HSBC CREDIT CARD
HSBC Credit Card (Credit Card)Visa Card
        
HSBC is one of the world's largest and most respected banks. With $0 annual fee for the life of the card, the HSBC Credit Card redefines value. Plus, you also have access to offers and discounts in Australia and overseas. Winner of Money Magazine's 2010 and 2011 'Best Transactor Credit Card'Please make sure that you read all of their terms and conditions in detail before you apply so that you thoroughly understand your obligations. If you have any questions contact their customer support team. More info click here.
Location: Australia
Advantages:
1. 0%p.a. balance transfer for 6 months from non-HSBC credit cards on application (reverting to the cash advance rate of 21.99% p.a. and subject to change)
2. $0 Annual Fee for the life of the Credit Card
3. Winner of Money Magazine's 2010 and 2011 'Best Transactor Credit Card'
4. Up to 55 days interest-free on purchases when you pay the full balance (including any balance transfer, promotional purchases and the 0% p.a. balance transfer offer above) by the due date each month
5. Special privileges at over 19,000 retailers in more than 160 countries and territories with the home&Away Privilege Program.
6. $0 Additional cardholder fee
7. Interest free purchases of up to 5 years at over 1,000 participating retail outlets across Australia (available at participating retailers, minimum purchases apply, reverts to the cash advance rate after the promotional period).
Disadvantages:
1. The $0 Annual Fee applies to the standard HSBC Credit Card only, and only applies while you remain an HSBC customer.
2. To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC Credit Card, or within 1 month of receiving the new card.
3. HSBC cardholders who have previously cancelled the same card type as the new card they are applying for may not be entitled to any promotional offers.
4. There are no interest-free days on cash advances and balance transfers.
5. You must be over 18 years of age, have a good credit rating, be a permanent Australian resident, earning more than $20,000 p.a. (before tax) when applying.
Services:
1. 0% p.a. on balance transfer for 6 months (reverting to the cash advance rate thereafter)
2. $0 Annual Fee for the life of the Credit Card
3. Interest free purchases of up to 5 years at over 1,000 participating retail outlets across Australia
4. Up to 55 days interest-free on purchases when you pay the full balance by the due date each month

APR: 17.99% p.a
Credit Limit: Varies
Credit Rebuild: No
Chip and Pin: Yes
Under 18: No
SMS Banking: No

Fees: $0 p.a.
Cash Back: N/A
Cash Advances: 21.99% p.a
Balance Transfer: 0%p.a. (6months) 21.99%
New Purchase: 17.99% p.a

Rewards: Special privileges at over 19,000 retailers in more than 160 countries and territories with the Home & Away Privilege Program.
        

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