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HSBC Star Alliance Credit Card
- Special
- Apple & Google Pay
- Balance transfer
Fast track your way to Star Alliance Gold Status when you apply for the HSBC Star Alliance Credit Card and spend $4,000 or more on eligible purchases in the first 90 days from account opening. Includes $0 annual fee in the first year ($450 p.a. thereafter) and earn uncapped Star Alliance points. *Fees, charges, eligibility criteria and T&C's apply.
In addition, 0% p.a. interest on Balance Transfers for 12 months with 2% Balance Transfer Fee. Available to new, approved customers who apply for the HSBC Star Alliance Credit Card. Offer is not available for product transfers or in conjunction with any other offer. HSBC may change or end this offer at any time.
Purchase rate p.a.
19.99%
Balance transfer rate
0%
Annual fee
$0
for 12 months then $450 thereafter
HSBC Star Alliance Credit Card
- Special
- Apple & Google Pay
- Balance transfer
Purchase rate p.a.
19.99%
Balance transfer rate
0%
Annual fee
$0
for 12 months then $450 thereafter
RateCity says
"This credit card suits eager travellers intent on acquiring Star Alliance points and rewards. It includes lounge access, travel and transit insurance, fraud protection, and boasts a $0 annual fee for the first 12 months."
Pros and Cons
For HSBC Star Alliance Credit Card
Benefits
- Rewards Available through Star Alliance Rewards
- $0 annual fee in the first 12 months and $450 p.a thereafter.
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Airport lounge
- Fraud protection
- Rental vehicle excess in Australia insurance
- Transit accident insurance
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
HSBC Rate Credit Card overview
For Star Alliance Credit Card
Details
Card level
Standard
Card type
Visa
Interest free days
55
Minimum monthly repayment
3% or $20
Minimum credit limit
$6,000
Maximum credit limit
$0
Free supplementary cards
Instant approval
Target Market Determination
Visit HSBC Bank Australia Limited to view Target Market Determination.
Fees
Annual fee
$0
for 12 months then $450 thereafter
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$30
Over limit fee
$30
Duplicate statement fee
$8
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
19.99%
Cash advance rate
21.99%
Cash advance fee
3% or $4
Balance Transfer
Balance transfer rate
0%
Transfer limit
90%
of the approved credit limit
Balance transfer fee
2%
Overseas spending
Foreign exchange fee
Overseas charges
$4
Estimated ATM cost
$13
for AU $300 withdrawal
Rewards
Program name
Star Alliance Rewards
Rewards available
Eligibility
Minimum age
18
Minimum income
$75,000
Eligibility conditions
Have a good credit rating
Residency
Australia CitizenPermanent Resident
Perks
Complimentary
T&Cs and eligibility criteria apply
Other Restrictions
The full PDS outlining the details of all the insurance benefits included with the HSBC Star Alliance Credit Card can be found https://www.hsbc.com.au/content/dam/hsbc/au/docs/credit-cards/star-alliance-insurance-tc.pdf
