HSBC Credit Cards

To help you choose the HSBC credit card deal which is the best for you, view our comparison table. When you have settled on the credit card deal which meets your needs and budget, follow the secure link directly to an online application form to start enjoying the benefits of an international bank at home.

Compare HSBC Credit Cards

Credit Card	Card Details	Interest Rate p.a.	Cash Advance Rate p.a.	Balance Transfer Rate p.a.	Annual Fee	Interest Free Days (Up To)
HSBC Credit Card	With a balance transfer offer of 0% p.a. for 6 months and a no annual fee of $0 makes this card truly unique	16.99%	20.75%	0% for 6 months	$0	55	Apply » More »

When you are trying to choose the best credit card deal, you don’t always want to be bombarded with the choice of dozens of different credit cards, sometimes a provider who offers just two or three cards can meet your needs. Therefore, before you settle on a credit card deal, consider whether those offered by HSBC could be the best for you.

Types of HSBC Credit Cards

With just three cards on offer you may not think you have a lot of choice, but if you are looking for an affordable $0 annual fee card, or a high rewards gold card – or something in between – the HSBC range of credit card deals may have just what you’re looking for:

• No annual fee credit cards. The standard HSBC credit card has a $0 annual fee ongoing, and the gold card offers a fee waiver in the first year to get you started. Both cards offer long interest free periods, so if you use your card wisely, you can avoid paying fees, and avoid paying interest if you pay your balances down to zero within the interest free period – this can allow you to operate a virtually free credit card.
• Balance transfer offer. The same HSBC balance transfer deal is offered on their gold card and on their standard card, so you can choose the HSBC credit card you want to be using after your balance is repaid, so you will be able to remain in control, and not need a balance transfer again.
• Rewards credit card. The HSBC rewards program allows you to earn points towards gift vouchers, entertainment, travel and merchandise. Plus, you’ll earn points every time you use your card, and also have the opportunity to earn double or triple points when you spend with HSBC partners.
• Feature packed gold credit card. Your HSBC gold credit card can reward you with all the features you would expect from a gold card such as travel insurance and personalised direct service. There are also exclusive HSBC gold card benefits to help you manage your balance, such as being able to choose purchases to assign a low or 0% interest rate to, for a period of your choice.

Benefits of HSBC Credit Cards

Before you can decide whether a HSBC credit card is the best one for you, find out more about the benefits exclusive to HSBC which can assist you with managing your everyday finances, and securing a better credit card deal:

• HSBC is the world’s local bank. Yes, this is the bank’s promotional tag line, but it is important to consider if you make overseas transactions, travel a lot, or need to make international transfers. The HSBC overseas and international transaction fees are some of the most competitive, because the bank understands exactly what you need, to be able to use, send and receive money internationally.
• Headquartered in London with 35 Australian branches. This means you can benefit from the international experience of a global bank, but you can also visit a branch near you if you need to speak with a banking representative. Local branches of an international bank also make it easy if you need to visit HSBC to verify any paperwork that can’t be done online.
• Meaningful rewards at the supermarket. HSBC is also licensed to manage the Woolworths Everyday Money credit card so you can choose a rewards program that really helps in your everyday life. Groceries are an expense none of us can avoid, so you might as well enjoy benefits like gift vouchers when you accumulate up to 3 points for every $1 spent on your weekly shop.

Editors Choice: Best Credit Card Deals

Credit Card	Card Details	Interest Rate p.a.	Cash Advance Rate p.a.	Balance Transfer Rate p.a.	Annual Fee	Interest Free Days (Up To)
Suncorp Clear Options Standard	An excellent balance transfer offer of 1.9% p.a. for 12 months and a standard purchase rate of 12.24%	12.24%	17.99%	1.9% for 12 months	$39	0	Apply » More »
HSBC Credit Card	Excellent credit card, with a 0% p.a. for 6 months balance transfer offer, and pay $0 for the life of the card	16.99%	20.75%	0% for 6 months	$0	55	Apply » More »
Citibank Emirates Platinum Card	Enjoy 1.9% p.a. for 12 months on balance transfers as well as earn 3 Skywards Miles for every dollar spent, plus all the benefits & privileges of a platinum card.	20.74%	20.74%	1.9% for 12 months	$229	55	Apply » More »