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A person using HSBC Australia credit card for an online transaction; image used for HSBC Australia credit cards overview.

HSBC Credit Cards

Here to help you manage your money better.
Product image of HSBC Platinum Credit Card.

HSBC Platinum Credit Card

Earn HSBC Rewards Plus points while taking advantage of complimentary extras like 2 Airport lounge passes every year6 and International Travel Insurance7.
  • Earn 2 Rewards Plus points per dollar on overseas purchases and one Rewards Plus point per dollar on all other purchases8
  • 2 Airport Lounge passes per year with complimentary LoungeKey membership6
  • Complimentary Domestic and International Travel Insurance
Available to new, approved customers who apply for the HSBC Platinum Credit Card. HSBC may change or end this offer at any time. Please see full terms and conditions below. Other fees and charges apply.

Long Term Balance Transfer offer

  • 0% p.a. on Balance Transfers for the first 22 months (no BT Fee)1
  • Annual Fee refund2
Product image of HSBC Platinum Qantas Credit Card.

HSBC Platinum Qantas Credit Card

Enjoy 20,000 bonus Qantas Points3 and earn up to 1 Qantas Point per $1 spent on eligible purchases4.
  • 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days from card approval3
  • Earn 1 Qantas Point for every $1 of eligible spend, up to $1,000 per statement period4. Earn 0.5 Qantas Point for every $1 of eligible spend thereafter per statement period4
  • Complimentary Domestic and International Travel Insurance
Available to new, approved customers who apply for the HSBC Platinum Qantas Credit Card. HSBC may change or end this offer at any time. Please see full terms and conditions below. Other fees and charges apply.

Rates & Fees:

  • 0% p.a. on Balance Transfers for the first 12 months (no BT Fee)1
  •  $99 Annual Fee
Product image of HSBC Low Rate Credit Card.

HSBC Low Rate Credit Card

A low rate and a range of worthwhile extras make this a great option for anyone who appreciates real value.
  • Low Interest Rate of just 12.99% p.a.
  • No overseas transaction fees
Available to new, approved customers who apply for the HSBC Low Rate Credit Card. HSBC may change or end this offer at any time. Please see full terms and conditions below. Other fees and charges apply.

Rates & Fees:

  • 0% p.a. interest on Balance Transfers for 20 months1 with 2% BT fee10
  •  $99 Annual Fee
Product image of HSBC Premier Credit Card.

HSBC Premier Credit Card

The card that's perfect for travellers, with Rewards to indulge in when you're at home and overseas.
  • A minimum $10,000 credit limit5 and your choice of 2 Reward Programs - HSBC Rewards Plus or Qantas Frequent Flyer Points
  • Complimentary insurance benefits
  • Instant savings at over 4,500 stores, hotels and attractions

Rates & Fees:

  • $0 Annual Fee with HSBC Rewards Plus ($99 with Qantas Points)
  • $10,000 minimum credit limit5

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders. HSBC may change or end these offers at any time. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC. Visit hsbc.com.au or call 132 152. Interest rates are valid at the time of publication and are subject to change.

HSBC Instant Savings terms and conditions apply. Visit terms and conditions (FDF, 58KB) for full details.

  1. To be eligible for the introductory Balance Transfer rate, the Balance Transfer request must be made at the time of applying for the new HSBC credit card. Your total Balance Transfers must not exceed 90% of your approved credit limit. The interest rate on the Balance Transfer applies for 20 months for the HSBC Low Rate Credit Card, 22 months for the HSBC Platinum Credit Card and 12 months for the HSBC Platinum Qantas Credit Card. The Balance Transfer must be from non-HSBC credit cards. After this period, any balance outstanding from the Balance Transfer will accrue interest at the cash advance rate (currently 21.99% p.a. for  Platinum and Platinum Qantas, 25.99% p.a. for Low Rate as at 11 December 2019 and subject to change). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your HSBC credit card account to pay off other transactions such as purchases and cash advances before any Balance Transfer amount.
  2. $129 Annual Fee will be charged on the account within 2 months after the first debit transaction and every 12 months thereafter. The annual fee will be refunded for customers who spend $6,000 on eligible purchases within 12 months from the date the Annual Fee is charged. Refunds will be posted automatically within 30 days of eligible spend criteria being met, if your account is current and in good state. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, any disputed transactions and government fees and charges.
  3. To be eligible for the bonus Qantas Points offer, you must apply and be approved for a new HSBC Platinum Qantas Card. Receive 20,000 bonus Qantas Points if you spend $3,000 on eligible purchases within 90 days of card approval. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY?, any disputed transactions and government fees and charges. The 20,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer Account within 90 days of meeting the spend criteria, provided that your account is active and not in arrears and you have provided HSBC with a valid Qantas Frequent Flyer membership number. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Platinum Qantas Credit Card within the last 12 months are ineligible for this offer.
  4. Qantas Points accrue in accordance with and are subject to the HSBC Qantas Rewards Terms and Conditions. No points are earned on interest free and other promotions, Balance Transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY? and any government fee or charge. You must be a member of the Qantas Frequent Flyer program and provide your valid membership number to HSBC in order to earn and redeem points. A joining fee usually applies, however HSBC has arranged for this to be waived for HSBC credit card customers opting in to HSBC Qantas Rewards who are not already Qantas Frequent Flyer members - join by visiting qantas.com/hsbcjoin. Membership and the earning and redemption of points is subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Earn 1 Qantas Point per $1 spent up to $1,000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Qantas Points up to a total of 7,500 Qantas Points per statement period.
  5. HSBC Premier World Mastercard is based on a minimum credit limit of $10,000. For access to credit limits above this amount, you will need to complete a separate application form. The provision of a credit card is subject to local statutory and regulatory requirements. Fees, charges, terms and conditions apply. All applications are subject to HSBC's lending criteria.
  6. Airport Lounge Passes terms and conditions apply. Visit View HSBC credit cards terms and conditions for full details.
  7. Insurance policies are issued by AWP Australia Pty Ltd ABN 52 097 227 177(AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions for HSBC insurance policies, limits and exclusions apply and available at www.tennkara.com. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093.
  8. HSBC's Credit Card Rewards Terms and Conditions apply (PDF, 132 KB). Points capping limit of 10,000 points per statement period apply. Eligible purchases exclude interest free promotions, Balance Transfers, cash transfer, business expenses, cash advances, fees or charges, any disputed transactions, BPAY? and any government fee or charge.
  9. An overseas transaction charge is normally payable when you make a transaction on your account in a currency other than Australian dollars, or you make a transaction on your account in any currency (including Australian dollars) that is processed/billed by either the merchant or its financial institution/payment processor outside of Australia.
  10. The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee will be applied at the time the balance is transferred and forms part of your total outstanding balance.
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