HSBC No Annual Fee Credit Card

Showing 35 questions

1. 

   Vesna

   May 20th, 2013 at 12:56pm

   I am going overseas and I need a credit card with a smaller limit ($1,000) and no annual fee.

   Can I use this credit card overseas?

   How long does it take to be approved.

   Thank you

   Regards

   Vesna

• 

  Tom

  May 20th, 2013 at 1:50pm

  Hi Vesna, you can use this card overseas, or wherever Visa is accepted. It may take a couple of days to be approved and up to two weeks to receive the card.

2. 

   Steve

   May 13th, 2013 at 4:43pm

   Hi Guys,

   Just getting my first credit card and looking some simple answers to the following:

   1.) If I take out a cash advance say $100, is the interest rate of 21.99% charged on this every day of the monthly statement or just once per month? So I would have to pay $121.99 off at the month?

   2.) What is the annual fee (I know its 0% here) – is this just a normal annual charge for the use of the card?

   3.) What is the balance transfer rate?

   Thanks Guys

• 

  Tom

  May 13th, 2013 at 5:47pm

  Hi Steve, the interest is an annual percentage rate, but calculated daily and charged monthly. You can work it out by dividing 21.99% by 365 days of the year. Remember that it will accumulate each month as you’re charged interest on the total outstanding to pay, which is the original $100 + each monthly interest charge on top of that. The annual fee is a standard charge for use of a credit card. There is no annual fee on this particular card. The balance transfer rate is 0% for 6 months, which then reverts to the cash advance rate at the end of that 6 months.

3. 

   Louise Phillimore

   May 9th, 2013 at 4:38pm

   Does this card give you free Travel Insurance?

• 

  Tom

  May 9th, 2013 at 5:01pm

  Hi Louise, no it does not. The other HSBC cards do – see our travel insurance article for more information on credit cards with free travel insurance.

4. 

   Phil

   May 9th, 2013 at 11:54am

   Looking at going overseas soon so want to know the fees associated with overseas purchases please

• 

  Tom

  May 9th, 2013 at 4:21pm

  Hi Phil, HSBC charge 3% of the purchase value. See here for the full range of overseas transaction charges.

5. 

   Jo

   May 6th, 2013 at 1:58pm

   I need a credit card with no overseas charges. We are going to Phuket and would like to take an extra card with us but with no penalties for using it overseas Thank you Jo

• 

  Tom

  May 6th, 2013 at 4:55pm

  Hi Jo, please see here for information on cards without overseas charges

6. 

   Hal

   April 23rd, 2013 at 11:36am

   would you have a credit card with a 500 doller monthly limit ?

• 

  Roland

  April 23rd, 2013 at 2:08pm

  Hi Hal, there are cards available with a minimum credit limit as low as $500. In fact the minimum credit limit is listed in every single card page on the features table with us. It is true that many many cards start with a credit limit of $1000, but the Commonwealth Bank and Westpac, for example, don’t specify any minimum credit limit for their standard cards.You simply need to have a quick look at the card page and where there is a credit limit we let you know what it is (for quick access go to ‘compare by bank’ up the top then select the name of any bank or card issuer you’re interested in. The NAB Low Rate card also as a minimum credit limit of $500. Good luck!

7. 

   Kate

   April 20th, 2013 at 11:58am

   Is there any fee for additional cardholders?

• 

  Roland

  April 22nd, 2013 at 8:58am

  Hi Kate, no there is no additional cardholder fee for this card either

8. 

   Serge Chan

   April 20th, 2013 at 9:44am

   progress of application 2013109000293?

• 

  Roland

  April 22nd, 2013 at 8:47am

  Hi Serge, unfortunately all applications are handled directly by the bank involved, so you would need to contact HSBC via the details you would have received in the e-mail and give the bank your details to find out the status. Good luck!!

9. 

   shane murry

   April 17th, 2013 at 4:28pm

   what card will let me cash advance after aproval

• 

  Roland

  April 18th, 2013 at 8:19am

  Hi Shane, any card will allow you to withdraw cash from the ATM, but you will need to watch the interest rate for cash advances. In most cases it is more than 20% – including with HSBC where you will be paying 21.99% interest immediately on any cash you withdraw. That’s why it is only advised to use a cash advance if you can pay the balance back immediately.

10. 

    shane murry

    April 17th, 2013 at 4:21pm

    can i get up to $1000 cash instantly after aproval

• 

  Roland

  April 18th, 2013 at 8:19am

  Hi Shane, you would have to wait until your card arrives to withdraw any cash, and please see our other response about the dangers of using a cash advance.

11. 

    Christopher

    April 15th, 2013 at 3:21pm

    Hello,
    I will be travelling to the USA in June this
    year and I am looking to take a credit card for some extra spenidng money, I need a credit card that wil not charge me high fees on purchases overseas as I will be making lots of small purchases whilst I am travelling could you recomend a credit card to best take overseas thank you

• 

  Roland

  April 15th, 2013 at 5:24pm

  Hi Christopher – you will want to start here with our no foreign transaction fees card table. There are five right up the top there which don’t charge foreign transaction fees. We’ve also listed the fees which other providers do charge, so you can check and compare those too. All in all we think this will help you answer your question, and if you have any others we’re always here to try and help!

12. 

    David Rathbone

    April 12th, 2013 at 3:29pm

    Is this card user friendly in Europe (Paris & Berlin) and Russia?

    Does this card attract fees for use overseas
    I.e. Currency conversion fees, ATM use fees or international transaction fees?

    Does this card have a 24hr online support service?

• 

  Roland

  April 12th, 2013 at 3:47pm

  Hi David, this card can be used anywhere that Visa cards are accepted, so Europe should not be a great difficulty. You can also double check on the Visa website how many outlets there are on different continents or in different countries. In terms of currency conversion fees, you pay a 3% fee with this card (3% of the value of the transaction). To find out more about this you should really read our table on international transaction fees from different providers. It’s a really handy reference to show you what different card providers charge and which don’t charge any conversion fee. There is access to online account services 24/7. This includes checking balances and transactions, requesting a credit limit increase or making an application, sending an online enquiry and viewing rewards etc. Hope that helps.

13. 

    Enrico Brown

    April 5th, 2013 at 9:43pm

    Do you charge an “Overseas Transaction Fee”

• 

  Roland

  April 8th, 2013 at 9:55am

  HI Enrico, HSBC charges an overseas transaction fee – it is 3% of the value of the transaction. This is payable when you make a transaction in a currency other than AUD or one in AUD which is billed outside Australia. If you are interested in these types of fees, you might want to compare cards with no international transaction fees and look at what the other banks charge.

14. 

    Graham Spottiswood

    April 2nd, 2013 at 6:57pm

    Does the HSBC no fee credit card allow use on Palpal and for internet shopping? Is it accepted by Apple on Itunes?
    Graham

• 

  Roland

  April 3rd, 2013 at 9:14am

  Hi Graham, yes you can use any credit card or bank account with PayPal, and credit cards are accepted by Apple. We’ve also written about linking your credit card to your Apple ID. Have a read of our article and it should get you thinking about the things you need to be aware of when transacting online: http://www.creditcard.com.au/should-you-use-your-credit-card-for-your-apple-id/ – the tips and FAQ sections of the blog, as well as the fraud section all have articles relevant to shopping online which might be useful for you too.

15. 

    Graham Spottiswood

    April 1st, 2013 at 1:21pm

    Can this card be used on internet shopping e.g. on ebay or with apple i tunes?

• 

  Roland

  April 2nd, 2013 at 11:25am

  Hi Graham, yes, this credit card can be used for online purchases or linked to an iTunes account. You may want to investigate cards such as the Bankwest Breeze and Aussie Low Rate Platinum, which are low on transaction and currency conversion fees and designed for people who use their credit cards to shop online. We;ve also written an article on using a credit card linked to your Apple ID, you can read it here: http://www.creditcard.com.au/should-you-use-your-credit-card-for-your-apple-id/

16. 

    mariusz

    March 27th, 2013 at 2:56pm

    I am new to Au , working for 1 month now. I have good history with HSBC from UK . Can I apply now for the credit card?

• 

  Roland

  March 28th, 2013 at 8:53am

  Hi Mariusz, your credit history within the UK will not be relevant to any Australian bank, as they do not talk to banks from overseas. You will need to prove your creditworthiness in Australia, including your income and ability to pay any other existing loans or financial obligations. Generally one month is not long enough to establish a good credit history. If you are here on a 457 visa, you might like to read our article on credit cards for 457 visa holders. It explains which credit cards might be suitable for you if you in that case, and you could find out from those issuers how long you need to have been in Australia to apply. Here’s the link: http://www.creditcard.com.au/457-visa-holders-credit-cards/

17. 

    Liz Micallef

    March 19th, 2013 at 12:41pm

    I have the same question as Jenny 24/1/13
    How do I find out who the retailers are re interest free for up to 5 yrs on new products?

    As I have a GE interest fee card which I use when I purchase large items from Harvey Norman or where the interest fee on GE cards but they charge an admin fee of 4.95 per mth on your balance so HSBC is a better card in that respect

• 

  Roland

  March 19th, 2013 at 2:23pm

  Hi Liz, there is a list on the HSBC website but it is only the major retailers such as Bing Lee, Snooze, JBHiFi etc. We also called up and asked for this list, as one of our staff members has this card. We were simply told to ask at a store we wanted to purchase at whether they accept this card (if the store is advertising interest free promotions). We were told in a personal capacity that they don’t send out a list of all the retailers, so it’s up to you to ask in-store. Sorry we can’t be of further help with this, but at least it seems it could be worth asking.

18. 

    Anne Hoyle

    March 12th, 2013 at 11:01pm

    I already have a CC – can I transfer a balance from another card for 0%

• 

  Roland

  March 13th, 2013 at 8:46am

  Hi Anne, yes you can transfer the balance from another credit card onto this card, so long as your existing credit card is not with HSBC. A non-HSBC credit card balance can be transferred onto this card for 0% interest for six months.

19. 

    Alan

    March 12th, 2013 at 10:36pm

    Hi
    I have applied for this card, but didn’t see provision for / fields to apply for additional cards.
    Please advise.
    Thanks

• 

  Roland

  March 13th, 2013 at 8:51am

  Hi Alan, the additional cardholder form is a separate form you can fill out when you are an existing HSBC customer and have your card. The form is on the HSBC website, under ‘forms and documents – forms for existing customers’. Alternatively you can call the bank.

20. 

    nikki

    March 10th, 2013 at 11:25pm

    Hi, can I request a balance transfer to this card from a loan account (e.g. personal or car loan with another bank)?

• 

  Roland

  March 11th, 2013 at 8:17am

  Hi Nikki, HSBC does not accept balance transfers from a personal loan account. Non-HSBC credit cards or store cards are accepted. Citibank does accept balance transfers from personal loan accounts, so you could have a look at what other options are available.

21. 

    Kelly

    March 8th, 2013 at 2:41pm

    Hi,
    If I have a current Woolworths Money visa card am I able to still get the 0% transfer rate?
    Kelly

• 

  Roland

  March 11th, 2013 at 8:41am

  HI Kelly, unfortunately not as HSBC is the underwriter for Woolworths cards. You would have to look for cards not with Woolworths or HSBC to be eligible for a promotional rate.

22. 

    　Tammy

    March 5th, 2013 at 8:01pm

    I used to have a HSBC credit card but is no longer a customer of HSBC and do not have any existing HSBC credit cards. Would I still be eligible for this 6 month interest free balance transfer offer?

• 

  Roland

  March 11th, 2013 at 9:26am

  Hi Tammy, We did not hear back from an e-mail to HSBC about this, so on phoning, we were told that generally HSBC would treat someone who has closed a card account previously as a new customer. We were advised that if you were applying for the same type of card again, such as an in-store finance with one of their partner retailers, the credit team may look at whether you have previously had a balance transfer offer at 0%, but this might not mean the application is rejected. Hope that helps.

23. 

    PETER

    March 1st, 2013 at 6:12am

    hi,
    can you please advise if you can balance transfer from another card provider to a 0% rate for 6 months to a existing HSBC Visa Card or is it for new card ‘s only thanks

• 

  Roland

  March 1st, 2013 at 9:06am

  Hi Peter, the balance transfer rate is for new customers only. You could have a look for other offers with other banks, or you could speak to HSBC about what rate they will offer on internal balance transfers. Hope that helps.

24. 

    Sonia

    February 28th, 2013 at 12:18pm

    Are international credit card balances able to be transferred to this card?

• 

  Roland

  February 28th, 2013 at 3:50pm

  Hi Sonia – generally only Australian credit cards are eligible for balance transfers with Australian banks. We are not aware of any cards we feature where this is not the case, however we will double check this with HSBC and post a note if we find out any different.

25. 

    Chrissy Jackholme

    February 13th, 2013 at 7:55am

    I have an existing HSBC with an available credit so am I able to do a 0% balance transfer to eliminate another credit card? Can you help with this?

• 

  Roland

  February 13th, 2013 at 8:50am

  Hi Chrissy, we certainly can help with that. If you have an existing HSBC credit card, you would need to transfer the other balance to a card with a different bank to enjoy a 0% rate. These offers exist so that banks can entice new customers away from the competition, so that’s how they work. Unfortunately as you are an existing HSBC customer promotional balance transfer offers from HSBC won’t apply to you.

  You can browse through the offers we have from a range of other providers, and there are other 0% balance transfer offers currently on the market. There are also balance transfer offers available with incredibly low rates, such as 1% or 2.5% for a longer period – check them out on the balance transfer table. You can also compare cards by bank from our home page by clicking on the first blue tab next to the search bar.
  Best of luck with your search and remember we’re here if you have any other questions!

26. 

    Dave

    February 9th, 2013 at 2:08pm

    I was looking for a visa card with no annual fee, as it will be geared more towards emergency / very light use. With this in mind I was not to concerned with 0% transfers ect,
    what would be your pick?

• 

  Roland

  February 11th, 2013 at 9:06am

  Hi Dave, well done on your plans to use your credit card sensibly and not carry any balance! We have a whole table devoted to cards with no annual fee, and the HSBC sits at the top because it is the one we have chosen to feature and it remains very popular with visitors. There are others though, so check them all out (it won’t take that long, promise). For a card which charges no annual fee ever, and offers you the choice to shop with so many partner retailers with extended interest free periods suite someone who is good at managing their repayments and making sure they don’t carry any debt. The next one down, the Bankwest Zero Platinum card doesn’t include so many choices for interest free shopping, however you also get to enjoy the fact there are no foreign transaction fees ever with this card AS WELL as no annual fee ever, so if you are inclined to shop online, to travel and use your card overseas etc this would be a card well worth looking at. For something that sits between those two, the current offer on the American Express Qantas Discovery credit card means that you can have no annual fee plus enjoy 0% for six months in purchases, so you could potentially give yourself six months to pay off what you do spend on the card (do remember you will have to have paid it all off within the six months, no exceptions, because after that time purchases are charged at the prevailing interest rate which is more likely to be close to 20% or so.

  Simply click to expand the reviews on any of these cards, or select ‘find out more’ from underneath the card’s picture to read the other details, or to check out other cards in closer detail.

  Best of luck choosing the card that’s right for you.

27. 

    Anne Noble

    February 6th, 2013 at 7:24am

    which ATM’s are used for HSBC credit cards

• 

  Roland

  February 6th, 2013 at 10:06am

  Hi Anne, you are not restricted to any particular ATM to withdraw money, however non-HSBC ATMs will incur the usual surcharge for withdrawing cash (this varies from about $1.50 to $3.50 or something in between). The HSBC website has an ATM locator tool in the personal banking section so you are able to look up where ATMs are located.

28. 

    F van Prooijen

    February 1st, 2013 at 8:45pm

    is there a minimum credit limit that can be set for a
    HSBC credit card

• 

  Roland

  February 4th, 2013 at 11:07am

  Hi, there is no minimum credit limit specified for this card, and you are able to request a maximum credit limit on the application form, or let HSBC assign a credit limit based on its lending criteria and what it thinks you can afford.

29. 

    Patrick

    January 27th, 2013 at 8:44pm

    please advise what the period is for HSBC to receive my credit card repayment if I make my payment in person at an Australia Post Office.
    There is a period of at least two business days for HSBC to receive payments made by BPay. Thank you. Please reply urgently.

• 

  Roland

  January 29th, 2013 at 11:08am

  Hi Patrick, we’re told for HSBC its 2 business days for a BPay payment and 1-3 business days for an Australian Post Office payment. The post office may be quicker in cities compared to rural areas. Please check with them for their estimated payment times.

30. 

    Jenny

    January 24th, 2013 at 4:30pm

    How do I find out who the retailers are re interest free for up to 5 yrs on new products?

31. 

    Joe Marco Angele

    January 20th, 2013 at 11:17am

    WHAT TXN FEES ARE INCLUDED ON INTERNATIONAL TRANSACTIONS

• 

  Roland

  January 21st, 2013 at 8:24am

  Hi Joe, HSBC charges 3% on international transactions.

32. 

    sandra allen

    January 14th, 2013 at 11:21am

    i have just put in application for card. My computer decided to shut down & do update just as i had submitted application. Not sure if all went through before it shut doen. Coulkd you please let me know if application went through. asap thanks

• 

  Roland

  January 14th, 2013 at 2:07pm

  Hi Sandra, sorry to hear that! I’m afraid you’ll have to contact HSBC to check. We do not capture card application information from our site, we re-direct you directly to the HSBC online application.

33. 

    vicki

    January 10th, 2013 at 8:02pm

    is this card able to be used in the USA? and is it overseas friendly?

• 

  Roland

  January 11th, 2013 at 9:13am

  Hi Vicki, yes, anywhere that Visa is accepted. You will get charged 3% for overseas transactions on all HSBC credit cards (most card’s have this charge). If you want to, you could also consider these travel friendly cards

34. 

    sandra allen

    January 10th, 2013 at 11:56am

    We don’t have a HSBC branch near us, can I BPay the payments or pay at a Post Office?

• 

  Tom

  January 10th, 2013 at 12:17pm

  Hi Sandra, yes you can use both BPay or the Post Office to pay HSBC credit cards.

35. 

    Mark

    January 8th, 2013 at 8:17am

    Will I ever have to pay an annual fee with this card?

• 

  Roland

  January 8th, 2013 at 8:19am

  Hi Mark, With a no annual fee card you will never have to pay an annual fee. This is one of the key advantages of this card.