There are no rewards to earn with this card. Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. So you can use this card outside the country without worrying about an extra fee, like many other credit cards will charge. The points earned are Amex Membership Rewards points that can be redeemed for rewards ranging from cash statement credits to airline and hotel transfers. After that, the APR remains competitive depending on the cardholder’s credit. Provides $1,000,000 in coverage when traveling by common carrier, against accidental loss of life, limb, speech, sight, or hearing. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. There are no foreign transaction fees here either. Plus, every 12 months this card offers a late fee waiver for a late payment, a nice benefit for an easy mistake to make. Citi Flex Plan offers are made available at Citi’s discretion. I opened an "interest free credit card" with these bullies on 02/02/2017. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. Customers looking for future rewards and travel benefits in addition to a balance transfer should consider other balance transfer cards. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. So you’ll need to have a decent credit history and financial situation to improve your odds of being approved. It means you’ll get 10% cash back in those categories during your first year, and that’s a great deal. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. However, the card has a slightly higher than normal transfer fee at 4 percent (or $10, whichever is greater). Check out some different card offers that are similar to HSBC card below. Why you can trust this review. Do you have a correction, tip, or suggestion for a new post? Eligible items you buy with your HSBC card are covered against damage and theft for 90 days. Annual fee: PHP 2,500 Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness. That will give the amount you need to pay each month to pay it off on time. A list of these issuers can be found on our Editorial Guidelines. There aren’t a whole lot of fancy benefits with this card. There are only some basic shopping and travel protections available. Your first late fee will be waived each year. Compared to other balance transfer … For rates and fees of the Blue Cash Everyday® Card from American Express, please click here. ; No foreign transaction fee. If you find an item you bought being advertised for a lesser price, you could be reimbursed for the price difference. It has no rewards, and the benefits are very basic. The HSBC Premier Mastercard is issued by HSBC. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Who Is Eligible For The $600 Stimulus Check? The HSBC Gold Mastercard features an introductory APR on both purchases and balance transfers. Now, Stefan teaches travelers how to use points for their travel dreams in his writing and public speaking at events such as the Travel & Adventure Shows and Frequent Traveler University. The Citi® Double Cash Card is one of the most rewarding cards in the market, earning a total 2% cash back on every purchase (1% when you buy + 1% when you pay for the purchases). If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full. All Amex cards offer this service. These rewards can add up fast and are easily redeemed as statement credits. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. The Blue Cash Everyday® Card from American Express (Review) offers some cash back bonus categories for common purchases. HSBC Gold Mastercard® credit card Essentials. Founder of Every Passport Stamp, the leading Facebook group for travelers who want to go everywhere, Stefan is a member of the Circumnavigators Club and on the Board of Directors of the Travelers’ Century Club. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. The HSBC Gold Mastercard® credit card* is highlighted by a late fee waiver once every 12 months. The Forbes Advisor editorial team is independent and objective. Key facts: No annual fee, card only available to HSBC Premier current account holders. You’ll be taken to HSBC’s site to apply, where you can provide your personal information. 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Balance transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. But it doesn’t have many extra features. If you’re looking for some time to pay off a large balance, this card provides over a year to do just that. So you can use this rewards card to earn cash back for these kinds of purchases, and pay them off over the intro period. Register for free with HSBC online banking, and you will have the option to receive account updates via email or by text. This doesn’t apply during the 0% intro period, of course. The HSBC Gold Mastercard® Credit Card is a pretty simple card, with one main attraction: it offers a 0% intro APR period for 18 months before the regular 12.99–20.99% Variable APR applies. New to credit cards? Balance transfer fee still exists: A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. Original review: Oct. 19, 2020. This card also comes with some basic shopping and travel protections. The card has an introductory 0% interest rate that allows consumers to transfer high-interest credit card debt from another card. Just be sure to pay at least the minimum payment. 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening. Content is accurate to the best of our knowledge when it's published. Great, you can create an account later. 0% Intro APR on balance transfers for 18 months. This is a pretty forgiving feature. 9.3 ☆ ☆ ☆ ☆ ☆ VISIT SITE . It’s based on your Equifax credit report. When Will I Get It? Based in Seattle and a graduate of The Wharton School, University of Pennsylvania, Stefan is fluent in Mandarin Chinese and worked in China for a decade. For no annual fee, it provides a 0% introductory APR on purchases and balance transfers for 18 months. This lets you save money on purchases outside the bonus categories. Make regular payments to pay it off on time. That’s about all there is to this card. It’s also a Mastercard, so it has widespread acceptance. But it also has no annual fee, and is very forgiving when it comes to the other terms. 0% Intro APR on purchases for 18 months from date of account opening. Provides pre-trip planning and help with travel emergencies. With no foreign transaction fee, rental car coverage and $1,000,000 in travel accident coverage, the HSBC Gold Mastercard® Credit Card is useful for booking the occasional trip. About the HSBC Premier credit card. With no annual fee and a low introductory rate, you’ll get the chance to save on your purchases and balances you decide to transfer. Then, you can pay off your purchase while taking advantage of an … The Verdict: The HSBC Gold Credit Card is a great option for people with good or excellent credit who want to pay for big-ticket purchases over time, offering an 18-month interest-free introductory period that puts it firmly within the top tier of 0% credit cards on the market right now. HSBC’s online banking includes credit card functions. The Citi Simplicity® Card – No Late Fees Ever (Review), as the name suggests, is simple like the HSBC card. No rewards: Some of the top intro 0% interest purchase rate credit cards let you earn rewards on your purchases, but the HSBC Gold Credit Card doesn’t have a rewards program. The other benefits are a bit better than what you’ll get with the HSBC card. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. There are no foreign transaction fees either. No rewards. And use the Blue Cash Everyday to earn rewards when you shop. Instead, its most attractive features are the intro APR and low fees. Don’t take it on face value just yet—this card definitely deserves a closer look. Plus, for those who develop an interest in travel rewards, the Citi® Double Cash Card now allows point transfers to the premium Citi Prestige® Card* for cardholders of one of these and a Citi® Double Cash Card. HSBC Visa Gold Card gives you access to exclusive privileges around the world. Having more credit cards with open credit lines is, No Late Fees, No Penalty Rate, and No Annual Fee… Ever. You can also Earn RewardCash every time you use your Gold card. But if you have some trouble while shopping or traveling, the protections of this card might be able to help out. No annual fee. You must purchase the item entirely with your HSBC card. Do that, and it will be a good way to help you get out of credit card debt. The HSBC Gold Mastercard® is great for anyone looking for a low interest credit card. You can see one of your FICO 8 Credit Scores for free with this card. The star feature of this card its 0% APR for purchases and balance transfers, which lasts for 18 months. No sign up bonus. You may save some money compared to calling the service directly because some fees are pre-negotiated. How do you like it, and what do you use it for? If paying down credit card debt is your focus, the eye-catching feature of HSBC Gold Mastercard® Credit Card is the low regular APR, currently several percent lower than a number of competitor cards. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. 5% back is a pretty good rate. It has a 0% intro APR period of 15 months for purchases before the regular 14.99% - 23.74% Variable APR kicks in. You could save a lot of money on interest an extra few months before higher regular rates take effect. Plus, each month with 20 or more transactions earns a 20% point bonus. Apply Now. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. There are two versions of the card. Some other cards may waive your first late fee, but that’s usually as good as it gets. Like most credit cards with a long intro APR and no annual fee, the HSBC Gold Mastercard is pretty basic. You might be using an unsupported or outdated browser. The HSBC Gold Mastercard® offers a lot of benefits over its competitors in the 0% intro APR intro offer space. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Check out our picks for the Best 0% Intro APR Cards. Don’t close this card after the intro APR runs out. Other than that, there isn’t much else to this card. Stefan blogs at Rapid Travel Chai, dedicated to helping others take ‘trips of a lifetime’, even if they only have a weekend There are no rewards with this card, like points or cash back. The HSBC card provides one late fee waiver per year, which is also pretty favorable. Credit Card Insider is an independent, advertising supported website. This is just one scoring method and a credit card issuer may use another method when considering your application. It’s based on your Experian credit report, the same as the HSBC card. It will let you review your recent transactions, which will help you keep up to date with what is coming in and out if your account. After the intro rates end, purchases and balance transfers will both get an APR of 14.74% - 24.74% (Variable). The discounts are often around 25%, though many are even higher. Call 1-800-Mastercard if you need help with your vehicle when driving, like a tow truck or flat tire change. Read this for help picking your first card and find out what to expect when you apply. And complimentary ShopRunner membership, which provides free two-day shipping and returns at some online retailers. There is no signup bonus and no rewards for purchases. But it also has no penalty APR and no late fees, ever. * Email. Claims must be made within 60 days of the date of purchase. HSBC Gold Mastercard Credit Card is a credit card issued by HSBC Bank USA. In just about every way, it’s similar to the HSBC card. Sign In Sign Up HSBC Gold Mastercard® credit card. You’ll also have access to Amex Offers, where you can find discounts at a wide variety of merchants. However, your score will only be reported on your monthly statement, either digital or mailed. Don’t underestimate the power of 18 months no interest on purchases and balance transfers. Are you looking to cover the costs of a large purchase or clear your high-interest debt from another credit card? If you want to pay off some purchases or a large balance over time without accruing interest, this card is a great option for that. The HSBC Gold Mastercard® Credit Card is the spitting image of a no-frills credit card. Then a variable APR of 12.99% – 20.99% will apply. There’s no annual fee with this card. If a long-term low APR card is what you are after, the HSBC Gold Mastercard® Credit Card is a strong option to consider. Also, one late fee waiver per year. However, this isn’t much of a benefit because cardholders shouldn’t be paying late in the first place. This service is not available outside the U.S. Check out these popular alternatives: Forbes adheres to strict editorial integrity standards. Apply. HSBC Gold Mastercard Review: A Good Card for Avoiding High-Interest Debt. Learn more in our Editorial Guidelines. You can set up automatic payments to avoid late fees. You’ll have to look elsewhere if you want to earn points or make use of truly valuable perks. How to apply for the HSBC Gold Mastercard® credit card. But HSBC only lets you see your score on your monthly statement. Compared to other balance transfer cards, this card stack up nicely. Stefan used points to fulfill his travel dream, visiting every country in the world before turning 40. Disadvantages. If you're wondering whether HSBC Gold Mastercard Credit Card is the right card for you, read on. Late payment: $0 for first missed payment within a 12 month calendar period. This applies to print and online advertisements. It doesn’t have an annual fee, either. It offers: You can use the Blue Cash Preferred along with the HSBC card, like in the example given above. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Where this card falls short in its category HSBC Gold; Benefits. Do you have the HSBC Gold Mastercard card? You can also check your FICO Score 8 online any time you’d like. That means it can be completely free to use. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. If rewards are what you are after, then these rewards cards are stronger than the HSBC Gold Mastercard® Credit Card. Haven't found the right card yet? full set of benefits for the HSBC Gold Mastercard, Blue Cash Everyday® Card from American Express, Blue Cash Preferred® Card from American Express, Leave your own review of the Gold Mastercard. Credit Card Insider and CardRatings may receive a commission from card issuers. HSBC Gold Mastercard® Credit Card is a balance transfer card that has additional benefits for occasional travelers. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. You’ll need to decline the rental company’s own insurance or damage waiver in order for this to apply. Covers you, your spouse or domestic partner, and dependent children. The HSBC Gold Mastercard® Credit Card is a pretty simple card, with one main attraction: it offers a 0% intro APR period for 18 months before the regular 12.99–20.99% Variable APR applies. There's no annual fee, no foreign … Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. Get a 15% discount on Airport Meet and Greet services. The HSBC Gold Mastercard® credit card offers several benefits that give similar credit cards a run for their money. But Discover’s Cashback Match makes it even better. It has no rewards program, sign-up bonus, or unusually generous … Additionally, the HSBC Gold Mastercard® credit card has a lower APR range than competing cards at Variable APR of 13.99% - 23.99% will apply after the Introductory Period — helpful if you happen to carry a balance after the intro period. No bonus for new cardholders: In the best of all worlds, you can buy your big-ticket item with a new card that also earns you a bonus for new cardholders. And there’s no limit to the amount of cash back you can earn. For the fee, this card is much more rewarding. It’s low on fees: no annual fee, foreign transaction fee, or penalty APR. The Amex EveryDay® Credit Card ($0 annual fee) typically offers a welcome bonus for meeting a minimum spending requirement in the first several months of card membership. Purchase APR card Membership like a tow hsbc gold credit card review or flat tire change or $ 10 or 4 %, many! 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