HSBC Platinum Qantas Credit Card

Purchase Rate
19.99% p.a.
Cash Advance Rate
21.99% p.a.
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Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 12 months
  • Earn 1 Qantas Point per $1 spent on eligible purchases, up to $2,500 per statement period. After that, every $1 spent earns you 0.5 Qantas Points, up to a total of 7,500 per statement period. (Qantas Bonus Points are not subject to capping)
  • 0% p.a. Balance Transfer for 12 months from non-HSBC credit cards on application.
  • Enjoy complimentary membership to the Qantas Frequent Flyer program (valued at $82.50).
  • Complimentary Insurance package available including International Travel Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme, Transit Accident Insurance and Purchase Protection Insurance. Eligibility criteria and conditions apply.
  • Up to 55 days interest free on purchases when you pay the full by the due date each month.
  • Additional Cardholder at no extra cost.
  • Visa Premium Benefits is your connection to money-can’t-buy experiences, from backstage passes to tickets to gallery openings. It’s a range of special privileges just for you. For more, visit
  • Visa payWave7 for convenient contactless purchases under $100.
  • Now available with Apple Pay®. Use your compatible Apple® device to tap and pay with an eligible HSBC credit card.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Rewards Program
  • 1 Qantas Frequent Flyer point for every $1 spent up to $2,500 per statement period on eligible purchases made in Australia and overseas.
  • Every $1 spent thereafter will earn 0.5 Qantas Points.
  • Complimentary membership to the Qantas Frequent Flyer Program if you aren't already a member.

Fee & Repayments

Annual Fee $79.00
Annual Fee First Year $0.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $20.00
Interest Charged From StatementDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $13,500.00
Frequent Flyer Ratio 1
Spend at Loyalty Partner for $100 Gift Card*
Lifetime of Points
Rewards Program Partners Qantas
Rewards Bonus Points Partners
Domestic Airlines Qantas Frequent Flyer
International Airlines Qantas Frequent Flyer

Other Charges

Duplicate Statement Fee $8.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $30.00
Overseas Emergency Card Replacement Fee $0.00
Terms & 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 the offer expiry date. 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. HSBC credit card account holders who have previously cancelled their card may be ineligible for these promotional offers. 1. $79 Annual Fee will be waived in the first year, and will be charged annually from the anniversary of the account opening date in each subsequent year. 2. To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card. Your total balance transfers must not exceed 90% of your approved credit limit. The interest rate on the balance transfer applies for 12 months for the HSBC Platinum Qantas Credit Card. The balance transfer must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently 21.99% p.a. as at 15-Jan-18 and subject to change). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your HSBC credit card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. 3. Qantas Points accrue in accordance with and are subject to the HSBC Qantas Rewards Terms and Conditions. No points are earned on interest free and other promotions, balance transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. You must be a member of the Qantas Frequent Flyer program and provide your valid membership number to HSBC in order to earn and redeem points. A joining fee usually applies, however HSBC has arranged for this to be waived for HSBC credit card customers opting in to HSBC Qantas Rewards who are not already Qantas Frequent Flyer members - join by visiting Membership and the earning and redemption of points is subject to the terms and conditions of the Qantas Frequent Flyer program available at Earn 1 Qantas Point per $1 spent up to $2,500 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Qantas Points up to a total of 7,500 Qantas Points per statement period. 4. A joining fee usually applies, however HSBC has arranged for this to be waived for HSBC credit card customers opting in to HSBC Qantas Rewards who are not already Qantas Frequent Flyer members – join by visiting This link will access an external website outside the HSBC Group website ( Please see our Hyperlink Policy below. Please read the Terms and Conditions of the linked site. This link will open in a new window. 5. Insurance policies are issued by AWP Australia Pty Ltd 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)) to HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditionsTerms and conditions For HSBC insurance policies limits and exclusions 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. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at or by calling 1800 648 093. 6. home & Away Privilege Program terms and conditionsterms and conditions Of the home&away privilege program apply. 7. 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. 8. HSBC Instant Savings terms and conditions apply. Visit terms and conditions for full details. 9. Terms and conditions apply to the use of Apple PayApple Pay This link will open in a new window and Google PayGoogle Pay This link will open in a new window. Excludes HSBC Corporate Cards.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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