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

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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

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Richard has written 687 Finder guides across topics including:

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61 Responses

charmaineMay 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

Finder

JonathanMay 6, 2015Finder

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

HilaryMarch 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 ?

Finder

JonathanApril 1, 2015Finder

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

davidFebruary 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.

Finder

JonathanFebruary 11, 2015Finder

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

VivekJanuary 24, 2015

i applied for HSBC credit card from chennai india.Please tell me how i will know the status

Finder

JonathanJanuary 27, 2015Finder

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

MarthaDecember 17, 2014

Hi,
I applied for a 0% 6 months balance transfer about 3 weeks ago. I then received my platinum credit card in the mail and I have activated it. I keep ringing to see when the balance transfer is going to go through. I was told to wait the 7-10 days waiting period. I rang again and was told the transfer is being processed. Now today I rang and I was told they could not find where I had applied. I am really confused about this as I received the credit care for $15,000.00 credit (which I really did not need)and now I am being told no balance transfer. In the meantime, I have had to pay the other credit card off because of the high interest. Gosh, I am so disappointed with HSBC and all the running around I have been given to find that no balance transfer coming.

Finder

ElizabethDecember 18, 2014Finder

Hi Martha,

Thanks for your question.

If you applied for the balance transfer at the time of application, and you were bringing over a balance from non-HSBC card accounts, then your best option may be to contact HSBC and attempt to have the balance transfer approved. You might also see if they are able to offer you a way to organise a balance transfer of the card yourself.

Another option you have is submitting a complaint directly to HSBC or the financial ombudsmen.

I hope this has helped.

Thanks,

Elizabeth

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.