Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. Looking for other cards with long intro APR periods? The Citi Simplicity® Card – No Late Fees Ever (Review), as the name suggests, is simple like the HSBC card. Check out some different card offers that are similar to HSBC card below. HSBC Gold Mastercard® Credit Card is a balance transfer card that has additional benefits for occasional travelers. This card is rated for good credit. See the full set of benefits for the HSBC Gold Mastercard. Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. American Express is a Credit Card Insider advertiser. See our alternatives below for some other cards with intro APRs and different features. Your experience may help others Ok, if I apply I'll share my experience No thanks, just go to the application. I opened an "interest free credit card" with these bullies on 02/02/2017. After the Introductory Period, a variable Purchase APR of 13.99% to 23.99%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 13.99% to 23.99%, depending on your creditworthiness, will apply to balance transfers, for the HSBC Gold Mastercard® credit card. Instead, the main focus of the card is to give you the ability to pay off debt without accruing high finance charges. For example, 60,000 points are worth $750 toward travel. Without a rewards program, the HSBC Gold Mastercard® Credit Card is primarily attractive for consumers that will make use of the balance transfer feature. Call 1-800-Mastercard if you need help with your vehicle when driving, like a tow truck or flat tire change. If you don’t, you can lose your introductory rate and get stuck with the regular purchase APR. Apply Now. Harley-Davidson Visa Credit Card 2021 Review, Grand Reserve™ World Mastercard® 2021 Review, Emirates Skywards Premium World Elite Mastercard® 2021 Review. Plus, every 12 months this card offers a late fee waiver for a late payment, a nice benefit for an easy mistake to make. However, the card has a slightly higher than normal transfer fee at 4 percent (or $10, whichever is greater). Then a variable APR of 12.99% – 20.99% will apply. Citi Flex Plan offers are made available at Citi’s discretion. Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®. Check out our picks for the Best 0% Intro APR Cards. And you can set up autopay to pay the statement balance in full each period, for an easy way to avoid interest. Efforts have been made to keep the content up to date and accurate. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. There are only some basic shopping and travel protections available. Just be sure to pay at least the minimum payment. It also has a set of rotating bonus reward categories: The 5% cash back calendar for the Discover it Cash Back for 2021 is: If you spend a lot in these reward categories, you could stand to earn quite a bit of cash back with this card. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. HSBC Gold Mastercard Credit Card Review. Sign In Sign Up HSBC Gold Mastercard® credit card. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. However, your score will only be reported on your monthly statement, either digital or mailed. The variable Cash APR applies to cash advances and overdrafts, and is … 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. The HSBC Premier Mastercard is issued by HSBC. The HSBC Gold Mastercard features an introductory APR on both purchases and balance transfers. No thanks, just go to the application. Register for free with HSBC online banking, and you will have the option to receive account updates via email or by text. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. For no annual fee, it provides a 0% introductory APR on purchases and balance transfers for 18 months. It’s also a Mastercard, so it has widespread acceptance. No annual fee. The information about the HSBC Gold Mastercard® credit card has been collected independently by MoneyUnder30. You’ll also have access to Amex Offers, where you can find discounts at a wide variety of merchants. Content is accurate to the best of our knowledge when it's published. Opinions are of the writer alone. HSBC Gold; Benefits. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. The HSBC Gold Mastercard® Credit Card is the spitting image of a no-frills credit card. Credit Card Insider is an independent, advertising supported website. Annual fee: PHP 2,500 Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 There’s no annual fee with this card. $0 liability guarantee on fraudulent transactions, Access to online and mobile banking through the HSBC app, Account alerts for when payments are due and processed. 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. 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. 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. 0% Intro APR on balance transfers for 18 months made within the first 60 days of account opening (then a standard APR based on your creditworthiness – currently 13.99%-23.99%). About the HSBC Premier credit card. Disadvantages. Along with solid flat-rate cash back, this card’s rewards program provides: So you won’t need to think about which category you’re spending in. However, where it’s lacking is the ability to earn rewards. How do you like it, and what do you use it for? Leave your own review of the Gold Mastercard, we’d love to hear from you! Also, one late fee waiver per year. HSBC’s online banking includes credit card functions. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. A list of these issuers can be found on our Editorial Guidelines. Compared to other balance transfer … Learn more in our Editorial Guidelines. You could save a lot of money on interest an extra few months before higher regular rates take effect. Balance transfers have an introductory $0 balance transfer fee for the first 60 days, then Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. Late payment: $0 for first missed payment within a 12 month calendar period. That’s true for all credit card issuers. The HSBC Gold Mastercard® credit card offers several benefits that give similar credit cards a run for their money. But you will get the same basic set of shopping and travel protections that many credit cards offer. Second Stimulus Check Calculator: How Much Will You Receive? It means you’ll get 10% cash back in those categories during your first year, and that’s a great deal. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. All Amex cards offer this service. There is no foreign transaction fee, rental car coverage, which is no longer common in MasterCards, and $1,000,000 in travel accident insurance. Contact us here. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. This doesn’t apply during the 0% intro period, of course. Be sure to keep up on payments during that intro period. The points earned are Amex Membership Rewards points that can be redeemed for rewards ranging from cash statement credits to airline and hotel transfers. Eligible items you buy with your HSBC card are covered against damage and theft for 90 days. New to credit cards? It doesn’t have an annual fee, either. Having more credit cards with open credit lines is, No Late Fees, No Penalty Rate, and No Annual Fee… Ever. For rates and fees of the Blue Cash Everyday® Card from American Express, please click here. The HSBC Gold Mastercard® Credit Card remains, first and foremost, a balance transfer card and on that criteria, it does well. Make regular payments to pay it off on time. Compared to other balance transfer cards, this card stack up nicely. Do you have a correction, tip, or suggestion for a new post? It’s similar in some ways to the HSBC Gold Mastercard, but its intro period is a bit shorter and it offers some cash back. 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. You must purchase the item entirely with your HSBC card. It has no rewards, and the benefits are very basic. Credit Card Insider receives compensation from some credit card issuers as advertisers. Gas Stations, Wholesale Clubs, Select Streaming Services. 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. This benefit will double the item’s warranty, up to a maximum of 12 additional months. The HSBC Gold Mastercard® credit card* is highlighted by a late fee waiver once every 12 months. Read this for help picking your first card and find out what to expect when you apply. But no matter which credit card issuer provides the score, it will usually be updated once per month anyway. * Email. All Discover cards allow you to see your FICO Score 8 online whenever you’d like. HSBC Gold Mastercard Review: A Good Card for Avoiding High-Interest Debt. Its sole distinctive feature is an unusually long 0% APR introductory promotion that covers 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. After that, up to $39, New Offer! Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership. Either $10 or 4%, whichever is greater, will apply on each cash advance transaction. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Many no annual fee cards lack these strong travel features. We gave this card 4 out of 5 Stars because it’s a simple and inexpensive card to use. Don’t take it on face value just yet—this card definitely deserves a closer look. But it doesn’t have many extra features. For ongoing spend, the Amex EveryDay® Credit Card earns earn 2 points per dollar spent at U.S. supermarkets on up to $6,000 per year, then 1 point per dollar at supermarkets along with spend everywhere else. HSBC GOLD MASTERCARD IN-DEPTH REVIEW 2021. Where Is My Stimulus Check? All ratings are determined solely by our editorial team. The HSBC Gold Mastercard is a decent card for users looking to pay down large debts with a generous introductory APR. But HSBC only lets you see your score on your monthly statement. These rewards can add up fast and are easily redeemed as statement credits. Travel purchased through Chase Ultimate Rewards, $200 bonus for spending $500 in the first 3 months. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. But there are some other similar card offers that you may be interested in too: The Chase Freedom Unlimited® (Review) is another reward credit card with no annual fee. Overdraft cash advance: $10 or 5% of the amount of each transaction,, whichever is greater. The responses below are not provided or commissioned by bank advertisers. Balance transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. The Discover it® Cash Back (Review) is a popular rewards credit card. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Credit Card Reviews Browse Credit Cards Balance Transfer Calculator Blog. If you’re looking for some time to pay off a large balance, this card provides over a year to do just that. They may pull both. It has no rewards program, sign-up bonus, or unusually generous … There are no rewards with this card, like points or cash back. However, this isn’t much of a benefit because cardholders shouldn’t be paying late in the first place. This cash back card has a $95 annual fee, and currently comes with a 0% intro APR on purchases for 12 months (then 13.99% - 23.99% Variable) (Rates & Fees). And also some account management features. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. Customers looking for future rewards and travel benefits in addition to a balance transfer should consider other balance transfer cards. 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. Provides $1,000,000 in coverage when traveling by common carrier, against accidental loss of life, limb, speech, sight, or hearing. The representative APR is 18.9% variable. After the intro rates end, purchases and balance transfers will both get an APR of 14.74% - 24.74% (Variable). Credit Card Insider has not reviewed all available credit card offers in the marketplace. The credit card offers 0% intro rates for 18 months, whereas the average 0% cards give you 10 months for all the new purchases and 11 months for the balance transfers. There are no rewards to earn with this card. It’s based on your Equifax credit report. 0% Intro APR on balance transfers for 18 months. Consider aiming to pay it off one month early, just to be safe. 13.99% - 23.99% Variable APR on purchases and balance transfers, Best Card for Earning up to 2% Cash Back on All Purchases, 12.99% - 23.99% Variable APR on purchases. HSBC Visa Gold Card gives you access to exclusive privileges around the world. Your first late fee will be waived each year. The Forbes Advisor editorial team is independent and objective. For the fee, this card is much more rewarding. That includes emergency card replacement or cash advances, medical assistance and referrals, and more. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. This card is designed around the long intro APR period, like some other cards. For complete details of any products mentioned, visit bank or issuer website. What Exactly Can Be Taken From You In A Lawsuit? Advertiser relationships do not affect card evaluations. Do that, and it will be a good way to help you get out of credit card debt. This applies to print and online advertisements. So you can use this rewards card to earn cash back for these kinds of purchases, and pay them off over the intro period. The complete lack of late fees is a very rare find. That bonus paired with a $0 balance transfer fee offer can jumpstart earning valuable rewards, which the HSBC Gold Mastercard® Credit Card lacks. Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, How to Buy Bonds: A Primer for New Investors, The 5 Best Round-Up Apps For Saving Money. Another exception is the Citi Simplicity® Card – No Late Fees Ever (Review), which has no late fees at all. Most of those cards only earn 1% on purchases that don’t fall into the bonus categories. And use the Blue Cash Everyday to earn rewards when you shop. 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. It has no annual fee, and a decent intro APR for purchases and balance transfers. HSBC Gold Credit Card Review. Or see a different card from HSBC that offers 1.5% cash back, the HSBC Cash Rewards Mastercard® (Review). This service is not available outside the U.S. Do you have the HSBC Gold Mastercard card? Use that intro period to pay down a balance over time at no extra cost. Instead, its most attractive features are the intro APR and low fees. Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. That means it can be completely free to use. Your first late fee will be waived each year, if necessary. 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. 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. If an item has multiple warranties they can each be extended. Provides pre-trip planning and help with travel emergencies. Customers focused on balance transfers have a good option here. All Rights Reserved. And complimentary ShopRunner membership, which provides free two-day shipping and returns at some online retailers. Expert review. This compensation comes from two main sources. 9.3 ☆ ☆ ☆ ☆ ☆ VISIT SITE . There are no foreign transaction fees either. 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. 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. Just click the Apply Now button to apply for this card. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. 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. The HSBC Gold Mastercard® credit card comes with a lot of benefits. So you’ll need to have a decent credit history and financial situation to improve your odds of being approved. From Seek Capital - Best for Balance Transfers. You can also check your FICO Score 8 online any time you’d like. The HSBC Gold Mastercard is simple, but it does one thing very well. The HSBC Gold Mastercard® Credit Card comes with additional card benefits, including: The HSBC Gold Mastercard® Credit Card is a solid balance transfer card, though it lacks the welcome bonus or rewards program of cards like the Amex EveryDay® Credit Card*and the Citi® Double Cash Card. ; No foreign transaction fee. Great, you can create an account later. You’ll be taken to HSBC’s site to apply, where you can provide your personal information. It’s based on your Experian credit report, the same as the HSBC card. If you find an item you bought being advertised for a lesser price, you could be reimbursed for the price difference. “Been with HSBC for years, great bank, but their gold...” Written on: 06/01/2009 by robradcliffe (1 review written) Been with HSBC for years, great bank, but their gold credit card thing is an anomaly as every other card I have with different banks (5 in all) lets you view historical data for 6 months - but not the HSBC … Looking at its key features, you’ll see how the HSBC Gold Visa stack up with other credit cards out there. 06/06/2019 Many or all of the companies featured provide compensation to LendEDU. But if you have some trouble while shopping or traveling, the protections of this card might be able to help out. Unemployment‌ ‌Benefits‌ ‌Boost‌ Calculator, Compare HSBC Gold Mastercard With Other Credit Cards, Capital One Savor Review | Up To 4% Cash Back, Platinum Card From American Express Review, Capital One QuicksilverOne Cash Rewards Review, Capital One VentureOne Rewards Card Review, A Forbes Guide To Choosing A Cash Back Credit Card, Balance Transfers between HSBC accounts is not allowed, 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from account opening, Late Fee waiver: If your payment is late, we’ll waive the late fee once every 12 months, Tap & go® with any HSBC credit card: Tap & go® contactless payments are faster than swiping or inserting your card for payment, No Foreign Transaction Fees: There are no added costs when using your card to make purchases in a foreign country, Mobile Pay: All HSBC Credit Cards are available with Apple Pay, Google Pay, and Samsung Pay, MasterRental Coverage: Provides protection for physical damage and theft to most rental vehicles, Emergency Card Services: Mastercard Global Service® provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting. Don’t underestimate the power of 18 months no interest on purchases and balance transfers. You must charge the entire fare to your HSBC card to be eligible. The other benefits are a bit better than what you’ll get with the HSBC card. They include Entertainment Access, which provides preferred and pre-sale tickets at certain events. If a long-term low APR card is what you are after, the HSBC Gold Mastercard® Credit Card is a strong option to consider. Plus, each month with 20 or more transactions earns a 20% point bonus. The star feature of this card its 0% APR for purchases and balance transfers, which lasts for 18 months. This is everything you need to know to make a good choice. This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. There’s an upgraded version of the Blue Cash card, the Blue Cash Preferred® Card from American Express (Review). This is a pretty forgiving feature. These are provided as guidelines only and approval is not guaranteed. Do You Need To Claim The Second Stimulus Check? When Will I Get It? After that, the APR remains competitive depending on the cardholder’s credit. So you can use this card outside the country without worrying about an extra fee, like many other credit cards will charge. It’s low on fees: no annual fee, foreign transaction fee, or penalty APR. You’ll need to decline the rental company’s own insurance or damage waiver in order for this to apply. All products featured here are from our partners. Provides coverage against damage and theft for rented vehicles when you pay with the Gold Mastercard. Among balance transfer cards, the APR for the HSBC Gold Mastercard is among the lowest available, several percentage points lower than a number of more well-known competitors. 0% Intro APR on balance transfers for 18 months from date of first transfer. Stefan used points to fulfill his travel dream, visiting every country in the world before turning 40. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. Application Link. Advertiser relationships do not affect card ratings or our Best Card Picks. 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. Many Americans Have Already Received Their $600 Stimulus Payments—Have You? This card also comes with some basic shopping and travel protections. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Stefan blogs at Rapid Travel Chai, dedicated to helping others take ‘trips of a lifetime’, even if they only have a weekend Get a 15% discount on Airport Meet and Greet services. 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). It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. Then, you can pay off your purchase while taking advantage of an … No rewards: The HSBC Gold Mastercard® credit card lacks any kind of rewards program, so your spending won't bring you any closer to cash back or discounted travel. Covers you, your spouse or domestic partner, and dependent children. It may not be the most exciting card, but it’s one of our top picks for the Best 0% Intro APR Credit Cards. Credit Card Insider receives compensation from some credit card issuers as advertisers. There are two versions of the card. Without a rewards program, the HSBC Gold Mastercard® Credit Card is primarily attractive for consumers that will make use of the balance transfer feature. You can see one of your FICO 8 Credit Scores for free with this card. 5% back is a pretty good rate. You might be using an unsupported or outdated browser. Your credit score is only available on your statement, rather than freely online like many other cards. Haven't found the right card yet? Apply. 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. Content is not provided or commissioned by any credit card issuers. To make sure that you pay off your balance on time without accruing any interest, divide your balance by the number of months you have to pay it. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. Just pay off your balance in full every month to prevent interest charges from accruing. 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