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HSBC Low Rate Credit Card

HSBC Low Rate Credit Card

2.7 from 3 reviews

Pros

  • Low Interest Rate of 12.99% p.a. on purchases

  • No Overseas Transaction Fees

  • 0% p.a. on Balance Transfers for 20 months

  • Complimentary Domestic Travel Insurance

  • Accessible Minimum Credit Limit of $1,000

Cons

  • $99 Annual Fee

  • 2% Balance Transfer Fee

  • No attached rewards program

Reviews

2.7

3 reviews
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Sarah Guinevere H.

Sarah Guinevere H.Hobart, TAS

  • 2 reviews

Low rate, fine for general transactions, web interface and app terrible

published

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, 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.

Transparency
Customer Service
Rates and Fees
Online Experience
Card Start DateJanuary 2015
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
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Sion

SionGreater Melbourne (Metropolitan), VIC

  • 9 reviews

First time getting credit card and overall satisfied

published

Been with HSBC bank for quite long now. Overall happy with the interest rate using it oversea and easy to transfer balance.
I reckon the annual fee can probably be lower comparing to other major bank though.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJune 2019
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
  • Special Purchases
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Scott Perkins

Scott Perkins

  • 33 reviews
  • 42 likes

Tried to cancel a direct debit

published

I have a direct debit from a gym I cancelled direct debit on 10/10 but rang HSBC to see about cancelling direct debut to make doubly sure that no more money comes out? The agent I spoke to was rude spoke over me turns out they can’t do it ? I’m with ING and they have no trouble doing it? Only thing I can do is cancel card how stupid the size of HSBC ?

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
See all answers
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