Rating based on 41 reviews

HSBC Credit Card

  • Balance transfers
  • Earn points
  • Low-interest starting from 4.99%

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HSBC Bank homepage
Author HSBC Bank. Screenshot of HSBC Bank website.
[Accessed March 17, 2023]

About HSBC Bank

HSBC Group is among the largest providers of banking and financial products and services in the world.

The group has operations in 75 countries and territories on five continents. Its worldwide network consists of more than 6,300 offices in Europe, the Middle East, Asia, North and South America and North Africa.

Their two major partners

HSBC Australia and the branches in Hong Kong and Shanghai are the two principal partners of the company. Australians can thus feel assured that they are receiving credit card solutions from a trusted and established provider.

Beyond being a credit card provider, HSBC also offers personal loans, home loans and banking facilities. They are a well-known provider of top-class financial services in the area.

Choose which way you prefer to do banking

HSBC offers two different ways to do banking online and mobile banking. With online banking, clients can make transactions and track their finances quickly, conveniently, and securely. Clients can access online banking from anywhere and at any time. Other banking solutions available with online banking are checking balances, viewing transactions, transferring funds, and ordering statements.

Mobile banking is similar to online banking, but clients can download the HSBC mobile banking App instead of using the google browser. It is a much more organized and straightforward solution.

HSBC Bank Services

With an HSBC credit card in your pocket, you will enjoy perfect financial freedom and flexibility.

Shopping will be more convenient, and cash flow management will be much easier and more effective. HSBC offers a comprehensive selection of online credit cards designed to meet Australians' varying needs and lifestyles.

Expert financial planning solutions

Via its trade finance services, the group supports businesses of different sizes and various sectors of the economy. The range of services consists of financial markets services, cash and payments management and custody of securities.

Compare different credit cards 

Using the online application platform, clients can compare up to 4 credit cards at a time. HSBC offers five types of cards:

  • Premier rewards plus card-earn points for domestic and international spending
  • Premier Qantas reward credit card- Earn Qantas reward points for spending
  • Platinum credit card- 0% charged on balance transfers for 36 months
  • Platinum Qantas credit card- 20 000 bonus rewards points
  • Low-rate credit card- Receive a low-interest rate of 12.99%

Low fee credit cards - reasonable rates

Each of HSBC's card offers comes with attractive interest rates and reasonable fees. Once clients decide what card they want to apply for, they can complete the online application form in less than 5 minutes.

HSBC Bank – Credit card

  • Loan Type Credit cards
  • Interest Rate from 4.99%

Benefits of HSBC Bank

  • Apply for your credit card online
  • Balance transfer options
  • Conveniently change your card limit online

HSBC Bank Credit Cards - Get the credit benefits

HSBC is one of the world's largest banking and monetary organizations and a well-known supplier of credit card solutions in Sydney.

Currently, they have over 6 million satisfied individual and business customers, who are very happy with their services. The company speaks volumes for the business real and personal funding solution they accomplish throughout the country and the world.

HSBC aim and vision

  • To provide financial services to their customers with reasonable rates and terms.
  • Building trust and concentrating on service excellence
  • Offering services to customers that are accessible and transparent
  • Making it easy for clients to compare and apply for their credit cards.

How does credit card interest work

Interest on credit cards differs between the different types of cards and is influenced by the bank and transfer costs. All rates and fees get listed in each client's monthly HSBC credit card statement.

The different rates are all expressed as the Annual Percentage Rates(APR). Purchases APR is the introductory interest rate charged when clients don't pay off their closing balance in total, and on time.

HSBC interest-free credit card

HSBC offers clients the chance to save towards interest by providing an interest-free period for 60 months. How does this work? Those who know that they can keep up with their repayments can make the necessary purchase and then spread their repayments over 60 months and pay 0% towards interest.

How the reward system works

The reward points that clients accumulate can later get turned into cash and used for personal or travel use. The points can be redeemed for flights and accommodation or to plan a family holiday.

Criteria to apply for a credit card at HSBC

TO apply for a credit card, clients need to:

  • Be over the age of 18 and provide a copy of their ID or passport
  • A permanent Australian resident, with proof of residency
  • A valid, working phone number or email address
  • Proof of income and expenses for at least the past three months.
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HSBC Bank is a trusted & reliable provider of credit cards

In our review, HSBC Bank adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ HSBC Bank is a registered credit provider in Australia: ACL 232595

Customer Reviews & Testimonials

March 2019

Since HSBC is international, that means that their credit cards are too. If you are the type of person who finds themselves traveling a lot for leisure or work then I highly recommend an HSBC cre...

Jessica D
— Queenstown —

April 2019

HSBC are experts in the finance field; they offer professional financial planning services to help you the perfect fit for your credit card needs. They helped determine the perfect repayment sche...

Susan L
— Portland —

May 2019

If you are like me and prefer to do your research before choosing a product then you will love the HSBC website – they show variety of different credit card options along with their corresponding...

John A
— Derby —

HSBC Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed