HSBC Star Alliance Credit Card

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.99%, 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.

• Loyalty Program Additional Information: Convert your Star Alliance Points to award miles or points in your chosen Frequent Flyer Program of a participating Star Alliance member airline.

• Insurance Additional Information: Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at www.hsbc.com.au which may be amended from time to time. Consider its appropriateness to these factors before acting on it. You can contact AGA on 1800 648 093. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. If during the period of your cover, you (and your spouse/dependents, if they’re eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19) cover may be available under selected International Travel Insurance benefits. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at www.hsbc.com.au.

• 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.

• Other Additional Information: 0% p.a. interest for 6 months on flight bookings made directly through participating Star Alliance Member Airlines’ websites using your HSBC Star Alliance Credit Card.

• 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 - 75000.00. 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: 450.00.

• 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.

• Overseas Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: Payable when you make a transaction on your account in a currency other than Australian dollars, or you make a transaction on your account in any currency (including Australian dollars) that is processed/billed by either the merchant or its financial institution/payment processor outside of Australia.

• 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 6000.00

• Max Limit of 500000.00

 Document Downloads

  cc-fees-charges.pdf (238.4 KB)