Looking for a credit card that helps you address the needs of everyday life while matching your budget and lifestyle? With the extensive range of HSBC credit cards, you can easily find one that suits the bill. Apart from purchases both locally and abroad, you can also use these cards for exclusive discounts.
HSBC is a premier financial company that offers a wide range of financial tools to people from all walks of life. Its credit cards come with a suite of perks and privileges such as no annual fees, no transaction fees, and even points-earning capabilities.
If you are interested in ordering your own HSBC credit card, take a look at the details below. We have compiled a list of everything you need to know about these cards.
HSBC Credit Cards – Features and Benefits
All HSBC credit cards are equipped with the Tap and Go contactless payment solution. This provides a safer way of paying as cardholders won’t have to input their credentials and instead, simply hold their card near a contactless payment terminal.
Likewise, HSBC credit cards are automatically enrolled in their fraud protection program, meaning it will shield users from fraudulent transactions and unauthorized use.
To further demonstrate the capabilities of HSBC, we’ll be elaborating their most popular credit cards - the HSBC Cash Rewards Mastercard credit card. Under this, cardholders are entitled to an introductory 3% cash back on all purchases for the first 12 months of account open.
After the introductory offer, individuals can enjoy an unlimited 1.5% cash back for every $1 spent. Plus, there is also an introductory 0% APR for balance transfers and purchases for the first 12 months.
There are also travel discounts and benefits, rental vehicle protection coverage, as well as a slew of Mastercard travel and lifestyle services available. Complimentary memberships and discounts will also be extended for services such as ShopRunner and Postmates, among others.
Ordering an HSBC Credit Card
To order an HSBC credit card, you may simply fill out the online application form found on their website. You will need to provide your name, date of birth, Social Security number, and email address.
The bank may follow up for other documents such as your employment and financial information.
Bear in mind that applicants must at least be 18 years old to apply and have a good credit standing. You may also see the credit cards you’re eligible for via its ore-qualification feature.
If approved, you’ll be given a credit limit based on your creditworthiness.
Fees and Charges
- APR – 12.99% to 22.99% variable APR (based on your creditworthiness)
- Annual Fee – None
- Balance Transfer Fee - $10 or 4% (whichever is higher)
- Cash Advance Fee - $10 or 5% (whichever is higher)
- Late Payment Fee – up to $39
The Bottom Line
Overall, an HSBC credit card is best for individuals who are looking for a credit card that suits their needs and lifestyles. With its low introductory APRs, cash back, and travel benefits, and exclusive discounts, HSBC credit cards are certainly worthy to be considered.
For more information, reach out to 800-485-1794. You may also visit them at their head office located at 452 5th Avenue, New York, NY 10018, USA.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank's terms and conditions page before agreeing to anything.
