Ranked in the top 5 of the best balance transfer cards according to GOBankingRates annual Best Credit Card rankings for 2019

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 12.99%, 16.99% or 20.99%1 will apply. 

Late Fee wavier

If your payment is late, we'll waive the late fee once every 12 months

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 Guide to Benefits brochure can be accessed here

HSBC Gold Mastercard® credit card Cardholder Benefits and Services brochure can be accessed here

How to apply

New to HSBC

Apply for an HSBC Gold Mastercard® credit card.

Existing HSBC Customer

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

PhoneContact our Customer Relationship Center

Toll-free from within the U.S. or Canada:
Monday – Sunday 7:00am – 12:00am ET.

Toll-free from within the U.S. or Canada:
800.485.1794

From everywhere else: 716.841.7141

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 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. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 12.99%, 16.99% or 20.99%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 12.99%, 16.99% or 20.99%, 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 26.99%. 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. 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.

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