An HSBC Low Rate Credit Card with 12.99% p.a. interest on purchases, no overseas transaction fees and 0% p.a. interest on Balance Transfers for 12 months with 2% Balance Transfer fee.
Category: Credit and Charge Cards Last Updated April 16, 2024 Effective May 3, 2024
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate NA PA
Comparison Rate NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, CASH_ADVANCE, 25.99%
Lending Rate Type: Cash Advance
Interest Rate: 25.99%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
Product Features
Card Access
Additional CardsAdditional Information: This product is eligible for a fee-free additional card.
Insurance
Interest Free TransfersAdditional Information: 0% p.a. interest on Balance Transfers for 12 months with 2% Balance Transfer fee.
Interest FreeAdditional Information: Up to 55 interest-free days on purchases,
Digital WalletAdditional Information: Apple Pay can be used wherever you can make contactless purchases, online, and at participating retailers in store.
Digital BankingAdditional Information: Access to HSBC's Mobile App.
Complementary Product Discounts
Digital WalletAdditional Information: Google Pay can be used wherever you can make contactless purchases, online, and at participating retailers in store.
Balance Transfers
Product Eligibility
Min Age - 18. Additional Information: Minimum age required to apply for this credit card.
Min Income - 40000.00. Additional Information: Minimum income required to apply for this credit card.
Employment Status - Yes. Additional Information: Must be employed to apply for this credit card.
Residency Status - Australian Residency. Additional Information: Must be an Australian Resident to apply for this credit card.
Bank Fees and Charges
Annual Fee (Periodic), Amount: 99.00.
Overlimit Arrangement Fee (Event), Amount: 30.00. Additional Information: Payable when your informal request for a credit limit increase is agreed.
Late Payment Reminder Fee (Event), Amount: 30.00. Additional Information: Payable on or after the day an amount is due for payment and has not been paid.
Return Fee (Event), Amount: 5.00. Additional Information: Payable per returned payment.
Cash Advance Usage Charge (Transaction), Amount: 4.00. Additional Information: The higher of $4 or 3.0% of the total transaction amount (including any fees and charges imposed by us or a third party to effect the transaction). The cash advance usage charge forms part of the cash advance balance.
Balance Transfer Handling Fee (Transaction), Amount: Not Listed.. Additional Information: This will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee will be applied at the time the balance is transferred and forms part of your outstanding balance.
Limitations & Restrictions (Constraints)
Min Limit of 1000.00 Additional Information: The minimum credit limit on this credit card.
Max Limit of 500000.00 Additional Information: The maximum credit limit on this credit card.
