How do I activate my HSBC credit card?

You can activate your new HSBC credit card online or over the phone. To activate online: Log into your Internet banking account Select your credit card account 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: Enter your card number Follow the prompts to register your account for automated banking services 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.

HSBC credit cards: Low rates, rewards & perks

4.0 ★★★★★ (38 reviews) Write a review

HSBC is a major global bank. In Australia, many of its credit card offers are aimed at travellers 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

Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
HSBC Star Alliance Credit Card Star Alliance	Purchase rate p.a. 19.99%	Annual fee $0 first year ($499 after)	Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 21.99%	$328.32 over 12 months	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.	More info Compare product selectionCompare	loading
HSBC Platinum Qantas Credit Card Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Annual fee $0 first year ($399 after)	Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 21.99%	$428.32 over 12 months	Offers $0 annual fee for the first year and a 0% balance transfer offer. Plus, up to 1.5 Qantas Points per $1 and complimentary travel insurance.	More info Compare product selectionCompare	loading
HSBC Platinum Credit Card HSBC Rewards Plus	Purchase rate p.a. 19.99%	Annual fee $0 first year ($199 after)	Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 21.99%	$628.32 over 12 months	Save 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.	More info Compare product selectionCompare	loading
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%	$728.32 over 12 months	0% p.a. on balance transfers for 12 months. Plus, no overseas transaction fees and complimentary domestic travel insurance.	More info Compare product selectionCompare	loading
HSBC Corporate Card	Purchase rate p.a. 0%	Annual fee	Balance transfer rate p.a. N/A		Offers real-time management of cards, individual spending limits, travel insurance protection and zero liability for misuse.	More info Compare product selectionCompare	loading
HSBC Premier World Mastercard - Qantas Frequent Flyer Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Annual fee $0 first year ($399 after)	Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 21.99%	$428.32 over 12 months	Offers $0 annual fee in the first year, up to 1.5 Qantas Points per $1 on eligible spending, plus complimentary travel insurance and airport lounge access.	More info Compare product selectionCompare	loading
HSBC Premier World Mastercard HSBC Rewards Plus	Purchase rate p.a. 19.99%	Annual fee $0 first year ($199 after)	Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 21.99%	$628.32 over 12 months	Offers $0 first-year annual fee and points per $1 spent with a choice between HSBC Rewards Plus or HSBC Qantas Rewards. Plus, complimentary travel insurance and airport lounge access.	More info Compare product selectionCompare	loading

Find a better credit card

Take our easy quiz and find the right card for you.

What do Australians think of HSBC credit card provider?

4.09/5 overall for Customer Satisfaction - higher than the average of 4.06
4.66/5 for Trust - higher than the average of 4.4
3.95/5 for Customer Service - lower than the average of 4.06

Based on HSBC credit card provider scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

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:

Frequently asked questions

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
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.
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.
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.

Sources

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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

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Amy has written 505 Finder guides across topics including:

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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 688 Finder guides across topics including:

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61 Responses

RhysOctober 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

Finder

JonathanOctober 13, 2015Finder

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

PankajJune 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?

Finder

JonathanJune 11, 2015Finder

Hi Pankaj,

Thanks for your inquiry.

Your points may vary on the credit card you will choose to apply for. Please refer to the following link for a list of rewards credit cards and offers. Select ‘Go to Site’ to head over to their website to apply. Please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

Cheers,
Jonathan

pathreshJune 3, 2015

Please update my credit card application status.

Regards
Pathresh

Finder

sally.mcmullen@hiveempire.comJune 4, 2015Finder

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

hiJune 1, 2015

Is HSBC a bad credit card company?

Finder

JonathanJune 1, 2015Finder

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

nazMay 7, 2015

Hello do you do loans for people on centrelink and with a bad credit rating up to 5000

Finder

JonathanMay 8, 2015Finder

Hi Naz,

Thanks for your inquiry.

There are a few lenders who will consider you for a loan when you are receiving Centrelink payments. If this is your sole income you can find lenders who may consider you to borrow from our list of unemployed loans.

You can also compare lenders who offer loans to Centrelink recipients and other government and community assistance programs that you can apply.

For your other loan options, you may compare bad credit loans up to $5000. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

I hope this has helped.

Cheers,
Jonathan

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.