If you look on the surface all credit cards may look similar, but if you look a bit deeper you can see the one that stands out for your needs. Get a cool 0% p.a. until 1 January 2008* on balance transfers~ with HSBC’s Low Rate Credit Card. With your interest frozen on balance transfers and $0 annual fee in the first year, you’ll be able to spend your money on more important things.

Key Features:

0% p.a. until 1 January 2008* on balance transfers~
Low ongoing rate of 11.95%p.a.~ on purchases
Cash advance rate of 15.95% p.a.
$0 annual fee for the first year, and only $39 thereafter
Up to 55 days interest-free on purchases.^
Access to our home&Away Privilege Program with Instant Rewards in over 40 countries when you use your Card.
Cash withdrawals at over 800,000 ATMs worldwide
Repayments at any HSBC branch, by mail, BPAY®, telephone, direct debit, online or at Australia Post
Credit Cards Online for quick, easy and secure access 24 hours a day
Worldwide acceptance at over 22 million VISA merchants

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HSBC VISA Low Rate Credit Card FAQs:

Q. Can I use my HSBC VISA Low Rate Credit Card immediately once I receive the card in the post?
A. For security reasons, you must call the VISA Credit Card Customer Service Centre on 132 152 to activate your new VISA Low Rate/Classic/Gold Credit Card before you can use it. You simply need to complete a quick verbal quiz for identification purposes and we will activate your card immediately.

Q. Am I authorised to activate my HSBC VISA Low Rate Credit Card as an additional cardholder?
A. Where an additional card is issued, the additional cardholder is unable to activate the primary and additional card. Only the primary cardholder can activate the card(s) by calling the VISA Credit Card Customer Service Centre on 132 152.

Q. How soon will I get my VISA Low Rate Credit Card?
A. New Accounts: Cards are issued within 48 hours of approval. Approval is normally within 2 weeks of receiving your application.
Replacement and Additional cards: If you require a replacement or additional card, the card will be issued to you on the next business day.

Q. My credit card has been lost or stolen. What do I do?
A. Contact HSBC's VISA Credit Card Customer Service Centre immediately on 132 152 or 1800 029 951. If you are overseas call +61 2 9005 8511.
You can report that your credit card has been lost or stolen 24 hours a day, 7 days a week.

Q. I have damaged my credit card. What do I do?
A. Contact HSBC's VISA Credit Card Customer Service Centre on 132 152. We will arrange for a replacement card to be sent to you.

Q. How is my credit limit calculated?
A. Generally, this will be what you request. However, you will be assessed for the maximum limit available based on your individual circumstances. The minimum credit limit is $1,000.

Q. Can I use my credit card at an ATM to withdraw cash?
A. Yes, you can use your card at any ATM that carries the VISA or PLUS logos, simply by keying in your issued PIN.

Q. How often do I have to make a repayment?
A. You must make a repayment at least once every month by the due date. You have 25 days to make a repayment from the statement date. This due date and the repayment amount are clearly marked on your monthly statement.

Q. What are the opening times of your VISA Credit Card Customer Service Centre?
A. 8am to 9pm Monday to Friday (EST)
8am to 6pm Saturday, Sunday & Public Holidays (EST)

Q. Can I transfer the full balance from my other credit or store cards?
A. You can choose to transfer any amount up to your available credit. We recommend that you transfer a minimum of AUD$100.

Q. Do I have to pay an annual fee?
A. There is an annual charge of AUD$39 for HSBC's VISA Low Rate Credit Card. This fee is waived in the first year. The annual fee will automatically be charged to your account on the first year anniversary of your account opening.

Q. Can I have a VISA Low Rate Credit Card in joint names?
A. Although the VISA Low Rate Credit Card can only be in one name, an additional card can be made available in another person's name. This additional card will be issued in the name specified by you, provided the other person is at least 16 years of age. The primary cardholder is liable for all expenses. There is a $10 annual charge for additional cardholders.

Reasonable efforts are made to maintain accurate information. However, information is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.