HSBC credit cards

Benefits of getting a credit card with HSBC

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 April 2025, we saw deals like:

• 10% off Expedia hotel bookings
• Up to 12% off Booking.com travel credits
• Up to 20% off Avis car rentals

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

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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:

• American Express Credit Cards
• MyCard Credit Cards
• Macquarie Bank Credit Cards

Frequently asked questions

• How do I activate my HSBC credit card?

  You can activate your new HSBC credit card online or over the phone. To activate online:

  1. Log into your Internet banking account
  2. Select your credit card account
  3. Click on "Manage your account" then "Activate Card" and follow the prompts

  Alternatively, call 132 152 (or +612 9005 8511 if calling from abroad) and follow these steps:

  1. Enter your card number
  2. Follow the prompts to register your account for automated banking services
  3. Select the card activation option and then follow the prompts to complete this process

• How to pay my HSBC credit card?

  You can choose from the following options for making repayments on your HSBC credit card:

  • BPAY. Log into your Internet banking account and follow the instructions on how to set up a BPAY payment. The HSBC Biller Code is 17095 and your credit card account number is listed on your credit card statement. BPAY payments can take up to 2 business days to process and payments made after 6pm (EST) are only processed the next business day.
  • Direct debit. You can set up automated direct debits from your bank account to pay off your credit card each month. You can find the direct debit request form on the HSBC website. Your direct debit payments can be for a fixed monthly amount, the minimum amount or the full repayment amount.
  • HSBC branch. Take your HSBC credit card statement to an HSBC banking branch and you can pay it there with cash or EFTPOS.
  • Australia Post. Australia Post's Bank@Post service lets you pay your HSBC credit card account when you're at the post office. A $2.95 HSBC payment fee applies and you need to have your credit card statement with you to pay at Australia Post.

• How do I get interest-free finance with HSBC?

  HSBC has ended its long-term interest-free finance offers in 2023. It still offers interest-free days on purchases with eligible credit cards. But if you want to pay off large purchases over a long period of time, Finder's guide to interest-free finance has more options.

• What’s the minimum repayment on my HSBC credit card?

  You'll need to pay a minimum repayment of 3% or $30 for Low Rate cards and 3% or $20 (whichever is greater) for all other HSBC credit cards by the date listed on your statement each month.

• 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 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.

• Can existing HSBC credit card customers get a balance transfer?

  It's possible to request a balance transfer onto your existing HSBC credit card by logging in to your online account or by calling HSBC on 132 152.

  With this option, the balance transfer rates and fees may be different to those offered for new customers. It will also be processed in real-time, so make sure you carefully check all the details before going ahead with an application for your existing HSBC card. If you have debt on a HSBC credit card, you can compare balance transfer offers from other banks to find an option that works for you.

• How much can I transfer to my HSBC credit card?

  You can balance transfer up to 90% of your approved credit limit.

• 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.

Compare other products from HSBC

• HSBC home loans
• HSBC savings accounts
• HSBC term deposits
• HSBC personal loans
• HSBC car loans
• HSBC car insurance

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 471 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability

Co-written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise

Richard has written 779 Finder guides across topics including:

• Home loans
• Credit cards
• Personal finance
• Money-saving tips