Everything you need to know about HSBC Gold Mastercard.



Are you looking to cover the costs of a large purchase or clear your high-interest debt from another credit card? Take full advantage of the HSBC credit card generous 0% introductory APR with their Gold Mastercard on purchases and balance transfers. 

GOBankingRates have rated this credit card in their Top 5, especially for their balance transfers. With the HSBC Gold Mastercard, customers also enjoy a $0 annual fee allowing you to keep any monthly fees to a minimum and take control of your finances. One more thing, you won't receive any penalties for late payments with HSBC forgiving policy so you can enjoy full fee transparency.


Who Is This Card Suitable For?

If you’d like to finance a large purchase or transfer a hefty balance off another card which has unpleasant interest charges, HSBC Gold Mastercard is a suitable solution for you. All new and existing customers benefit from a $0 annual fee along with a generous 0% intro APR. In this way, you can focus on making your monthly payments in full without any extra fees.  

You can take full advantage of the 0% intro offer for the first 18 months of opening an account, generally longer than other introductory offers. Just make sure to complete your first purchase or balance transfer within 60 days for this offer to apply.  

To apply, simply go to the HSBC website where you will find an online application for their Gold Mastercard. The HSBC credit card requires that you are at least 18 years old with a minimum credit score of 690. You must provide some basic information including personal, financial, and security details so that HSBC can check if you qualify. Once the application is complete, an HSBC representative will contact you on the number provided to confirm approval and discuss repayment options. You should receive your new card in the post within seven working days.  


The HSBC Gold Mastercard offers customers a variety of beneficial features to make managing your finances a bit easier, including: 

Tap & Go 
Enjoy quick and easy transactions with the tap and go feature, allowing customers to make contactless payments without a pin. With this method of payment becoming more popular, you can use Tap & Go in a large variety of stores and restaurants.  

Monthly FICO  
Stay on top of your credit score with HSBC free monthly FICO which will be added to your monthly statements. The monthly FICO score provides a great way to manage your spending to ensure you maintain healthy credit. 

HSBC credit cards have their very own mobile app, meaning that you can manage your finances from just about anywhere. Access balances, make transfers and even pay with mobile-banking on Apple Pay, Samsung Pay, or Google Pay. 

Additional Cards 
If more than one person will use the account, you can apply for additional cards for other authorized users, completely free of charge. 

Late Feel Waiver 
Can't make your monthly payment on time? No worries. HSBC waives one late fee per year for each account so you don't have to stress about extra penalty charges.  

No Foreign Transaction Fees 
In comparison to other credit card providers who usually have a set rate of 3% on all foreign transaction fees, you can benefit from 0% on any purchases abroad or transactions on a foreign website.  

Fraud and Theft Protection  
Spend with ease knowing that you are protected with the HSBC Gold Mastercard. Customers will not be held liable for fraudulent activity on their account. HSBC offer Identity Theft Resolution Services with one-to-one support along the way from a team of professionals.  

What is the Intro APR?  
0% for the first 18 months on purchases and balance transfers 

What is the Regular APR?  
12.74% - 20.74% Variable 

What is the Annual Fee?  

What is the required Credit Score?  
690 minimum  

Perks of the Card

When it comes to rewards, the HSBC Gold Mastercard limits customers in comparison to other credit card providers who offer a generous reward scheme. However, if you tend to travel a lot, you can benefit from its travel perks including: 

MasterRental Coverage 
With your HSBC Gold Mastercard, you are covered against any theft or damage with any participating company for car rental. 

Roadside Assistance 
Broken down on the side of the road and need some assistance? HSBC will send a towing service directly to you.

Airport Meet and Greet 
Travelling somewhere new and want some guidance at the airport? Customers can enjoy 15% off a meet and greet service at over 450 destinations worldwide.  

Travel Insurance  
Receive $1,000,000 cover for any accidents while travelling.  

Shopping Perks  
Also, for all you shopping lovers out there, you can benefit from an extended warranty, price protection, and purchase protection. If you make a purchase and within 60 days you see the same item at a lower price, HSBC will match this price and refund you the difference between the two costs.   


Customer Support

If you wish to contact HSBC with any compliments or complaints, you can do so by post or phone on: 

Monday – Sunday  
7:00am – 12:00am ET

For further assistance, you can visit a local brand and speak with their customer service team face-to-face. Gold Mastercard members will receive 24/7 assistance for any cases of lost or stolen cards to ensure the incident is reported instantly and a member of the team will block your card from any future activity. However, HSBC has an 'F' rating on BBB due to their lack of response to customer complaints.  

For any general inquiries, you can explore the HSBC website to access their FAQ section or connect with the company on any social media platform. They are currently active on Facebook, Instagram, Twitter, and LinkedIn. 

Bottom Line

The HSBC Gold Mastercard can help you finance a large purchase or clear that high-interest debt you have on another card. However, if you’d prefer a generous reward scheme for your spending you may want to consider other options. 

  • No rewards

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Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.