Important disclosure

HSBC Bank Australia Limited

HSBC Low Rate Credit Card

  • Apple Pay
  • Balance transfer
  • Low annual fee
  • Instant approval

Balance Transfer

0% p.a. balance transfer for 20 months.

A 2% balance transfer fee applies.

Purchase Rate

12.99%

p.a

Balance Transfer Rate

0%

p.a

Tags
  • Apple Pay
  • Balance transfer
  • Low annual fee
  • Instant approval
Purchase Rate

12.99%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$99

Pros and cons

For Low Rate Credit Card

Benefits

  • Lower than average ongoing variable purchase rate
  • Domestic travel insurance
  • Free supplementary cards
  • Partner discounts

Drawbacks

  • No reward program

HSBC Rate Credit card overview

For Low Rate Credit Card

Details

Card Level

Standard

Card Type

Visa

Interest Free Days

55

Minimum monthly repayment

3% or $30

Minimum credit limit

$1k

Maximum credit limit

No set max

Free supplementary cards

Instant Approval

Target Market Determination

Visit HSBC Bank Australia Limited to view Target Market Determination.

Fees

Annual Fee

$99

Annual Fee Spend Waiver

Supplementary card annual fee

$0

Late Payment Fee

$30

Over limit fee

$30

Duplicate statement fee

$8

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

12.99%

p.a

Cash advance rate

25.99%

Cash advance fee

3% or $4

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

90%

of the approved credit limit

Balance Transfer Fee

2%

Overseas spending

Foreign Exchange Fee

$0

Overseas charges

$4

Estimated ATM Cost

$4

for AU $300 withdrawal

Rewards

Program name

Rewards Available

-

Eligibility

Minimum age

18

Minimum income

$40k

Eligibility conditions

-

Residency

Australia Citizen, Permanent Resident

Perks

  • DOMESTIC TRAVEL INSURANCE
  • FREE SUPPLEMENTARY CARDS
  • PARTNER DISCOUNTS
Specials
  • Balance Transfer 0% p.a. balance transfer for 20 months.
    A 2% balance transfer fee applies.

Promoted credit cards

Promoted

Longer Balance Transfer

Low Rate (Balance Transfer Offer)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Balance Transfer

0% p.a. for 28 months on balance transfers with 3% balance transfer fee and $0 annual fee in first year.*
Purchase Rate

13.74%

p.a

Annual Fee

$0

for 12 months then $58 thereafter

Promoted

Lower Purchase Rate

Low Rate (Credit Back Offer)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

special

Get $250 back to your new card when you spend $1,500 on eligible purchases in the first 3 months from approval.
Purchase Rate

13.74%

p.a

Annual Fee

$58

Promoted

Lower Annual Fee

Orange One Low Rate

  • Apple & Google Pay
  • No annual fee
Purchase Rate

11.99%

p.a

Annual Fee

$0

Promoted

More Free Days

Lifestyle

  • Apple & Google Pay
  • Balance transfer
  • No annual fee
Purchase Rate

4.99%

p.a

for up to 5 months, then 12.84%

Annual Fee

$0