HSBC Credit Card Credit Card Application

Terms and Conditions

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/ACL No. 232595. Offer available to new, approved HSBC credit card holders who apply by 31/12/2011 via the online channel. HSBC cardholders who have previously cancelled the same card type as the new card they are applying for may not be entitled to any promotional offers. Fees and charges and HSBC's lending criteria apply. Terms and conditions apply and are available on request. Interest rates can be found at hsbc.com.au and are current as at 31-Oct-11 and are subject to change. ^ The $0 Annual Fee applies to the standard HSBC Credit Card only, and only applies while you remain an HSBC customer. * 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, or within 1 month of receiving the new card. The interest rate on the balance transfer applies for six months and is limited to the first balance transfer request per account from other store cards or non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the interest rate for cash advances. HSBC may allocate payments we receive from you to pay the total amount owing in any order we see fit, including applying any or all payments made to your HSBC credit card account, to reduce the balance(s) transferred first and then any subsequent purchases. A 2% balance transfer handling fee will apply to the requested balance transfer. Please allow up to 3 statement periods from the end of this promotion for the balance transfer fee to appear on your statement. Offer not available to current or previous HSBC credit card holders. ~ There are no interest-free days on cash advances and balance transfers. You will not gain the benefit of the 55 day interest-free period until the full balance (including any balance transfer or promotional transaction amount) is paid in full by the due date on your monthly statement. Your interest-free period may vary depending on when you make your purchases and when your statement is issued.