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HSBC Gold Mastercard® credit card

Manage your finances without losing sight of what life is all about. The HSBC Gold Mastercard® credit card delivers the extra spending power you need. Apply Now Log on to apply for a HSBC Gold Mastercard credit card

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 12.74%, 16.74% or 20.74%†,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 Google Pay™ , Apple Pay® and Samsung Pay™

† 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 Cardholder Benefits and Services brochure can be accessed here


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.

How to apply

We offer three convenient ways to apply for the HSBC Gold Mastercard® credit card:


Contact our Customer Relationship Center

Monday – Sunday 7:00am – 12:00am ET.

Toll-free from within the U.S. or Canada:


Collect from everywhere else: 716.841.7141

In Person

Find the branch closest to you to apply in person.

Related links

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 Pay, Apple Pay, and Samsung Pay.

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.HSBC (4722). The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 12.74%, 16.74% or 20.74%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 12.74%, 16.74% or 20.74%, 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 26.74%. 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. 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 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 is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC

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

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