HSBC Gold Credit Card - Features

Introducing the HSBC Gold Credit Card

Sometimes, wishes do come true. With $0 annual fee in the first year*, complimentary travel insurance^ and reward points earned for every dollar you spend on purchases#, the HSBC Gold Credit Card is everything you could wish for in a gold credit card.

Take advantage of these great features today:

• $0 Annual fee in the first year*
• Complimentary travel Insurance∧ ­ this could save you hundreds of dollars
• Locking in 5 purchases a year (from $500 each) at either a lower interest
  rate of 10.99% p.a.> for 120 days or up to 90 days interest free>
• Up to 45 days interest-free period on standard purchases**
• Enjoy a low balance transfer of 5.99% p.a. for 6 months when you
  transfer balances from other credit and store cards

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Fees, charges and lending criteria apply. Terms and conditions apply and are available on request. Interest rate on purchases is 18.99% p.a. and is subject to change. All applications are subject to HSBC's lending criteria.
* The Annual Gold Card fee will be waived for the first year. The standard $89 annual fee will apply on the subsequent anniversary of your original Credit Card account.
∧ Terms and conditions apply. Insurance policies are issued by Zurich Australian Insurance Limited ABN 13 000 296 640. HSBC does not issue these insurances and does not receive commission on these policies or guarantee any of the benefits under the cover. HSBC has entered into master policies for the benefit of cardholders. The cover is provided at no additional cost to the cardholder.
# Excluding Card fees, Balance Transfers or Cash Advances and subject to Rewards Points capping limits.
> Terms and conditions apply. Limited to 5 purchases per year, where each purchase is $500 or more.
** Depending on when you make your purchases, when your statement is issued, and if you pay off the total outstanding balance on your next statement of account on or before the due date. There are no interest free days on cash advances and balance transfers.
˜ Introductory balance transfer rate for the first 6 months is limited to the first balance transfer request per account from other store cards and non- HSBC credit cards. After this period, any balance outstanding from the Balance Transfer will accrue interest at the Interest Rate for Cash Advances, currently 21.75% p.a.