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.

  • $149 p.a. annual fee
  • 19.99% p.a. on purchases
  • 0% p.a. for 15 months on balance transfers
  • Cash Advance Rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $40,000 p.a.

A comparison of HSBC Credit Cards

Rates last updated May 1st, 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

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 Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
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 a great 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 1st, 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
Rates last updated May 1st, 2017
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
Citi Simplicity Card
Pay no annual fee ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee 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.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Coles No Annual Fee MasterCard
Pay no annual fee for the life of the card and enjoy up to 62 interest-free days on purchases.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy platinum benefits and no annual fee for the life of the card, plus earn 1 flybuys point for every $2 spent.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months 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
Qantas American Express Discovery Card
Take advantage of no annual fee for the life of the card plus earn 1 Qantas Frequent Flyer point per $1 spent.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee 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
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 19.99% p.a. 4.99% p.a. for 6 months 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 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus 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
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ Rewards Platinum
Receive $250 Westfield Gift Card when you spend $2,500 within 60 days from card approval, earn up to 1.5 points per $1 spent on eligible purchases, plus enjoy a $0 annual fee for the first year.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 18.79% p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
$0 p.a. annual fee for the first year ($49 p.a. thereafter) 19.99% p.a. 0% p.a. for 14 months 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 0.750 Qantas Points for spending.
$0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
$0 p.a. annual fee for the first year ($175 p.a. thereafter) 18.50% p.a. Go to site More info
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 1st, 2017
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 May 1st, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
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
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
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $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 and earn 1 Citi Reward Point per $1 spent on all 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
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
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
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
75,000 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
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
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 3 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
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 12 months and an introductory purchase offer of 0% p.a. for 6 months.
VISA/MC: 0 AMEX: 0 0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
80,000 bonus points 1 18.50% p.a. $0 p.a. annual fee for the first year ($175 p.a. thereafter) 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 0.750 Qantas Points for spending.
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
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
VISA/MC: 0 AMEX: 0 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $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 no annual fee.
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 personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
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
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
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
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
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus 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.
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 with ANZ Rewards Platinum card. Also get the chance to receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from card approval plus a waived annual fee for the first year.
1.5 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Learn more about Platinum credit cards 
Rates last updated May 1st, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
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
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 3 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
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
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
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
American Express Velocity Platinum Card
Receive 50,000 bonus Velocity Points when you apply online, are approved and meet the minimum spend required, plus take advantage of the 0% p.a. for 12 months balance transfer offer. 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 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
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases. Receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval, plus pay a $0 for the first year.
1.5 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
NAB Rewards Classic Card
Receive 40,000 bonus points when you spend $1,500 on everyday purchases within 90 days from card approval, earn rewards points per $1 spent, and enjoy a $0 annual fee for the first year.
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
ANZ Rewards Black Credit Card
Receive a $250 Westfield Gift Card when you spend $2,500 in the first 60 days 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 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
5,000 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. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus earn up to 2 points for every $1 you spend, together with a $0 annual fee.
7,500 bonus points 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive up to 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
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 Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus 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.
1.5 20.24% p.a. $225 p.a. Go to site More info
Qantas American Express Discovery Card
A no annual fee frequent flyer credit card which lets you earn 1 Qantas Point per $1 spent.
1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Qantas American Express Premium Card
Earn 60,000 bonus Qantas Points when you apply as a new card member and meet the minimum spend requirement. Plus enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
60,000 bonus points 1.25 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 reward points per $1 spent.
40,000 bonus points 1 20.74% p.a. $295 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 Reward points when you spend. Whichever program you choose, the points you earn when you spend are only a small part of the rewarding experience of this card.

Rates last updated May 1st, 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 1st, 2017
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 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy an introductory interest rate on balance transfers 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
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 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first 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
Receive 50,000 bonus Velocity Points when you apply online, are approved and meet the minimum spend required, plus take advantage of the 0% p.a. for 12 months balance transfer offer. 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
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
Qantas American Express Premium Card
Earn 60,000 bonus Qantas Points when you apply as a new card member and meet the minimum spend requirement. Plus enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
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
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per $1 spent. Gain access to travel insurance, $300 Platinum travel credit every year and access to 1,000 VIP airport 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
Receive up to 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
Take advantage of accelerated points earning and great Platinum features with ANZ Rewards Platinum, receive $250 Westfield Gift Card when you spend $2,500 within 60 days of card approval, 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
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
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
Receive a $250 Westfield Gift Card when you spend $2,500 in the first 60 days 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
Emirates Citi World Mastercard
Receive up to 50,000 bonus points and enjoy a reduced annual fee for the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 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 1st, 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 1st, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
80,000 bonus points 1 N/A $0 p.a. annual fee for the first year ($175 p.a. thereafter) Go to site More info
Commonwealth Bank Business Gold Awards Credit Card
A business credit card with a range of complimentary insurances and up to 2 Awards points per $1 spent on purchases.
VISA/MC: 1 AMEX: 2 3 months $150 p.a. Go to site More info
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 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 N/A $249 p.a. $24,000 Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
Manage your business expenses with up to 55 interest-free days on purchases and an unsecured credit limit of up to $50,000.
N/A $60 p.a. Go to site More info
Commonwealth Bank Business Awards Platinum Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
VISA/MC: 1 AMEX: 3 6 months $300 p.a. 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 travel accident cover.
VISA/MC: 0 AMEX: 1 N/A $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 N/A $169 p.a. $24,000 Go to site More info
Commonwealth Bank Business Awards Credit Card
Enjoy up to 1.5 Awards points for every dollar spent plus up to 55 days interest-free on purchases.
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 and $0 monthly card fees for the first 6 months.
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. For example, the HSBC Low Rate 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.
  • 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

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?

You can balance transfer as much as the approved credit limit to a HSBC credit card. So, say you were 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?

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.

Do BPAY payments earn reward points?

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

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
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

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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 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) 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
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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