HSBC
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HSBC credit cards

HSBC has a wide selection of credit cards, including rewards, frequent flyer and low rate cards. And most HSBC cards have 0% balance transfer options too.

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HSBC is a major global bank. In Australia, many of its credit card offers are aimed at travelers and frequent flyers. HSBC has its own reward program, HSBC Rewards Plus, and it has a Platinum Qantas Card - and a card that lets you choose from either program.

HSBC also has a credit card that lets you earn Star Alliance Network points and get on the fast track to Gold Status.

Compare HSBC Credit Card Offers

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Name Purchase rate p.a. Annual fee Balance transfer rate p.a. Amount Saved
HSBC Platinum Credit Card
HSBC Rewards Plus
Purchase rate p.a.
19.99%
Annual fee
$0 first year ($149 after)
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
$778.32 over 12 months
More Info
Save money with a 0% p.a. balance transfer rate for 12 months (with a one-time 2% BT fee), a first-year annual fee waiver and free travel insurance.
HSBC Low Rate Credit Card
Purchase rate p.a.
12.99%
Annual fee
$99
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 25.99%
$828.32 over 12 months
More Info
0% p.a. on balance transfers for 12 months. Plus, no overseas transaction fees and complimentary domestic travel insurance.
HSBC Star Alliance Credit Card
Star Alliance
Purchase rate p.a.
19.99%
Annual fee
$0 first year ($450 after)
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
$477.32 over 12 months
More Info
Get Star Alliance Gold Status when you spend $4,000 or more on eligible purchases in the first 90 days. Plus, 0% interest for 6 months on eligible flights
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Annual fee
$0 first year ($299 after)
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
$628.32 over 12 months
More Info
Offers $0 annual fee for the first year and a 0% balance transfer offer. Plus, up to 1.5 and complimentary travel insurance.
HSBC Premier World Mastercard
HSBC Rewards Plus
Purchase rate p.a.
19.99%
Annual fee
$0
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
$927.32 over 12 months
More Info
Earn points per $1 spent with a choice between HSBC Rewards Plus or HSBC Qantas Rewards. Plus, complimentary travel insurance and airport lounge access.
HSBC Corporate Card
Purchase rate p.a.
0%
Annual fee
Balance transfer rate p.a.
N/A
More Info
Offers real-time management of cards, individual spending limits, travel insurance protection and zero liability for misuse.
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Types of credit cards from HSBC

  • HSBC rewards credit cards

The HSBC Platinum and HSBC Premier World Mastercard give you a way to earn points per $1 on your eligible spending through HSBC Rewards Plus. You can redeem your points for gift cards, cashback on your account and more. With the HSBC Premier World Mastercard, you can choose between the Qantas Rewards program or the HSBC Rewards Plus.

  • HSBC frequent flyer credit cards

The HSBC Platinum Qantas Credit Card offers up to 1.5 Qantas Point per $1 on all eligible spending in the first year, plus complimentary travel insurance.

The HSBC Star Alliance Credit Card earns up to 1 Star Alliance Point per $1, which you can transfer to a choice of 7 Star Alliance partners, including Singapore Airlines KrisFlyer, Air Canada Aeroplan and Air New Zealand Airpoints. You can also access more benefits by flying with your chosen airline's Gold Status program (if you meet the requirements).

  • HSBC balance transfer credit card offers

Most HSBC cards have a 0% balance transfer offer for 12 months with a 2% fee. This lets you combine or transfer existing card debts and start paying them off with an interest-free period.

You will need to request a balance transfer when applying for a card.

  • HSBC low rate credit cards

The HSBC Low Rate Credit Card has a 12.99% p.a. interest rate for purchases, which is competitive with other low rate credit cards in Australia. It also offers complimentary domestic travel insurance and no foreign transaction fees, which are nice perks for a low rate card.

  • Corporate credit cards

The HSBC Corporate Card is suited to businesses that want access to credit and expense management tools. It allows you to classify spend limits by departments and business units, offers complimentary travel insurance and includes zero liability for misuse.

Features you can get with an HSBC credit card

HSBC has a strong set of programs that come with its cards, offering discounts on various shopping, travel and experience categories.

  • HSBC Instant Savings

HSBC Instant Savings is an app for HSBC card customers. It gives you access to over 4,500 offers for things like restaurants, hotels, cafes, cinemas, groceries and more.

You can get discounts of 5% to 50% depending on where you shop, as long as you use your credit card. This can be a great money saving perk if you take advantage of deals on offer.

  • HSBC home&Away Privilege Program

This program gives you access to special offers and discounts with partners in Australia and around the world when you use your HSBC credit card. To give you an idea of the options, when Finder looked on the HSBC home&Away website in March 2024, we saw deals like:

  • 10% off Agoda hotel bookings
  • 10% of Avis car rentals
  • 15% off Mondaine watches
  • Mobile wallets and contactless payments

You can add any personal HSBC credit card details to Apple Pay or Google Pay and use your eligible smartphone or smartwatch to make contactless payments.

  • Online and mobile banking

You can check your balance, manage your account and send secure messages through HSBC's online and mobile banking platforms, as well as the HSBC app. With Online Banking, you can even set controls for your card based in the type of transaction, value or country.

How to apply for a HSBC credit card

You can apply for a HSBC credit card in around 10 minutes by filling in the online application form. To get started, make sure you meet the eligibility requirements and have the documents and details you need to include on the application.

Eligibility criteria

    • Age. You must be at least 18 years of age.
    • Residency status. You must be an Australian resident.
    • Income. The required income varies by card.

You'll need to meet the income requirements for your chosen HSBC credit card. For example, the HSBC Platinum Credit Card has a minimum income requirement of $40,000 per year and the HSBC Star Alliance Credit Card has a minimum income requirement of $75,000 per year.

  • Credit history. You'll typically need a good credit score to get a credit card from HSBC.

Documents and details

  • 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. 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.

What happens after you apply?

After submitting your application, you'll get a response within 60 seconds. You'll then be asked to upload supporting documentation. If you're approved, your card will be posted to you in the mail and you'll get further details about setting up your credit card account.

Credit card brands similar to HSBC

If you want a credit card from a global brand, here are 3 other credit card providers you could compare with HSBC:

Frequently asked questions

More guides on Finder

  • HSBC Star Alliance Credit Card

    The HSBC Star Alliance Credit Card offers points and perks with partners including Singapore Airlines, Air New Zealand and United. Is it right for you?

  • HSBC Platinum Credit Card

    This card offers 0% interest on balance transfers for 12 months, a first-year annual fee waiver and platinum benefits including airport lounge passes and complimentary insurance covers.

  • HSBC Corporate Card

    The HSBC Corporate Card offers expense management, flexible spending controls, liability protection and worldwide acceptance through the Mastercard network.

  • HSBC Premier World Mastercard

    Designed for premium HSBC customers, the HSBC Premier World Mastercard offers points, complimentary insurance, airport lounge access and more.

  • HSBC credit cards complimentary travel insurance

    Travel with peace of mind and save with complimentary travel insurance with your HSBC credit card.

  • HSBC Platinum Qantas Credit Card

    The HSBC Platinum Qantas Credit Card is a premium option that earns frequent flyer points per $1 spent and offers complimentary insurance.

  • HSBC Rewards Plus

    With HSBC credit card rewards program, cardholders get the ability to earn points on a one point to one dollar ratio that can be used for a vast array of rewards and extra points with HSBC partners.

  • HSBC Low Rate Credit Card

    The HSBC Low Rate Credit Card has a 0% balance transfer offer and a low ongoing interest rate for purchases – here's what else you need to know.

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61 Responses

    Default Gravatar
    AntonioMarch 21, 2024

    Can I get an IHG Rewards business card in Australia

      AvatarFinder
      SarahMarch 25, 2024Finder

      No, this card is backed by Chase, which is an American bank.

    Default Gravatar
    AndrewNovember 29, 2023

    Does my HSBC Platinum Credit Card still provide buyer protection insurance?

      AvatarFinder
      AngusDecember 1, 2023Finder

      Yes, the HSBC Platinum Card currently includes Extended Warranty Insurance and Purchase Protection Insurance.

    Default Gravatar
    ANNIEJune 29, 2019

    Dear Sir,

    I would like to cancel my HSBC VISA Platinum credit card. I have made a call 1800 2276868 on 29.06.19 at 1.20pm to cancel it. However, I am not sure if it has been successfully cancelled.

    Please let me know the status.

      Default Gravatar
      NikkiJune 29, 2019

      Hi Annie,

      Thanks for reaching out!

      To cancel your HSBC credit card and check if it was successfully processed, kindly follow up with them directly.

      If you need further assistance, here is a helpful article about cancelling an HSBC credit card.

      Best,
      Nikki

    Default Gravatar
    rollieAugust 9, 2017

    what is the status of my credit card application hsbc?

      Default Gravatar
      JonathanAugust 9, 2017

      Hello Rollie,

      Thank you for your inquiry.

      I’m afraid we are not able to give you an update about your credit card application since we are not HSBC. However, we have a full guide on how to check your credit card application. You may want to read through that guide and gain more details about your query. After that, you can also get in touch with HSBC directly to learn more.

      Hope this helps.

      Cheers,
      Jonathan

    Default Gravatar
    ScottApril 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 ?

      AvatarFinder
      DeeApril 26, 2017Finder

      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.

      You may want to read our guide on what a cash advance is.

      Cheers,
      Anndy

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