An HSBC Low Rate Credit Card with 12.99% p.a. interest on purchases, no overseas transaction fees and 0% p.a. interest on Balance Transfers for 12 months with 2% Balance Transfer fee.
Last product change: 09 May 2024
Last checked: 14 Aug 2025
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Annual Fee | Periodic | $99.00 | P1Y | null |
| Overlimit Arrangement Fee | Event | $30.00 | Payable when your informal request for a credit limit increase is agreed. | |
| Late Payment Reminder Fee | Event | $30.00 | Payable on or after the day an amount is due for payment and has not been paid. | |
| Return Fee | Event | $5.00 | Payable per returned payment. | |
| Cash Advance Usage Charge | Transaction | $4.00 | 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 | 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. |
| Additional Cards | Unlimited additional cards This product is eligible for a fee-free additional card. Read more |
| Balance Transfer | Yes |
| Interest Free Period | 55 days |