HSBC credit cards

Use an HSBC balance transfer to save money and get your finances in order or start earning points as you spend towards free flights and upgrades.

By   |   Verified by David Boyd   |   Updated 1st September 2022

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Comparing HSBC credit cards

HSBC Platinum Credit Card Balance Transfer Offer

HSBC Platinum Credit Card Balance Transfer Offer

Balance transfer

36 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$29.00 for 1st year


  • Enjoy 0% p.a. on balance transfers for 36 months with no balance transfer fee (Terms and Conditions apply).
  • Save with the reduced $29 p.a. annual fee for the first year ( $129 p.a. thereafter).
  • Earn 2 points per $1 spent on overseas eligible purchases; or 1 point per $1 spent for all other eligible purchases.
  • Redeem points for e-Gift cards from Uber Eats, Woolworths, Bunnings and more.


  • 0% p.a. on balance transfers for 36 months.
  • $29 p.a. annual fee for the first year.
  • Enjoy 2 airport lounge passes every year.
  • Includes complimentary travel and purchase protection insurances.


  • The balance transfer rate reverts to 21.99% p.a. after 36 months.
  • The 10,000 points cap per statement period.

More about HSBC credit cards

Get the lowdown on HSBC credit card features and benefits from our experts.

  • FAQs

Can I have an HSBC credit card in joint names?

No, HSBC cards are only issued to one name. You can, however, request an additional card to be provided for an authorised friend or relative aged 16 years or over. You should be aware that the primary named cardholder is responsible for all expenses on any additional card.

Can I keep using my bank account and get an HSBC card?

Yes. You can keep using your existing bank account as usual and run your credit card with HSBC completely separately.

Can I transfer balances from one HSBC credit card to another?

No. You can only transfer balances from credit cards and store cards from other financial institutions. You can, however, make as many balance transfers as you like from third party credit cards and store cards.

Do HSBC have any local branches in Australia?

The bank operates 36 offices and branches in Australia with HSBC Bank Australia headquarters located in Sydney.

Do HSBC offer telephone banking?

Yes. You can use their automated telephone banking or speak to a real person if you need to.

How do I apply for a balance transfer to HSBC?

New customers can apply for a balance transfer when they apply for a new HSBC credit card by completing the balance transfer section of the online application.

Will I be able to manage my account online?

Yes. In fact, HSBC have had an online banking solution since 2001.