HSBC Gold Credit Card

Get the HSBC Credit Card Advantage

Getting approved for a credit card from the Hong Kong and China Shanghai Banking Corporation (also known as HSBC Holdings plc) is always advantageous because of its century-old experience in banking and its prestige as the world's second biggest financial services company. More to the point, HSBC is quite the veteran when it comes to coming up with rewarding yet practical credit cards; case in point, its prestigious HSBC Gold Credit Card.

HSBC Gold Credit Card Key Features:

  • The normal purchase rate for the HSBC Gold Credit Card is a reasonable 19.99% per annum.
  • Gold and Platinum cardholders get to enjoy 1.50% per month for 18 or 24 months and 1.25% per month for 6 or 12 months.
  • As for the interest rate for cash advances, it's 21.99% per annum.
  • As for the interest rate for balance transfers, it's 5.99% per annum for the first six months.
  • The annual fee for this gold credit card is $89. On the other hand, the annual fee for the first year of getting this card is altogether waived.
  • It also follows the industry-standard of 55 days interest-free purchasing.

Extra Benefits, Rewards, and Incentives:

  • The HSBC Gold Credit Card is a card with lower interest options for Balance Transfer and Loan on Phone services.
  • You can apply for loans over the phone if you're an HSBC Gold cardholder via the Loan on Phone service.
  • There's no supplementary card fee or rewards joining fee; they're both complimentary.
  • The minimum repayment rate is 3%.
  • HSBC Gold also offers a Balance-Transfer-on-EMI feature that enables you to transfer the outstanding balance from your other credit cards to your HSBC Gold and repay it in convenient monthly instalments at a reduced interest rate.
  • You have repayment tenure options ranging from 24, 18, 12, and 6 months.
  • The gold card also features the online utility bill payment service.

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