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HSBC Premier Credit Card

The HSBC Premier Credit Card offers 0% p.a. for 12 months on balance transfers. Ongoing benefits include Rewards Plus Points earned on eligible purchases, no annual fee, and complimentary travel insurance.


Updated 27 November 2023

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Expert Review

The HSBC Premier credit card is one of HSBC's premium low fee products. Featuring a relatively high points earn rate, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 10% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has no annual fee, including up to 55 interest free days. As a result, this card is one of only a limited number that offer an ongoing $0 Annual Fee.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

Balance Transfer.
For a limited time the HSBC Premier credit card has a special 0% p.a. Balance Transfer offer for 12 months. Of note, there is also a 2% p.a. Balance Transfer fee which should be considered when evaluating the overall benefit of this offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Your choice of rewards program and earn points with everyday spend."
- HSBC
Rewards

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Earn Rewards Plus Points

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1.5points per $1 spent

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180,000 annual points cap

Fees
Account Fees

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$0 annual account fee

Transaction Fees

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3.00% international transaction fee

Other fees may apply.

Rates

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19.99% p.a. variable purchase rate

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21.99% p.a. variable cash advance rate

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Up to 55 interest free days on purchases

Features
Insurance

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Domestic and International Travel Insurances

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Rental Vehicle Insurance Excess Cover

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Transit Accident Insurance

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Extended Warranty Insurance

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Guaranteed Pricing Scheme

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Purchase Protection Insurance

Offers
Balance Transfer Offer

0% for 12 monthson balance transfers (2.00% BT fee applies), reverts to 21.99% p.a.

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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the HSBC website.

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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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