HSBC Star Alliance Credit Card

On HSBC's website

HSBC Star Alliance Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Highlights

  • Accelerate your journey to Star Alliance Gold Status by spending $4,000 or more on qualifying purchases within the initial 90 days of account opening. Terms and Conditions apply.
  • Pay no annual fee in the inaugural year ($450 p.a. thereafter).
  • Gain 1 point per $1 spent, up to $3,000 per statement period; thereafter, earn 0.5 points.

Pros and cons

Pros

  • $0 annual fee for the first year.
  • Enjoy 0% p.a. on balance transfers for 12 months with a 2% balance transfer fee.
  • Convert your Star Alliance points to frequent flyer points with 7 alliance member airlines.
  • Includes complimentary travel insurance and purchase protection insurance.

Cons

  • The annual fee reverts to $450 after the initial year.
  • You have to spend at least $60,000 annually to maintain Gold member status after the first year.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
No

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$75,000.00
Temporary Residents Accepted
Yes

Additional cardholders

Additional Cardholders
9
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$6,000.00
Maximum Credit Limit
$25,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
2%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
90%
Balance Transfer Revert Rate
21.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.99% p.a.

Account fees

Annual Fee Initial Year
$0.00
Annual Fee Ongoing
$450.00
Dishonour Fee
$30.00
Duplicate Statement Fee
$8.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
Star Alliance
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
36 months

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
Yes
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

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