase insurance and free bottles of wine with the Citibank Dining Program.
St.George Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 14 months
Get up to 55 interest-free days on purchases and an additional card for $0.
Coles Platinum No Annual Fee Mastercard
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop if you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
BankSA Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 14 months
Get up to 55 interest-free days on purchases and an additional card for $0.
ANZ Platinum Credit Card - Exclusive Offer
$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
Pay 0% p.a. for 3 months on purchases and receive platinum perks including complimentary travel and purchase insurance.
ANZ Frequent Flyer Black
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
19.99% p.a.
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
HSBC Platinum Credit Card
$99 p.a.
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
Earn 1.00 Reward Point per $1 spent and gain access to the Visa Platinum concierge service and Visa Entertainment.
ANZ Frequent Flyer Platinum
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
19.99% p.a.
Get 50,000 when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
NAB Rewards Platinum Card
$0 p.a. annual fee for the first year ($195 p.a. thereafter)
19.99% p.a.
4.99% p.a. for 6 months
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
ANZ Rewards Platinum
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
18.79% p.a.
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
Westpac 55 Day Platinum Credit Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
0% p.a. for 6 months (reverts to 19.84% p.a.)
0% p.a. for 12 months
Enjoy platinum card benefits including a 24/7 concierge service and complimentary insurance covers.
Bankwest Zero Platinum Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Includes complimentary travel insurance, a 24/7 Concierge service and $0 foreign transaction fees.

Compare up to 4 providers

  Learn more about No Annual Fee credit cards
  • Platinum and rewards credit cards

Platinum credit cards offer cardholders rewards, complimentary insurance, a personal concierge service, exclusive deals and other features that help cardholders get extra value from their card. HSBC offers two platinum products, the HSBC Platinum Credit Card and the HSBC Platinum Qantas Frequent Flyer credit card. The major difference between these two cards is the choice of rewards program. Frequent flyers may prefer to earn Qantas Points with the Platinum Qantas product, while reward seekers who want more flexibility would benefit from the HSBC Rewards Program that comes with the Platinum card. Both cards allow you to earn points on purchases which you can redeem for a variety of rewards including flights, gift cards, travel packages, merchandise and more.

Rates last updated May 27th, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
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
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Rates last updated May 27th, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn double points on purchases made in major department and hardware stores and receive complimentary travel and purchase insurance.
80,000 bonus points 1 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent on eligible transactions within the first 3 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
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 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.
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
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
Qantas American Express Ultimate Card
Receive platinum benefits including complimentary insurance covers, airport lounge passes, and a complimentary return flight each year.
55,000 bonus points 1.5 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer® Credit Card
Get a $400 travel voucher every year, complimentary airline lounge passes and several travel insurances.
50,000 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
St.George Vertigo Platinum
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
VISA/MC: 0 AMEX: 0 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
50,000 bonus points 0.75 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
Receive 10% cash back on all eligible purchases, capped at $50 per month for 4 months from card approval.
VISA/MC: 0 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
28 Degrees Platinum Mastercard
Benefit from no international transaction fees on purchases, no currency conversion fees and up to 55 days interest-free on purchases.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and a 24/7 personal concierge.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Take advantage of a 0% p.a. for 18 months on balance transfers offer with a 3% p.a. balance transfer fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive a $129 Virgin Australia Gift Voucher each year and complimentary insurance with this long-term 0% p.a. interest offer.
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 Travel Adventures card
No overseas transaction fee on purchases, plus a complimentary domestic return flight each year when you meet the eligibility criteria.
1.5 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great platinum features including complimentary travel insurance and purchase protection.
50,000 bonus points 1.5 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Heritage Bank Platinum Credit Card
Take advantage of 0% p.a. for 12 months on balance transfers. Plus, receive complimentary insurance when you travel.
16.75% p.a. 0% p.a. for 12 months $125 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Take advantage of a 0% p.a. for 12 months on balance transfers offer, plus up to 55 days interest-free on purchases.
VISA/MC: 0 AMEX: 0 0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Learn more about Platinum credit cards 
Rates last updated May 27th, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
80,000 bonus points 1 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
75,000 bonus points 1 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
50,000 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
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 22 months with 2% balance transfer fee $99 p.a. Go to site More info
St.George Amplify Signature
Receive up to 90,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
90,000 bonus points VISA/MC: 1.5 AMEX: 0 19.49% p.a. $279 p.a. Go to site More info
ANZ Rewards Platinum
Earn up to 50,000 bonus Reward Points when you spend $2,500 in the first 3 months plus $0 in the first year.
50,000 bonus points 1.5 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
60,000 bonus points VISA/MC: 0.5 AMEX: 0 19.49% p.a. $99 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
60,000 bonus points VISA/MC: 0.5 AMEX: 0 19.49% p.a. $99 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
100,000 bonus points VISA/MC: 0 AMEX: 1.5 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $375 p.a. Go to site More info
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
90,000 bonus points VISA/MC: 0.75 AMEX: 0 19.49% p.a. $279 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
75,000 bonus points 2 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
90,000 bonus points VISA/MC: 0.75 AMEX: 0 19.49% p.a. $279 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
VISA/MC: 0.75 AMEX: 0 19.49% p.a. 0% p.a. for 12 months $279 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
40,000 bonus points 0.75 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
VISA/MC: 0.5 AMEX: 0 19.49% p.a. 0% p.a. for 12 months $99 p.a. Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
80,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
1 19.49% p.a. 0% p.a. for 12 months $99 p.a. Go to site More info
Learn more about Rewards credit cards
  • Premium credit cards

The HSBC Premier World MasterCard is a premium product that offers cardholders more value for their money. This product gives you the choice of earning frequent flyer points with the HSBC Qantas Program or earning HSBC Reward points when you spend. Cardholders can also take advantage of a low balance transfer offer and complimentary insurance covers with no annual fee.

Rates last updated May 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Premier World MasterCard
Earn 1 reward point plus a comprehensive insurance package including travel and purchase protection insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 5.99% p.a. for 6 months $0 p.a. More info
Rates last updated May 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
Citi Qantas Signature Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive a complimentary Priority Pass membership.
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
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
American Express Platinum Edge Credit Card
Earn up to 3 Membership Rewards Points per $1 spent and receive a $200 Travel Credit every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
VISA/MC: 0 AMEX: 1.5 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $375 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
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
Bankwest Zero Platinum Mastercard
A $0 annual fee credit card from Bankwest with some great Platinum features.
VISA/MC: 0 AMEX: 0 Yes 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. Go to site More info
Qantas American Express Premium Card
Fly faster with up to 2.25 Qantas Points per $1 spent and receive complimentary domestic and international travel insurance.
1.25 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
Earn up to 3 Membership Rewards Points per $1 spent and receive complimentary access for you and a guest to over 1,000 VIP Lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive 50,000 bonus 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.
0.75 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
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 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
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
Yes 11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Take off sooner with up to 1 Velocity Point per $1 spent and receive 30,000 Bonus Velocity Points.
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
Take advantage of accelerated points earning and great Platinum features with ANZ Rewards Platinum, receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months, plus enjoy a waived annual fee for the first year.
1.5 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Citi Clear Platinum
A low rate platinum credit card which offers Visa Concierge service and extended warranty insurance.
VISA/MC: 0 AMEX: 0 No 14.99% p.a. $99 p.a. Go to site More info
Qantas American Express Ultimate Card
Fly faster with up to 2.5 Qantas Points per $1 spent and receive a complimentary Qantas domestic return Economy flight every year.
1.5 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Citi Rewards Signature Credit Card
Receive 75,000 bonus points and access to a range of complimentary insurances.
VISA/MC: 1.5 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
Learn more about Premium credit cards
  • Corporate credit cards

Corporate credit cards are designed to help businesses manage their expenses. These cards achieve this by offering benefits such as multiple cards with individual spend limits, travel insurances to cover business trips and easy online management to keep your business spending in check. All of this and more is offered by the HSBC Corporate Card. The HSBC card allows you to classify spend limits by departments and business units, offers complimentary travel insurance and comes with simplified expense management and detailed reporting systems.

Rates last updated May 27th, 2017
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 4 months $129 p.a. More info
Rates last updated May 27th, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Commonwealth Bank Business Gold Awards Credit Card
Get an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
VISA/MC: 1 AMEX: 2 3 months $150 p.a. Go to site More info
American Express Platinum Business Card
Receive complimentary international travel and business expense insurances and gain 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 Velocity Business Card
Easily download expenses into business and account management software, plus receive two Virgin Australia lounge passes per year.
VISA/MC: 0 AMEX: 1 N/A $249 p.a. $24,000 Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
The flexibility of a Mastercard and an American Express, plus the ability to directly transfer your points to Qantas frequent flyer.
N/A $60 p.a. Go to site More info
Commonwealth Bank Business Awards Platinum Credit Card
The flexibility of a Mastercard and an American Express, and the benefits that come with platinum plastic.
VISA/MC: 1 AMEX: 3 6 months $300 p.a. Go to site More info
American Express Business Card
A low fee business credit card with up to 51 days interest-free on purchases.
VISA/MC: 0 AMEX: 1 N/A $109 p.a. $24,000 Go to site More info
American Express Gold Business Card
Receive complimentary travel insurance, up to 51 days interest-free on purchases and no pre-set spending limit.
10,000 bonus points VISA/MC: 0 AMEX: 1 N/A $169 p.a. $24,000 Go to site More info
Commonwealth Bank Business Awards Credit Card
A low fee business rewards credit card with up to 55 days interest-free on purchases and a $50,000 limit.
VISA/MC: 1 AMEX: 1.5 N/A $100 p.a. Go to site More info
Shell Card
Minimise your fuel costs at over 1,000 locations across Australia. Save 6 cents per litre off fuel purchases at all Shell branded sites
N/A $30 p.a. 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. Both card types 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.
    • Contactless payments. Whether you're using Visa payWave or Mastercard PayPass, you can make contactless payments of up to $100 without entering your PIN.
  • A convenient online banking experience

As a HSBC customer, you can manage your account, view recent transactions and make payments through their online banking facility.

  • 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.

  • Transfer reward points for frequent flyer points

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

How to apply for a HSBC credit card

If you've compared your options and decided you want to apply for a HSBC credit card, you can do so by clicking 'Go to Site' from the review pages or comparison tables on finder.com.au. It is a simple application process and shouldn't take more than 10 to 15 minutes. However, make sure that you meet the eligibility requirements and organise the necessary documents and information to improve your chances of approval.

The eligibility requirements and specific necessary documents may vary from card to card, but you can expect to be asked about the following.

Information needed for a HSBC credit card application

  • Personal information. This includes your current home address and previous home address if you’ve recently moved.
  • Residential status. While HSBC offers 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.
  • 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. You may be required to confirm whether or not you have a mortgage or any dependent children and provide details regarding your savings and whether you get any income from assets such as shares or property.

Frequently asked questions about HSBC credit cards

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.

HSBC have agreements with more than 1,000 participating 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 3 to 60 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. Please note that interest-free finance is different to the interest-free days feature on HSBC credit cards.

You'll need to pay a minimum repayment of 3% or $20 (whichever is greater) by the date listed on your statement each month.

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 can elect to conduct a balance transfer from a non-HSBC credit card, store card or charge card while you're completing your application. Make sure that you include the name of your financial institution, the amount you want to transfer and details of the account. Please note that a 2% balance transfer fee applies.

You can balance transfer up to 100% of your approved credit limit.

The HSBC Platinum Qantas Credit Card allows you to earn Qantas Points on purchases. As well as a bonus points offer on sign up, you'll earn 1 Qantas Point per $1 spent on all eligible purchases. This excludes interest-free promotions, balance transfers, business expenses, cash advances, fees or charges, any disputed transactions, BPAY payments and any government fee or charge.

When you apply for the HSBC Platinum Qantas credit card, make sure you link your card with your Qantas Frequent Flyer account to start earning points. If you haven't already signed up to the Qantas loyalty program, you'll receive free membership when you sign up through HSBC.

BPAY payments do not earn reward 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.

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Read more on this topic

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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53 Responses to HSBC Credit Cards

  1. Default Gravatar
    Scott | April 25, 2017

    I have the HSBC platinum card and have read all the terms and conditions. I cannot see how BPay is treated and if it is considered a cash advance. How do I find this out ?

    • Staff
      Anndy | April 26, 2017

      Hi Scott,

      Thanks for your question.

      HSBC does not consider BPAY transactions as eligible purchases, so you may be charged with cash advance rate. You can confirm this by getting in touch with HSBC directly.

      For more information about credit card transactions considered as a cash advance, you can check our guide here.

      Cheers,
      Anndy

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

Credit Cards Comparison

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $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. 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
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 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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