Disclaimers

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. Offer available for completed HSBC Low Rate Credit Card applications. HSBC cardholders who have previously cancelled the same card type as the new HSBC card they are applying for may not be entitled to any promotional offers.
*Interest rate on balance transfers applies for the first 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, currently 19.99%p.a. (Rates subject to change).
** Annual card fee of $49 p.a. will apply after 12 months
~HSBC may allocate payments we receive from you to pay the total amount owing in any order we see fit, including applying any and all payments made to your HSBC credit card account to reduce the balance(s) transferred first and then to any subsequent purchases.
^ Depending on when you make your purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from the previous statement period. There are no interest free days for cash advances or balance transfers.