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HSBC Gold Credit Card

Enjoy extra spending power with fewer fees and penalties.

Save more with fewer fees

0%*,1 Introductory APR on Purchases and Balance Transfers in the first 18 months from Account opening. Balance Transfers must be posted within the first 60 days following Account Opening. After that, a competitive variable APR of 13.99% to 23.99%*,1, will apply.

  • No Annual Fee*1
  • No Foreign Transaction Fees


If your payment is late, we'll waive the late fee once within a 12 month calender* period.

We also won’t raise your APR if you pay late

Wallethub Best Award 2021 Best Overall Credit Card

Explore this card

Travel benefits

No Foreign Transaction Fees

There are no added costs when using your card to make purchases in a foreign country.

MasterRentalTM Coverage

Provides protection for physical damage and theft to most rental vehicles.2

Mastercard Airport Concierge™

Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide.2

Everyday Values and Experiences

PricelessTM Cities

Provides you the opportunity to engage in exclusive, once in a lifetime experiences in the cities where you live, shop and travel.2

Priceless Golf

Provides discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with a PGA Tour professional and much more.2 

Balance Transfers

When you transfer higher-interest debt to your HSBC Credit Card you could:

  • Save money on high-interest balances

  • Pay down balances faster

  • Streamline payments

  • Consolidate debt

Transfer balances for any amount

You can transfer balances for any amount, the total amount – including fees, if applicable – cannot exceed the available credit limit on your HSBC Credit Card.

Balance Transfers between HSBC accounts is not allowed.

Peace of Mind

Mastercard ID Theft Protection™

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft.2

Emergency Card Services

Mastercard Global Service® provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting.2

You use your phone for everything else, why not purchases?

Add your HSBC Credit Card to a digital wallet and you can simply tap your phone to checkout at participating retailers. It’s quick, secure, and simple to set up. 

Plus, when you pay with mobile, you’ll also make it easier to:

  • Shop online

  • Make in-app purchases

  • Pay with your smartwatch or tablet

Get started by adding your HSBC Credit Card today.

As an HSBC customer, you’re automatically enrolled in our fraud alert program

See your FICO® score for free, along with key score factors, on your monthly statement.

All HSBC Credit Cards are available with Google PayTM, Apple Pay®, and Samsung PayTM.

1 The information about the costs and benefits of the cards described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.975.4722 (HSBC). The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. 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. The variable Cash APR applies to cash advances and overdrafts, and is 24.99%. 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. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 5%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

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 Rewards and Benefits brochure and Mastercard Guide to Benefits brochure for full details.

3 Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

4 Google Pay is a trademark of Google LLC.

5 Samsung, Samsung Pay, and Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

6 Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.

7 Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Available for supported cards from participating banks; contact your bank for more information. Only available at NFC-enabled terminals. View current supported country, payment network and issuing bank information at

8 LG Pay is a registered trademark of LG Corp. Compatible with select credit/debit cards from participating banks. Available on select LG smartphones. App is downloadable from the Google Play™ store. Tokenization adds an extra layer of security.

* Calendar year commences on January 1 and ends December 31.

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

Mastercard and Tap & go are registered trademarks of Mastercard International Incorporated.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

*HSBC Gold Mastercard® credit card Summary of Terms

See below for a summary of the rates, fees and other costs of this credit offer. The Cardmember Agreement, to be sent with the card, contains all Account terms. We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to legal, business, competitive environment or other reasons not listed here. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.

For pre-qualified offers: This is valid within 30 days of when the offer has been extended to you, as long as you still meet the selection criteria, which consider factors bearing on creditworthiness, such as income, assets, and other information that you provide to us. You must provide a physical address.

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Loss of Introductory APRs: We may end your Introductory APRs and apply the Standard APR if you make a late payment that is more than 60 days late.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 06/01/2020.

*Calendar year commences on January 1 and ends on December 31.


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 who 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.


• All promotional introductory offer balance transfers must be requested within 60 days of Account Opening.

• Your card must be activated before requesting a balance transfer.

• You may transfer any amount; however, the total amount of your balance transfer and balance transfer fees must be less than your available credit limit.

• Once your application is approved, if the option is available to request balance transfers with your application, we will process your requests in the order listed. It may take up to 14 days after your Account is opened to process any balance transfer requests.

• You also have the option after receiving your card, to call the customer service number on the back of your card or visit us online to request a balance transfer.

• If at the time we process your balance transfer request, and the amount exceeds your available credit limit we reserve the right to cancel the request, or process the request at a lower amount.

• Continue to make payments on your other accounts until you have confirmed this balance transfer has been received.

• Balance transfer may not be used to pay other HSBC Bank USA, N.A. credit card or loans, or any HSBC affiliate.

• Interest will be charged on any balance transfers made with your credit card, unless you have a 0% promotional offer or you pay the New Balance shown on your statement in full by the payment due date.


If you are approved, we will process Balance Transfer requests in the order you list them, up to your Initial Balance Transfer Limit. This limit will be for an amount that is less than your total available credit. We do this so you will have enough available credit on your Account to cover any related fees.

If any request would cause you to exceed your Initial Balance Transfer Limit, we will either:

• cancel the request; or

• reduce the amount we transfer to a smaller amount that is within your limit.

After you are approved and activate your credit card, it may take up to 14 days to complete Balance Transfers. Because of this, you should continue to make payments on other accounts until you are sure they are paid.

See the SUMMARY OF TERMS for Balance Transfer fees.

Balance Transfers may not be used to make payments to any:

• loan made by any HSBC company; or

• any credit card issued by HSBC Bank USA, N.A.

You may receive other promotional offers from us. The only way to accept other offers is to follow their terms.


When you make a payment, we apply it to the balance on your monthly statement with the highest APR first. We apply payments to balances appearing on your monthly billing statement before being applied to new transactions. An example of a new transaction is a recent purchase or cash advance that has not yet been included in the New Balance as shown on your statement. If you do not pay your non-promotional balance in full each month, you may not be able to avoid interest charges on new purchases.

NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we inform customers that should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit reporting agency. If you are married, you may apply for credit in your own name.

NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal law.

NOTICE FOR NEW YORK AND VERMONT RESIDENTS: A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of any credit granted as a result of this application. Upon your request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736

NOTICE FOR OHIO RESIDENTS: The Ohio Laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

NOTICE TO WISCONSIN RESIDENTS: This offer is void in Wisconsin.

If you already have an HSBC Credit Card Account issued by HSBC Bank USA, N.A., you may not qualify for this offer.

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

Privacy: We respect your right to privacy. Our Privacy Notice provides details on the types of information we collect, why we collect it, and with whom we share it. By sharing information within the HSBC family of companies, we are able to offer you a comprehensive range of services to help you meet your financial goals. If you reside in California, you also receive the Important Privacy Choices for Consumers Notice. Both Notices provide instructions on how to contact us and record your privacy choices.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.