HSBC Credit Card

HSBC is one of the largest banks in the world, and the bank offers a wide array of credit card products that are suited to different types of customers with differing financial needs. An HSBC cardmember enjoys many different benefits and privileges that make credit card management easy and simple. One of the most popular credit cards issued by HSBC is the HSBC Platinum MasterCard with Cash or Fly Rewards. Why is this HSBC Credit Card a hit with customers?

The HSBC Platinum MasterCard gives the cardmember very competitive rates on many common credit card transactions and features. To start off, this HSBC Credit Card has no Annual Fee. As a cardmember, you can use this card anywhere you are in the world because it is a MasterCard, and there are no foreign transaction fees that will be charged to you if you make card purchases in a foreign currency.


As far as interest rates go, the HSBC Platinum MasterCard is also very competitive. Cardholders get 0% introductory APR on credit card purchases and balance transfers for the first 12 months, and then the variable APR od 12.99%, 16.99% and 22.99% will apply afterwards. If you want to share this HSBC Credit Card with other family members, there is also no charge for additional cards.

Now, what makes the HSBC Platinum MasterCard unique is it allows the cardholder to choose how to enjoy the Reward Points that have been accumulated. Every $1 spent in retail purchases earns the cardholder 1 Reward Point, and these Reward Points have no expiration date or limit. The cardmember can choose to redeem points for 1% cash back or for Fly Rewards. If you have accumulated a minimum of 7,500 points, you can already claim travel rewards on almost any airline, with no blackout dates or restrictions on seating, giving you more flexibility to enjoy your rewards.

Now if you choose to claim the travel rewards, you also have additional protection and coverage with this HSBC Credit Card. Cardmember benefits include Travel Assistance Services that can help you with lost or stolen travel documents or luggage, as well as referrals to doctors or attorneys located globally. Roadside Assistance is also included as a benefit in case your vehicle needs towing or repair.

Consumer protection is a priority of HSBC, and the HSBC Platinum MasterCard comes with various Fraud Protection features such as $0 Liability and Online Guarantee on unauthorized purchases made using your HSBC Credit Card. Also, there is Purchase Protection provided for items bought that are damaged or stolen. Also, if you have become the victim of identity theft, you are provided an ID Theft Affidavit to assist in the process.

With HSBC's online banking offerings, you can conveniently access your credit card transactions and balances at any time of the day, wherever you are with a Web-enabled device and reliable Internet access. Online Bill Pay Service is also offered, where you can set up automatic and recurring payments online. If you prefer to go paperless, you can also set up Paperless Billing for your HSBC Credit Card.