HSBC Credit Cards

HSBC Credit Cards are provided by HSBC. HSBC is also a provider of home loans and personal loans, bank accounts, investment products, car insurance, home insurance, life insurance, travel insurance, and financial planning services.

Compare HSBC Credit Cards

If you’re considering a HSBC card, check out what’s available below in our comparison table based on a monthly spend of $5,000. Please note that this table has been sorted by purchase rate (lowest to highest).

Product Features: What HSBC credit cards offer

HSBC credit cards come in four forms:

large_hkb_logo HSBC Platinum Qantas Credit Card
HSBC Platinum Credit Card
HSBC Credit Card (No Annual Fee Card)
HSBC Premier World MasterCard

HSBC offers a helpful online portal specifically designed for cardholders to view details of their account, activate a card, change a pin, update contact details, and perform quick transactions.

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HSBC Platinum Qantas Credit Card

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $40,000 p.a.
  • Contactless payments: Visa payWave chip technology allows you to use this card for payments of less than $100.
  • Online payments: Visa Checkout button allows quick and secure payments when shopping online.
  • Security: Card protected by Visa’s Zero Liability Policy against unauthorised transactions.
  • Rewards program: Earn Qantas Frequent Flyer Points for money spent using the card.

Compare Frequent Flyer Credit Cards

HSBC Platinum Credit Card

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $40,000 p.a.
  • Contactless payments: Visa payWave chip technology allows you to use this card for payments of less than $100.
  • Online payments: Visa Checkout button allows quick and secure payments when shopping online.
  • Security: Card protected by Visa’s Zero Liability Policy against unauthorised transactions.
  • Rewards program: Earn Rewards Plus points for money spent using the card.

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HSBC Credit Card (No Annual Fee Card)

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $20,000 p.a.
  • Contactless payments: Visa payWave chip technology allows you to use this card for payments of less than $100.
  • Online payments: Visa Checkout button allows quick and secure payments when shopping online.
  • Security: Card protected by Visa’s Zero Liability Policy against unauthorised transactions.

Compare Low Fee Credit Cards

HSBC Premier World MasterCard

Premier world MCFeatures

  • Card type: Mastercard
  • Minimum credit limit: $15,000
  • Minimum income required for eligibility: Not specified.
  • Contactless payments: Mastercard PayPass technology allows you to use this card for payments of less than $100.
  • Security: Card protected by Mastercard® SecureCode™.
  • Rewards program: Choice of Rewards Plus or Qantas Rewards points. Earn points for money spent using the card.

Compare Frequent Flyer Credit Cards

CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

HSBC FAQs

To apply for any of the HSBC Credit Card products, you must be able to satisfy the following criteria:

  • Over 18 years of age.
  • Resident of Australia.
  • Good credit rating.
  • Earn income of at least $40,000 p.a.

For more information on eligibility requirements, refer to the HSBC website.

First, check whether you are eligible to apply for a credit card from HSBC. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online. Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

It will take approximately 10 working days for your HSBC credit card application to be processed (HSBC). You will have to activate the card when it arrives before you are able to use that card. Activate the card using HSBC’s online banking website.

You can manage your HSBC credit card through HSBC’s online banking website, and view all of your other HSBC accounts at the same time. The online banking website can be viewed on mobile device, tablet device, or PC. Use online banking to do things like view your recent transaction history, view your balance, and more.

When interest is charged

Interest is charged when you carry a balance on your GO MasterCard. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged

Up to 55 interest-free days apply to HSBC credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a HSBC credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Unless you nominate a specific credit limit, your application will be assessed for the maximum credit limit available based on your individual circumstances and determined by HSBC. Minimum credit limits can be viewed on the HSBC website.

Find out more about how credit limits are determined here.

You can close your HSBC credit card account at any time by contacting HSBC:

  • HSBC Credit Cards: Phone 132 152 (within Australia) or +612 9005 8511 (from overseas)
  • HSBC Premier Cards: Phone 1300 301 168 (within Australia) or +612 9005 8192 (from overseas)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the customer service team to get help in making repayments.

If you are closing your HSBC credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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HSBC was founded in 1865 in Hong Kong to finance trade between Asia and Europe. 100 years later, they moved into Australia in 1965 and gained their commercial banking licence in 1986.

HSBC is now one of the world’s largest banking and financial institutions, serving 48 million customers around the globe, and 6,000 offices in 71 countries. They aim for sustainability through the Climate Business approach, and support leading charities that focus on education, the environment, and health.

“How to” guides are available for customers, and if these don’t have the answers you’re looking for, you can chat online live with help centre members.

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HSBC Credit Card

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Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by purchase rate (lowest to highest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.

Table only displays five products. Click here to see more. Be sure to read the full terms and conditions of each deal before signing up.

Compare Rewards Credit Cards

Written by: TJ Ryan | Last updated: