HSBC Gold Mastercard credit card | HSBC

 

HSBC Gold Mastercard® credit card

Get your new HSBC credit card today!

Apply now Click to call

0%†, 1 Introductory APR

On Purchases and Balance Transfers for the first 18 months from Account opening. After that, a competitive variable APR of 11.99%, 15.99% or 19.99%†, 1, will apply.

Save on Fees

No Annual Fee†, 1

No Foreign Transaction Fees

Travel Benefits

Plan your next trip with ease. Enjoy $1 million travel accident coverage and rental car collision insurance at no extra cost2.

Shopping Benefits

Shop with confidence knowing that your purchases are covered with our valuable protection programs.

Payment Technology

Receive personalized assistance in the event your identity is compromised. Your card is also equipped with a security chip for enhanced fraud protection2.

  • Introductory Offer
    • 0%†, 1 Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening. After that, a competitive variable APR of 11.99%, 15.99% or 19.99%†, 1, will apply.
  • Save on Fees
    • No Annual Fee†, 1
    • No Foreign Transaction Fees
    • Late Fee Waiver: in the event your payment is late, you will receive one late fee waiver per year
    • No Penalty APR
    • No fee for additional cards for authorized users
  • Travel Benefits
    • MasterAssist® provides pre-trip planning assistance, help with lost luggage and more2.
    • Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.2
    • $1 Million Travel Accident Insurance2.
  • Shopping Benefits
    • Extended Warranty doubles your original warranty up to 1 additional year2.
    • Purchase Assurance® covers most items from damage or theft2.
    • Price protection refunds the difference if you see an item advertised for less within 60 days of purchase2.
    • Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised2.
  • Payment Technology
    • Security chip offers enhanced protection when used at chip-enabled terminals.
    • Contactless payment feature provides fast, easy and safe checkouts.
    • Make mobile purchases with Android PayTM, Apple PayTM and Samsung Pay.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

Summary of Terms can be accessed here

HSBC Gold Mastercard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

HSBC Gold Mastercard® credit card Rewards & Benefits brochure can be accessed here

1 The information about the costs and benefits of the cards described is accurate as of 11/19/2017. The information may have changed after that date. To find out what may have changed, call 800.975.HSBC (4722). The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 11.99%, 15.99% or 19.99%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 11.99%, 15.99% or 19.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the HSBC Gold Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 25.99%. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee.

2 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard®, or HSBC Bank USA, N.A. See the HSBC Gold Mastercard® credit card Guide to Benefits and Terms & Conditions brochure for full details.

HSBC Gold Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval.

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Android Pay is a trademark of Google Inc.

Apple Pay is a trademark of Apple Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Have a question?

Call our Customer Relationship Center
800.975.4722

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。

普通话

我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

Welcome back!

Please select the product you applied for to resume your application.


Verify trial deposits

Start your credit journey here

Existing HSBC Customer

If you already have an account with HSBC, start here.

Log on to apply
Go to Top