Top of main content
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 year8 and International Travel Insurance9.
  • Earn 2 Rewards Plus points per dollar on eligible overseas purchases10 and 1 Rewards Plus point per dollar on all other eligible purchases10
  • 2 Airport Lounge passes per year with complimentary LoungeKey membership8
  • Complimentary Domestic and International Travel Insurance9
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.

Your choice of the offers

1. Long term balance transfer offer

  • 0% interest on Balance Transfers for 26 months1 (1% Balance Transfer Fee applies2)
  • $0 Annual Fee in the first year3

OR

2. Bonus Rewards Plus Points offer

  • 84,000 bonus Rewards Plus Points when you spend $3,000 on eligible purchases within 90 days from card approval4
  • 0% p.a. on Balance Transfer for 12 months (no BT Fee)and $129 Annual Fee
5-stars balance transfer credit card - Finder rewards 2020 and Canstar's Travel Money Card 5 Stars
Product image of HSBC Platinum Qantas Credit Card.

HSBC Platinum Qantas Credit Card

Enjoy 20,000 bonus Qantas Points5 and earn up to 1 Qantas Point per $1 spent on eligible purchases6.
  • 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days from card approval5
  • Earn 1 Qantas Point for every $1 of eligible spend, up to $1,000 per statement period6. Earn 0.5 Qantas Point for every $1 of eligible spend thereafter per statement period6
  • Complimentary Domestic and International Travel Insurance9
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
Canstar's Travel Money Card 5 Stars
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 fees11 
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 fee2
  • $99 Annual Fee
Canstar's Travel Money Card 5 Stars
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 limit7 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 limit7

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 when applying for the HSBC Credit Card. Your total balance transfers must not exceed 90% of your approved credit limit. The balance transfer must be from non-HSBC credit cards. After the promotional period any balance outstanding from the balance transfer will accrue interest at the variable cash advance rate applicable to your product. HSBC will allocate payments received from you to pay off the portion of your balance attracting 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 Platinum Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. Full HSBC Balance Transfer terms and conditions (PDF, 18 KB) apply.
  2. 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.
  3. The Platinum Annual Fee will be waived in the first year from the date of approval for customers taking up the 26 months balance transfer offer only. The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Platinum credit card Annual Fee is currently $129 but is subject to change.
  4. To be eligible for the bonus Rewards Plus Points offer, you must apply and be approved for a new HSBC Platinum Credit Card. You will receive 84,000 bonus Rewards Plus 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 84,000 bonus Rewards Plus Points will be credited to your Rewards Plus Account within 60 days of meeting the spend criteria, provided that your account is active and not in arrears. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held any Rewards Plus card types within the last 12 months are ineligible for this offer. Not available in conjunction with any other offer. Gift Card values correct as at 3 November 2020. Points values & stock levels subject to change. Check hsbc.com.au/rewards
  5. 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.
  6. 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.
  7. 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.
  8. Airport Lounge Passes terms and conditions apply. Visit View HSBC credit cards terms and conditions for full details.
  9. 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.hsbc.com.au. 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.
  10. 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.
  11. 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.