based on 1313 HSBC product reviews as rated by Mozo community

HSBC credit cards

One of the world’s largest banking and financial services organisations, HSBC started operations in Australia in 1965. From no annual fee cards, reward cards and balance transfer offers, HSBC has a number of credit card options depending on your financial preferences. Plus, HSBC won two awards in the 2023 Mozo Experts Choice Awards for Travel Money Cards and International Money Transfer. It also won four 2023 Mozo Experts Choice Credit Card Awards.

What credit cards do HSBC offer?

Take a look at the different kinds of HSBC Credit Cards that you can choose from:

Rates and fees verified as correct at 19 April 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

12.99% p.a.

0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

55

Low fee credit cards

Looking for a low annual fee credit card? Check out one of the HSBC credit cards that come at $0 annual fee plus up to 55 interest free days. What’s more, you'll also get access to discounts and exclusive offers with the home&Away Privilege Program.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$0

55

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$0

55

Rewards credit cards

Choose one of HSBC’s rewards cards to earn points on everyday purchases. The rewards credit cards are accepted at more than 32 million locations worldwide. You can redeem these reward points through the HSBC Rewards Plus Program for things like gift cards, merchandise, hotel accommodation or flight tickets.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1.5 points per dollar on Visa, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$149 $0 in the first year

1 point per dollar on Visa, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$299 $0 in the first year

1 point per dollar on Mastercard, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$0

1 point per dollar on Mastercard, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$0

1 point per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$450 $0 in the first year

Prestige cards

Get your hands on a premium credit card by going for an HSBC Platinum card. These will get you access to complimentary insurance benefits such as International Travel Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme, Transit Accident Insurance and Purchase Protection Insurance. What’s more, they’ll also earn you precious rewards points which can be redeemed for a number of offers.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1.5 points per dollar on Visa, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$149 $0 in the first year

1 point per dollar on Visa, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$299 $0 in the first year

Frequent flyer credit cards

A premium card with HSBC is ideal for frequent flyers to rack up those Qantas Points, which can be redeemed for flights, upgrades, hotel bookings and many other products in the online Qantas Store. You can earn points for every dollar you spend on eligible purchases in Australia or overseas.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$299 $0 in the first year

1 point per dollar on Mastercard, up to $120,000 per year

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$0

Frequently Asked Questions about HSBC credit cards

Q1. How can I access HSBC’s Internet banking service?

You can register for HSBC's online banking service by simply calling their Customer Service Centre. If you’re a Premier customer, you’ll need to call the HSBC Premier Centre.

Q2. How do I make HSBC Credit Card repayments?

You can choose from a number of ways to make HSBC Credit Card repayments such as direct debit, BPAY or Internet banking. If you’re not comfortable with online or phone banking, you can go over to the nearest HSBC branch to make an over the counter cash or cheque payment. Alternatively, you also have the option to mail a cheque along with the payment slip.  

Q3. Will I be eligible for an interest free period with a HSBC Credit Card?

HSBC Credit Cards offer up to 55 days interest free on qualifying purchases, when you pay the full balance every month. Do remember that there are no interest free days for cash advances. You will however different terms and conditions applicable for the various cards.

Q4. Can I withdraw cash from an ATM using a HSBC Credit Card?

Yes, you can use a HSBC Credit Card to withdraw cash from any ATM as long as it carries the 'Visa' or 'PLUS' or 'MasterCard' logos. But do remember that unlike for debit cards, withdrawals from ATMs using credit cards are treated as Cash Advances, with interest charged from the date of withdrawal.

Q5. Can I use a HSBC Credit Card outside Australia?

Yes, of course. You can use the HSBC Credit Card at more than 22 million Visa merchants across the world using your signature or PIN. If you’re a Premier credit cardholder, you can use your card anywhere MasterCard is accepted. But do remember that there could be additional overseas transactional charges applicable for using your card in other countries.

Q6. What happens if I lose my HSBC Credit Card?

First of all, you must report that your HSBC Credit Card has been lost or stolen as soon as possible, by calling the customer support centre, which is accessible all day, every day. Your card can then be blocked so no one else can use it and a new card can be issued. This usually takes 7 days but if you need an urgent or overseas card replacement, let your HSBC consultant know.

Q7. Can I get an additional card for my HSBC Credit Card account?

Yes, you can apply for multiple additional cards for your HSBC Credit Card account by completing  a simple online application form. The additional cardholder may also need to provide certain documents such as proof of identity and address.  

Q8. Can I use the ‘tap and go’ technology with a HSBC Credit Card?

Yes, you can make contactless payments with a HSBC Credit Card. This means that for making purchases under $100, you won’t need you to swipe, sign or enter your PIN. All you need to do is hold your credit card to the reader for a quick payment.

Q9. What is the home&Away Privilege Program?

HSBC's home&Away Privilege Program caters to HSBC credit and debit cardholders with a whole range of exclusive offers and discounts on shopping, dining and travel experiences.

Q10. Is there a limit on the number of reward points I can earn every year?

While the HSBC Platinum and HSBC Premier Credit Cards do not have a limit on the number of points you can earn in a year, the HSBC Classic Card and the HSBC Qantas Platinum Card have a limit of 100,000 and 300,000 reward points per annum respectively.


How are HSBC credit cards rated?

Mozo users have rated HSBC credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
HSBC credit cards
Overall
Price
Features
Customer service
Convenience
Trust

473 Reviews

Recent HSBC credit card reviews

HSBC Credit Card
Overall 4/10
No online ticket purchases overseas !

The Global debit card works with pin number in restaurants and shops. If you try to buy tickets online it will send a OTP, one touch password, to your australian mobile. Absolutely useless if you are using a local SIM on holiday and your australia service is not on your phone or set up for roaming. Other banks like LLOYDS allow verification via their app. Improvement needed!

Read full review

The Global debit card works with pin number in restaurants and shops. If you try to buy tickets online it will send a OTP, one touch password, to your australian mobile. Absolutely useless if you are using a local SIM on holiday and your australia service is not on your phone or set up for roaming. Other banks like LLOYDS allow verification via their app. Improvement needed!

Customer service
6/10
Convenience
2/10
Trust
6/10
Less
Gordon, Western Australia, reviewed 6 months ago
HSBC Credit Card
Overall 3/10
Poor customer service

The card had a great sign up bonus initially however I found customer service extremely card to get in contact with. When I wanted to cancel the card, they gave me the run around and were extremely unhelpful. I would not take out another card with HSBC simply because the customer service is so woeful.

Read full review

The card had a great sign up bonus initially however I found customer service extremely card to get in contact with. When I wanted to cancel the card, they gave me the run around and were extremely unhelpful. I would not take out another card with HSBC simply because the customer service is so woeful.

Price
7/10
Features
5/10
Customer service
1/10
Convenience
2/10
Trust
2/10
Less
Ashleigh, Northern Territory, reviewed 9 months ago
HSBC Credit Card
Overall 1/10
HSBC Australia is committing to fraudulent actions

HSBC Australia is committing to fraudulent actions to rip off their customers. Their Customer Service is unbelievably terrible, and gives basically zero support to customers. In addition, they cheat their customers. I encountered a few fraudulent transactions (total 20k AUD), I immediately disputed, but they didn’t take any action for a month and didn’t reverse or cancel the transactions, to make the matter worse, although i cancelled auto debit services, they deducted full amount including disputed items at the end of the month with no my permission. I immediately complained at their customer service but they just continued to say they can’t do anything. This is unbelievable business conduct and HSBC Bank Australia is definitely committing to frauds and cheating their customers. I highly recommend NOT to use HSBC Bank Australia as 1) their customer service is terrible, 2) they try to rip off your money and 3) they commit unlawful transactions to make money.

Read full review

HSBC Australia is committing to fraudulent actions to rip off their customers. Their Customer Service is unbelievably terrible, and gives basically zero support to customers. In addition, they cheat their customers. I encountered a few fraudulent transactions (total 20k AUD), I immediately disputed, but they didn’t take any action for a month and didn’t reverse or cancel the transactions, to make the matter worse, although i cancelled auto debit services, they deducted full amount including disputed items at the end of the month with no my permission. I immediately complained at their customer service but they just continued to say they can’t do anything. This is unbelievable business conduct and HSBC Bank Australia is definitely committing to frauds and cheating their customers. I highly recommend NOT to use HSBC Bank Australia as 1) their customer service is terrible, 2) they try to rip off your money and 3) they commit unlawful transactions to make money.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Atsushi, New South Wales, reviewed 11 months ago
HSBC Credit Card
Overall 7/10
Very happy

After having read many reviews I was a little reluctant to apply. I must say the process from start to finish was surprisingly seamless and straightforward. I already have a accounts with them and unlike a major bank I have been with for years they were far more helpful.

Read full review

After having read many reviews I was a little reluctant to apply. I must say the process from start to finish was surprisingly seamless and straightforward. I already have a accounts with them and unlike a major bank I have been with for years they were far more helpful.

Price
8/10
Features
6/10
Customer service
10/10
Convenience
9/10
Trust
8/10
Less
Gary, Western Australia, reviewed 11 months ago
HSBC Star Alliance Credit Card
Overall 1/10
A waste of time

I have had the worst experience with HSBC in relation to this credit card. With other credit cards I have had in the past, the application was fairly simple and was approved within a couple of weeks. I decided to get rid of my other card as I use Star Alliance all the time for regular travel, so wanted this card to maximize points. The application process took more than 10 weeks, with them asking me to provide a new document each week, I have wasted so much time on the phone with them. This is all despite the fact I have a sizable savings account balance with them and my salary going directly into my HSBC savings account (so they can see everything anyway). I don’t recommend HSBC credit cards to anyone, don’t waste your time!

Read full review

I have had the worst experience with HSBC in relation to this credit card. With other credit cards I have had in the past, the application was fairly simple and was approved within a couple of weeks. I decided to get rid of my other card as I use Star Alliance all the time for regular travel, so wanted this card to maximize points. The application process took more than 10 weeks, with them asking me to provide a new document each week, I have wasted so much time on the phone with them. This is all despite the fact I have a sizable savings account balance with them and my salary going directly into my HSBC savings account (so they can see everything anyway). I don’t recommend HSBC credit cards to anyone, don’t waste your time!

Price
2/10
Features
6/10
Customer service
1/10
Convenience
1/10
Trust
2/10
Less
Johanna, South Australia, reviewed about 1 year ago

What do you need to apply for a HSBC credit card?

Once you’ve had a careful look at the different HSBC Credit Cards available and selected the one that works out best for you, click on the ‘Go to site’ button on Mozo to reach HSBC’s website directly.

The website will then help you get started with the application process, which is quite straightforward. The online application form will require you to punch in some information like your contact details and identity proofs such as a driver’s licence, passport or birth certificate. You’ll also need to be at least 18 years of age, have a specified minimum annual income (which varied for the different cards) and be an Australian resident for taxation purposes.

Credit card quick links