1. Home
  2. HSBC Credit Cards

HSBC Credit Cards

Updated 27 January 2022

With a presence in over 80 countries throughout the world, HSBC is a globally recognised financial services provider. With a focus on providing excellent financial products and customer service, HSBC is a name to depend on when it comes to credit cards. From rewards to great introductory offers, take a look at what's on offer at HSBC.

While it may have started out life in Hong Kong in 1865, HSBC didn’t find its way to Australia until 1965. Even then, it was only awarded a commercial banking licence here in 1986. Today, HSBC serves Australians via a national network of branches, providing services throughout a range of sectors, including financial planning and retail and commercial banking. Within the retail banking sector is the bank’s selection of credit cards that you can see on the page below. As one of the world’s largest banking and financial services organisations, HSBC has a presence in 66 countries and territories in Europe, Asia, the Middle East and Africa, North America and Latin America. Wherever the bank is based, it focuses on the local community, not just in the banking services it provides, but in the support it offers. Back in 2017, HSBC contributed US $136 million to charities and non-profit organisations around the world, and in Australia, this has gone towards supporting Indigenous Australians and the country’s disadvantaged youth, while also working on future sustainability. If you’re interested in becoming a part of this multi-national organisation by applying to be a cardholder, check out the range of HSBC cards below. There is low rate options for cardholders who like to keep things somewhat simple, and there are premium cards that offer more in the way of features and rewards. Cardholders can enjoy some fantastic travel-related extras, and have the opportunity to earn points on the Qantas program as well.
read moreclose ›

145 reviews for 4 cards listed
CreditCard.com.au as seen on
  • 7News
  • 9News
  • Studio 10
  • The Sydney Morning Herald
  • News.com.au
Filter your savings Calculate your savings icon

HSBC Platinum Credit Card – 0% Balance Transfer Offer

9 reviews
$0 saved over 36 months

HSBC Low Rate Credit Card

123 reviews
$0 saved over 20 months

1 review
points earned over 12 months

12 reviews
points earned over 12 months

Growing up with HSBC

Despite being headquartered in London, HSBC has been part of Australia's financial landscape since 1965 and has grown to be a trusted name by Australians all over the country. Determined to provide a range of outstanding financial products, HSBC brings you a selection of excellent credit cards.

About HSBC Credit Cards

The HSBC Low Rate Credit Card is a great choice as an everyday credit card. You can benefit from competitive rates and a range of privileges from the HSBC home&Away program.

For rewards, try the HSBC Qantas Platinum card, perfect for frequent travellers with Qantas and its partner airlines. Or for more Platinum perks, check out the HSBC Platinum card, with access to rewards, special offers and privileges. Both Platinum cards come with a 24/7 Platinum Concierge service.

The HSBC rewards program is called Rewards Plus, and it is available with some HSBC credit cards.
Rewards Plus points can be redeemed for different products and services:
  • Flights, travel and accommodation
  • Shopping and entertainment vouchers
  • Financial rebates
  • Wine program
  • Points may also be redeemed for cashback or vouchers
The travel rewards are offered with Travel Plus, and Rewards Plus points can be used towards flights with any airline at any time. You can earn bonus points when you use your card with bonus partners throughout Australia.

HSBC offers points towards any flight, any time with Travel Plus, and also a separate frequent flyer scheme through the Qantas frequent flyer program.

Travel Plus is offered with the HSBC rewards program, Rewards Plus. Rewards Plus points can also be redeemed for travel related services such as accommodation, rail and coach travel and package holidays.

If you are interested in Qantas Frequent Flyer points, HSBC offers the HSBC Platinum Qantas Rewards card; points earned are transferred directly to Qantas. You need to be a Qantas Frequent Flyer member and link your account to HSBC.

Yes. The balance transfer rate, terms of offer and checklist for the application are featured on the card page of every HSBC card we feature. If a HSBC credit card doesn’t offer a balance transfer, it will say N/A. Remember that the promotional balance transfer rate will only be available to non-HSBC customers, you cannot transfer an outstanding balance on a HSBC credit card.

To find out what other balance transfer offers are available from other banks; simply have a look at our balance transfer credit cards.

To apply for a HSBC credit card you need to provide similar documents as for credit cards from other providers. You should make sure you meet the eligibility criteria we have listed next to each HSBC credit card before applying, and when filling in the form you should have to hand:
  • Your employment details, including a contact number for HR department
  • Details of your existing credit cards and loans or debt obligations (card numbers, account numbers and BSB, amount owing and statements)
  • Identification – drivers’ licence/passport/Medicare or other bank card or ID card
  • Details for previous employers and your previous addresses

Recently Asked Questions

Something you need to know? Ask our credit card expert a question.

Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

16 questions (showing the latest 10 Q&As)

jamie

jamie

9 August 2021
exchange rate cost
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 August 2021
    Hi Jamie, thanks for your question! Exchange rates fluctuate constantly so I suggest checking on the bank’s official site for their real time exchange rates.
ashwini

ashwini

30 March 2020
I want to complete my application which i started a week ago. how can i do that?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 March 2020
    Hi Ashwini, do you have an application number and the details? If yes then you should be able to complete. If no, then its likely you will have to start again.
Tarryn

Tarryn

3 February 2020
I have an account with HSBC Hong Kong. A local vendor has asked me to use BPay to make a payment and I need to use my HK credit card. Can I do that? Or can I only use BPay with a local credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 February 2020
    Hi Tarryn, I do not think you can make a bpay payment with an overseas credit card. You would need some type of local account here to be able to do a bpay. You typically would do it through your online banking in Australia. You may just have to do an international transfer instead. Many bpay payments cannot be done with a credit card. If they are, they are considered a cash advance. Sounds like the local merchant wants to be paid from a bank account.
David Chia

David Chia

27 December 2017
Hi, do you know whether I can use HSBC Premier credit cards for BPay transactions?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 December 2017
    Hi David, yes you should be able to. Though some providers will not allow bpay payments from credit cards.
Maxine

Maxine

8 July 2017
I have a Banksa credit card & want to transfer to a 0% balance transfer & 0% transfer fee credit card. Which banks / cards I can't switch to?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 July 2017
    Hi Maxine, BankSA is part of the St George group therefore Westpac, St George, Bank Of Melbourne are all banks that you cannot transfer 2. HSBC is all good though.
Brett gordo

Brett gordo

9 December 2015
HI there i just have a standard HSBC CREDIT CARD can i transfer over to a plantinum card i earn 52k a year gross would i be eligiable to transfer to plantitum
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 December 2015
    Hi Brett - the HSBC Platinum has a minimum income of 40k, therefore you meet that requirement. If you have good credit, then its worth applying. With no annual fee on the platinum and all the extra benefits it makes sense to switch from the standard HSBC card. Best of luck with your application.
Malcolm Lau

Malcolm Lau

26 September 2015
Do I get travel insurance cover when I purchase my ticket through my credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 September 2015
    Hi Malcolm - depends on what HSBC card you have. There is complimentary travel insurance with the Platinum and Qantas product range. I have found a PDF on the HSBC site that provides full detail of the travel insurance on these cards.
liz

liz

8 August 2014
what is the limit on cash advance from HSBC credit card but I have my money elsewhere thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 August 2014
    If you go into a branch you should be able to cash advance close to your limit over the counter though the interest if high, 20%+ and there are no interest free days. This would be only a very short term option but still cheaper than a payday loan.
Edward Dickson

Edward Dickson

8 April 2014
We are travelling to Europe in May / June 2014 are there any ATMs I can use my card at and minimise fees? I have the Qantas platinum card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 April 2014
    Hi Edward, HSBC does not disclose any particular ATMs as cheaper for their cards. All ATMs will show the additional transaction fee at time of use - be sure to keep an eye on this to find the cheapest.
sanjla sanjla

sanjla sanjla

31 March 2014
i applied for credit card 1 week ago .still didnt receive any message.thx
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 March 2014
    Hi Sanjla, the application process may take anywhere from 2 weeks to clear. It would be best to call up HSBC directly to follow up with your application as they may require further information from you.
Kevin Young

Kevin Young

3 December 2013
Have received my pin no. notification but no credit card. When can this be expected?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2013
    Hi Kevin, you will need to contact HSBC directly to find this out. Their number is 132 152
zaher

zaher

23 November 2013
my app ref no. zm0007332 cac not go through as my friend has only mob no. ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2013
    Hi Zaher, sorry we can't help with application issues once it's already lodged with the bank. If you contact HSBC they should be able to help, or you could resubmit the application online through your computer.
Kevin Gillard

Kevin Gillard

19 October 2013
I recently had my application for a platinum card rejected because my gross salary was taken as $59.5K after $22K salary sacrifice. My normal salary being $82K. The reason given was that my gross salary was not high enough. I do not have any credit issues whatsoever and it is rather disappointing to find that I have been disadvantaged due to my retirement preparation. I could delete the salary sacrifice for 2 weeks and I assume that my application would be approved, however, that would defeat the purpose and be rather devious. I would rather be up front and honest as this is how I am. I travel overseas 3 times per year and this card is equal to the Citibank card I presently have. I am not happy with Citibank and intend to cancel my card once I have set up a comparable card with another Company with similar benefits. The HSBC platinum card will give me these similar benefits. Could you please respond and confirm that this is your policy and I have not been disadvantaged for being with Citibank for such a long period of time. Kind regards Kevin Gillard.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 October 2013
    Hi Kevin, I'm afraid you'll need to contact HSBC directly and talk to them about this, I've tried to get in touch with them but they haven't responded to me.
Dixy

Dixy

3 October 2013
Do you have a credit card that don't charge foreign transaction fees?
John

John

18 September 2013
I want to apply for HSBC Platinum Qantas Credit Card? My salary is $54000 and I have a part time job I think it will reach $60000, am I eligible to apply for this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 September 2013
    Hi John, as long as you have proof of income for your second job and meet the income and other eligibility criteria (good credit history, permanent resident or citizen of Australia and over the age of 18) there should be nothing to stop your application. We can't say whether the bank will accept or reject anyone's individual application, but if you meet the basic eligibility there's no reason to think you should be denied. It is always up to the bank to assess your whole application on its own merits.
jodie

jodie

3 May 2013
i am on a pension can i applt for credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 May 2013
    Hi Jodie - it's not as simple as a yes or no answer in many cases. Credit cards are approved based on income, which a pension can provide if it is a low income credit card you're after. Why don't you take a look at our article on credit cards for pensioners and think about which ones to consider, there are some mentioned in there as well as some general advice. Best of luck!
Featured in
  • Studio 10
  • The Age
  • News.com.au
  • The Sydney Morning Herald
  • Herald Sun
  • telegraph
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.