Top of main content

HSBC Gold Credit Card

Enjoy extra spending power with fewer fees and penalties

Save more with fewer fees

0% Introductory APR

0%1 Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening (“Introductory Period”).1 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. 

Late Fee wavier

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

no penalty APR. see footnote 1 for details

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

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

Tap & Go® with any HSBC Credit Card

Tap & Go® contactless payments are faster than swiping or inserting your card for payment.

It’s easy! 

  • Place – Simply place your  HSBC Credit Card close to a contactless payment terminal

  • Hold – Briefly hold your card close to the terminal until it confirms the payment with a green light or beep,

  • Done – Follow the prompts, and you're done!

Thousands of merchants accept contactless payments – use your card wherever you see the contactless symbol.

† Summary of Terms can be accessed here

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

How to apply

Important Service Announcement

Effective May 26, 2021

Last year, we at HSBC Bank USA, N.A. (“HSBC” or “the Bank”) set out on a journey to be able to better cater to our clients’ needs globally and from a wealth management perspective. You may have seen a recent announcement from us about the next phase of this plan. As a result of this new focus for HSBC, we are streamlining parts of the Bank. This decision was not made lightly, but is necessary for us to best position the Bank for the future. As part of this, some of our branches, clients, and employees will be transitioned to another financial institution in the coming months. 

What this means for you

If you are:

  • An existing HSBC customer who is opening a new deposit account or applying for unsecured credit, and you have been notified that you’re being transitioned; or
  • A new HSBC customer who is applying for unsecured credit or opening any other deposit account than an HSBC Premier checking, savings or credit card account; or
  • A new or existing HSBC Retail Business Banking customer who is opening a new deposit account or applying for credit, then*

    * Any HSBC account(s) opened or applied for today will be transitioned to a new financial institution in the near future.
  • If you are interested in insurance or investments, please contact an HSBC Securities (USA) Financial Consultant. 


More details and FAQs can be found at

New to HSBC

To apply for an HSBC Gold credit card, you must first open an HSBC deposit account3. Explore the benefits of HSBC checking accounts.

Existing HSBC Customer

Log on to Personal Internet Banking to apply for an HSBC Gold credit card.

PhoneContact our Customer Relationship Center at


If you’re calling from outside the US or Canada, call 


Representatives are available daily from 7AM – 12AM ET. 

In Person

Find the branch closest to you to apply in person.

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 Apple Pay®,
Google PayTM, 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 transfers. 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 Benefits brochure and Mastercard Guide to Benefits brochure for full details.

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

3 To apply for an HSBC Gold Mastercard® credit card, you must first open a HSBC deposit account. For a complete list of HSBC checking account eligibility requirements please visit For a complete list of HSBC savings account requirements please visit For a complete list of HSBC CDs requirements please visit

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

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

Mastercard and Tap & Go are registered trademarks 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, 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.

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

Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI and HSBC Insurance Agency (USA) Inc. (HIA) offer Insurance products. In California, HSBC does business as HSBC Securities Insurance Services, License # OE67746. HIA California License #: OD36843. Investment and Insurance Products: Not FDIC Insured | Not Insured by the Federal Government or any Federal Government Agency | Not a Deposit or other obligation of, or guaranteed by, The Bank or any Affiliate of the Bank | Subject to Investment Risk, including loss of Principal Invested. 

HSBC and its affiliates do not provide tax or legal advice. All decisions regarding tax implications of your Investments should be made in consultation with your independent tax advisor. 

We're here to help you. Find the answers and while you're at it, tell us how we could do better.