$99 Annual Fee
Earn 1 Qantas Point per $1 spent on eligible purchases
Complimentary Insurance Benefits, including Domestic and International Travel Insurance with rental vehicle excess cover
2% Overseas Exchange Fees
Points capped at 10,000 per statement
Minimum Credit Limit of $15,000 may be too high for you
|Category||Rewards & Loyalty Programs and Frequent Flyer & Travel Credit Cards|
|Benefits||Complimentary Travel Insurance|
|Minimum Credit Limit||$15,000|
|Rewards Program||HSBC Rewards Plus|
|Points Earn Rate||1 points per $1|
Points are capped at 10,000 per statement.
|Contactless Payments||Apple Pay and Google Pay|
|Rates & Fees|
|Purchase Rate||19.99% p.a.|
|Cash Advance Fee||3%|
|Late Payment Fee||$30|
|Annual Fee||$99 p.a.|
|Foreign Transaction Fee||2%|
|Interest Free Period||55 days|
|Cash Advance Rate||21.99% p.a.|
A decent enough card, but nothing to write home about
I've got this card as part of my mortgage package with HSBC which means I don't pay any annual fees. I've also set up a direct debit so that the full amount is repaid every month, so the interest rate is not a factor for me.
As its a Mastercard, it's acceptable just about everywhere which makes it easy to use.
The online portal is simple enough to navigate and use, and I haven't needed to contact Support at all.
There is a Rewards program connected to the card, but I haven't redeemed anything and thus far, the rewards earn rate seems quite low....
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