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HSBC No Annual Fee Credit Card

The HSBC No Annual Fee Credit Card comes with a rock solid guarantee: $0 annual credit card fee for the life of the credit card

Introductory Offer: 0% p.a. on Balance Transfer for 6 months

Offer conditions: Apply by 31st December 2016

The value story of this card continues with a introductory offer of a balance transfer offer of 0% p.a. for up to 6 months (reverts to the cash advance rate at the end of the balance transfer period), HSBC’s exclusive shopping offers available at over 1,500 Australian retailers and finally access to the home&Away Privilege Program which operates across 160 countries and delivers a variety of privileges at close to 20,000 retailers.

Over the last few years the HSBC NO Annual Fee credit card has been recognized and rewarded winning the Money Magazine’s 2010, 2011 and 2012 ‘Best Transactor Credit Card'.

Although the HSBC No Annual fee credit card certainly focuses on delivering the very best value, there are no compromises when it comes to the card features:

  • Interest Free period - Up to 55 days when you pay the full balance including any balance transfer, promotional purchases and the 0% p.a. balance transfer offer by the due date each month.
  • Multiple Additional cardholder - At no cost
  • Interest free purchases - Up to 5 years at over 1,000 participating retail outlets across Australia
  • Low Income eligibility - at $20,000 p.a.
  • Competitive Purchase rate - at 17.99% p.a.
Credit Card Details
Provider HSBC
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 17.99%
Cash Advance Rate 21.99%
Interest Charged From Purchase date
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate 0%
Balance Transfer Period 6 months
Balance Transfer Fee -
Benefits
Intro Offer 0% p.a. Balance Transfer for 6 months from non-HSBC credit cards, new customers only.
Offer end date 31st December 2016
Rewards Program No
Rewards Points No
Acceptance Criteria
Age to Apply 18
Min. Income $20,000
Residency Australia
Temporary residents No
Min. Credit Limit $1,000
Joint applicants -
Fees & Terms
Min. Monthly Repayment $30
Annual Fee $0
Over Limit Fee $30
Duplicate Statement fee $8
Late Payment Fee $30
Min. Monthly Repayment % 3%
Max. Credit Limit -
Cash advance fee The higher of $4 or 3% of the total transaction amount (including any fees or charges imposed by HSBC or a 3rd party to effect the transaction)
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee -
Overseas atm withdrawal fee -
Complimentary travel insurance No

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.