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HSBC credit cards

HSBC Bank Australia Ltd (HSBC) is part of the HSBC Group - one of the largest banking and financial services organisations in the world. The Australian arm is a subsidiary of The Hong Kong and Shanghai Banking Corporation Limited and also part of the HSBC Group.

Their offices and branches can be found on five continents. Operations in Australia include trade finance, electronic banking, investments, securities custodies and personal financial services.

Their full range of personal finance currently includes savings accounts, credit cards, investments, insurance, mortgages and personal lending. 

HSBC customers can reach customer support by contacting them via:

  • Customer service (phone, email, branch)
  • Mobile app
  • Online banking
  • Mobile banking staff

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Why choose HSBC


  • Global brand
  • Frequent flyer program
  • Complementary travel insurance


  • Fees may be moderate to high
  • Purchase rates may be moderate to high

HSBC Credit Cards

HSBC offers a variety of credit card options, including:

  • Low interest 
  • Low fees
  • Low credit limit
  • Balance transfer
  • Rewards program
  • Frequent flyer program
  • Travel privileges
  • Platinum 

HSBC credit cards come with a wide range of interest rates, from their low interest credit cards to their platinum rewards cards. They also offer customers the option of low fee credit cards and low credit limit cards.

HSBC also offers points chasers the option of its rewards program or frequent flyer program (linked to Qantas). Some credit cards also come with complementary travel insurance. 

However, points may be capped at a certain limit per statement, so keep this in mind if you’re trying to earn as many points as possible.

HSBC offers credit cards for almost every customer. As with the bigger institutions, there may be smaller credit card providers which offer lower purchase rate options. However, choosing a HSBC credit card is also about choosing a provider with access to multiple forms of customer service, not just in Australia but across the globe. 

For Aussies who rarely, if ever, pay interest on their credit cards, HSBC’s low fee credit card may be a competitive choice. If you’re not having to worry about paying interest, then keeping down fees may be a good idea to keep credit card costs down overall. 

HSBC offers customers a rewards program, as well as a frequent flyer program with an affiliation with Qantas, Australia’s largest airline. The ability to earn platinum services and frequent flyer points through Qantas may be a draw for Aussies who frequently travel. 

Speaking of travel, HSBC also offers complimentary domestic and international travel insurance on some of its credit cards. This can be a helpful resource as travel insurance is often quite costly. 

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.