Best HSBC Credit Cards

Truly an awful experience. The application process is clunky and agonising - designed without a thouth for the customer. Gets worse when you finally… Read more

activate the card. The HSBC website looks as it it was designed the morning after the office Xmas party and the IT dept. vomitted up teh content. Zero points for customer service and voice of the customer. If this is the best they can do then the big 4 must be "laughing all the way to the bank"

After three attempts I was finally successful. I am pleased to say that approval only took a day and the card was received in about a week. The… Read more

second attempt went missing after the photo id check was done, no email or an application id. I guess the message is, preserve if you really won’t the card.

It just doesn't make sense! – Stay away from the HSBC credit card. I just realized today that I’ve been charged over $70 (3%) as an overseas transaction fee for an international… Read more

flight from Melbourne, even though the purchase was made on the carrier's .com.au website. I made similar overseas flight purchases using a Westpac Qantas card in 2024, and there was absolutely no “overseas transaction fee.” The so-called “consultant” from HSBC had no intention or ability to negotiate and retain a customer. On top of that, there was another $100 increase in the annual fee for two consecutive years. I’ll be canceling this card soon.

Terrible experience as I made a typo on repayment amount, paid $5 less full payment. Then I was interest charged $14 as penalty, followed by interest… Read more

charge on every single dollar spent within 55 days after the miss. It's all running at the background without giving you any notice, until a statement arrives.

Not until I spent 15min getting to their chat I was told all about this. The customer service simply copy and paste all T&C like robot. You should really know how to ask the questions to get a proper answer from them.

I paid full straight away. But the payment could not be made at weekend, and could only be counted on the following Tue. Before then you expect interest charge is still running. So much stress!

While they suggest this can be avoided by setting up Direct Debit, funny is they do old school with print, sign, and postal. They try to stress you by all mean. You need to be smart enough to use this card.

Low rate, fine for general transactions, web interface and app terrible – Good solid low rate credit card "does what it says on the box". No rewards, bells or whistles. VISA so accepted widely. Downside is no branches,… Read more

web/mobile interface are absolutely terrible, so pretty reliant on phone banking and online statements to keep up to date on balances/payments. Kept it for years as a good general purpose card, but not cash advances or big purchases where points could be offset by paying off within the month.