Low Rate Credit Card

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 25.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Card Access

• Additional Cards Additional Information: This product is eligible for a fee-free additional card.

• Insurance

• Interest Free Transfers Additional Information: 0% p.a. interest on Balance Transfers for 12 months with 2% Balance Transfer fee.

• Interest Free Additional Information: Up to 55 interest-free days on purchases,

• Digital Wallet Additional Information: Apple Pay can be used wherever you can make contactless purchases, online, and at participating retailers in store.

• Digital Banking Additional Information: Access to HSBC's Mobile App.

• Complementary Product Discounts

• Digital Wallet Additional 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.

 Document Downloads

  cc-fees-charges.pdf (238.4 KB)