HSBC Credit Cards | Comparison & Reviews of HSBC's Card Offers

HSBC Credit Cards

Use an HSBC balance transfer to save money and get your finances in order or start earning points as you spend towards free flights and upgrades.

0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
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HSBC Platinum Credit Card Balance Transfer Offer
Apply by 31 dec 19
Application
on HSBC's website
balance transfer
purchase rate
annual fee
Apply
HSBC Platinum Credit Card Balance Transfer Offer
Apply by 31 dec 19
0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
More info
Add to comparison
22 months
0% p.a.
then 21.99%
with a 0% fee
19.99% p.a.
ongoing
$129
ongoing

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Q&As about HSBC Credit Cards from customers

Why should I choose HSBC?

HSBC 'Hongkong and Shanghai Banking Corporation’ currently has more than 3 million customers worldwide that are served through a network of branches and Internet banking facilities. HSBC is currently headquartered in Canary Wharf, London, United Kingdom even though the bank was originally founded in 1865 by Scotsman Sir Thomas Sutherland when he was living in the former British colony Hong Kong.

Can I keep using my bank account and get an HSBC card?

Yes. You can keep using your existing bank account as usual and run your credit card with HSBC completely separately.

Will I be able to manage my account online?

Yes. In fact, HSBC have had an online banking solution since 2001.

Do HSBC offer telephone banking?

Yes. You can use their automated telephone banking or speak to a real person if you need to.

Can I transfer balances from one HSBC credit card to another?

No. You can only transfer balances from credit cards and store cards from other financial institutions. You can, however, make as many balance transfers as you like from third party credit cards and store cards.

How do I apply for a balance transfer?

New customers can apply for a balance transfer when they apply for a new HSBC credit card by completing the balance transfer section of the online application.

Can I have an HSBC credit card in joint names?

No, HSBC cards are only issued to one name. You can, however, request an additional card to be provided for an authorised friend or relative aged 16 years or over. You should be aware that the primary named cardholder is responsible for all expenses on any additional card.

Do they have any local branches?

The bank operates 36 offices and branches in Australia with HSBC Bank Australia headquarters located in Sydney.

What other services do they offer?

HSBC offers a wide range of products and services in Australia including personal, business, commercial, corporate and institutional banking, financial planning and advice, consumer finances, trade and export finances, payments and cash management, treasury and financial markets, and securities custody.

Individual customers can choose from a full range of personal banking services including accounts, personal loans, home loans, insurance, investment, financial planning and credit cards. HSBC business banking services include accounts, finances, trade and supply, insurance and international services. Personal and business customers can access and manage their accounts 24 hours a day, seven days a week, via internet and telephone banking services.

How long have HSBC been in Australia?

The Hongkong and Shanghai Banking Corporation Limited was established in Hong Kong at the time when the region was a colony of the British Empire. The bank was created with the aim of financing the growing trade between China and Europe in the aftermath of the First Opium War. The first branch opened for business in Hong Kong in March 1865, and in Shanghai one month later. The British Treasury awarded the bank a special dispensation to become incorporated in 1866, and the bank opened a new branch in Japan during the same year.

Under the leadership of Sir Thomas Jackson, who was chief manager from 1876 to 1902, The Hongkong and Shanghai Banking Corporation helped finance the development of Colonial Hong Kong and became a leader in Asian banking, managing British colonial accounts in China, Japan, Penang and Singapore. In the early 20th century, the bank expanded with new branches in Thailand and the Philippines. In 1935, a new head office building was constructed in Hong Kong.

The bank’s head office operations moved to London during the second world war, returning to Hong Kong in 1946. The 1950s and ’60s was a period of diversification for the bank – its first Australian operations began in 1965 with the establishment of HSBC Finance Company Limited. By this time, the bank was already working in the USA, the Middle East and India.

In 1986, HSBC Bank Australia was granted a full banking license. HSBC was one of the first foreign banks to enter Australia’s business banking sector, and one of the leading foreign institutions working in the country’s financial market. In the 1990s, HSBC Australia launched commercial and personal financial services, discount home loans and telephone banking. In 1997, HSBC credit cards were introduced to the Australian market.

In 2001, HSBC launched an internet banking service for its personal customers. In the same year the bank acquired NRMA Building Society Limited, and continued to expand in the Australian banking market. In 2010, HSBC started a major expansion of its retail operations, with plans including the opening of as many as 100 new branches in coming years.

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