HSBC Platinum Credit Card

Balance transfer rate p.a. (6 months)
0%

Moneybuddy says

There's a lot to like about this platinum card with current offers of 0% p.a on balance transfers for 6 months from non-HSBC credit cards and store cards (a 2% handling fee applies) and no annual fee for the first year, saving you $129! You also get access to a comprehensive range of insurances and Visa Platinum benefits as well as enrollment in the HSBC Rewards Plus program.

The Basics

Card class Visa

Card type Credit card

Purchase rate p.a. 19.99%

Balance transfer rate p.a. (6 months) 0%

Annual fee $129

The cool stuff: features

Reward program Yes

Reward program name HSBC Rewards Plus

Reward program details See https://www.hsbc.com.au/1/2/rewards for more details.

Reward program terms Purchase excludes business expenses, interest free promotions, interest free merchant purchases, balance transfers and cash advances. Rewards Program terms, conditions and points capping limits apply.

Additional card holder Yes

Add. card holder details Additional card holders at no extra cost

Purchase security Yes

Extended warranty Yes

International travel insurance Yes

Online access No

Phone access No

The Facts & Figures

Purchase rate p.a. 19.99%

Cash advance rate p.a. 21.99%

Introductory purchase rate p.a. -

Introductory purchase rate period -

Introductory balance transfer period 6 months

Balance transfer rate p.a. -

Introductory balance transfer rate p.a. 0%

Interest free days 55 days

Minimum repayment -

Min. credit $6,000

Max. credit -

Cash advance limit -

Cash advance limit period -

The ugly stuff: fees

Reward program fee $0

Late payment fee -

Atm fee -

Foreign exchange fees -

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HSBC says

0%p.a. balance transfer for 6 months from non-HSBC credit and store cards (a 2% handling fee will apply)

$0 annual fee for the first year (a saving of $129)

Earn Rewards Points on every dollar you spend on purchases and choose your own rewards from travel to shopping to charity donations

Comprehensive insurance package including International Travel Insurance, Extended Warranty insurance and Purchase Protection Insurance

Up to 55 days interest-free on purchases (when you pay the full balance by the due date each month)

Priority 24-hour customer service

Visa Platinum Concierge and Airport Service

Key features

0%p.a. balance transfer for 6 months (2% handling fee applies)
$0 annual fee for the first year (a saving of $129)
Earn Rewards Points as part of the HSBC Rewards Plus program
Extended warranty, international travel and purchase protection insurance

Pros

0%p.a. balance transfer for 6 months
$0 annual fee for the first year (a saving of $129)
Comprehensive range of insurances including purchase protection, extended warranty and travel insurance
HSBC Rewards Plus Program

Cons

If you want Qantas Frequent Flyer points you'll need the HSBC Platinum Credit Card: http://www.moneybuddy.com.au/credit-card/hsbc/hsbc-platinum-qantas-credit-card

Terms & conditions

DisclaimersGeneralCredit provided by HSBC Bank Australia Limited ABN 48 006 434 162 ACL No. 232595. Offer available to new, approved HSBC credit card holders who apply by 31/03/2012. HSBC cardholders who have previously cancelled the same card type as the new card they are applying for may not be entitled to any promotional offers. Fees and charges and HSBC's lending criteria apply. Terms and conditions apply and are available on request. Interest rates can be found at hsbc.com.au and are current as at 23/01/12 and are subject to change.Balance TransferTo be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card, or within 1 month of receiving the new card. The interest rate on the balance transfer applies for six months and is limited to the first balance transfer request per account from other store cards or non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the interest rate for cash advances. HSBC may allocate payments we receive from you to pay the total amount owing in any order we see fit, including applying any or all payments made to your HSBC credit card account, to reduce the balance(s) transferred first and then any subsequent purchases. A 2% balance transfer handling fee will apply to the requested balance transfer.