HSBC Interest Free

Shop interest free with the HSBC Low Rate Credit Card
    • HSBC Interest Free

      Shop Interest Free with the HSBC Low Rate Credit Card

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Our HSBC Low Rate Credit Card has the below great features:

  • Low ongoing card purchase rate of 12.99% p.a.
  • No overseas transaction fees for online or overseas purchases2
  • Complimentary Domestic Travel insurance3
Interest Free is the easy way to buy what you want today and pay it off over an Interest Free period. You simply make your purchase in-store or online and spread your repayments for up to 60 months.
An Interest Free purchase can be made using any HSBC Credit Card. The purchase will not incur interest charges for the promotional period. You need to make minimum monthly repayments to avoid fees and charges and the Interest Free purchase must be repaid in full before the Interest Free period expires to avoid interest charges. Any balance outstanding at the end of the promotional period will be charged interest at the cash advance rate (currently 25.99%).

HSBC Low Rate Credit Card Fees and Charges

Fee Type Fee Amount & Details
Annual Credit Card Fee $99
Interest Free Period on purchases Up to 55 days4
Minimum Income Requirement $40,000 p.a.
Minimum Credit Limit Offered $1,000
Interest Rate for Purchases 12.99% p.a.
Interest Rate for Cash Advances 25.99% p.a.
Overseas Transaction Fees 0%
Cash Advance Fees The higher of 3% or $4
Multiple additional cards for family or friends over 16 years Yes (no fee)
You can compare our full suite of credit cards here
Apply to make your Interest Free purchase with the HSBC Low Rate Credit Card
Complete your application online today.
Terms and Conditions

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders who apply by 31 December 2019. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC.

Visit or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change.

  1. Only available at participating retailers and on specific purchases. Interest Free finance is applied only to promotional transactions for the specified period. Balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the cash advance rate current at that time. Monthly repayments are required and calculated at 3% of the outstanding balance or $30, whichever is higher. T&C’s, fees and charges and lending criteria apply.
  2. An overseas transaction charge is normally payable when you make a transaction on your account in a currency other than Australian dollars, or you make a transaction on your account in any currency (including Australian dollars) that is processed/billed by either the merchant or its financial institution/payment processor outside of Australia.
  3. Insurance policies are issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177(AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions, limits and exclusions apply and available at An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders.
  4. Depending on when you make your purchases, when your statement is issued, and if you pay off the outstanding balance on your next statement of account on or before the due date. There are no interest free days for cash advances. You will not gain the benefit of the interest free period unless you pay the full balance (excluding any balance transfer, cash transfer and promotional purchases) by the due date.

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