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
$99 Annual Fee
2% Balance Transfer Fee
No attached rewards program
|Category||Low Rate Credit Cards and Balance Transfer Credit Cards|
|Benefits||Complimentary Travel Insurance and No Foreign Transaction Fee|
|Minimum Credit Limit||$1,000|
|Additional Cardholder Fee||$0 p.a.|
|Contactless Payments||Apple Pay and Google Pay|
|Rates & Fees|
|Purchase Rate||12.99% p.a.|
|Cash Advance Fee||3%|
|Annual Fee||$99 p.a.|
|Foreign Transaction Fee||0%|
|Interest Free Period||55 days|
|Cash Advance Rate||25.99% p.a.|
|Balance Transfer Rates|
|Balance Transfer Period||20 months|
|Balance Transfer Rate||0% p.a.|
|Balance Transfer Fee||2%|
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, 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.
First time getting credit card and overall satisfied
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.
Tried to cancel a direct debit
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 ?
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