hsbc gold credit card review

This is a favorable term for cardholders, but hopefully you don’t need to use it. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. There is no signup bonus and no rewards for purchases. The credit card offers 0% intro rates for 18 months, whereas the average 0% cards give you 10 months for all the new purchases and 11 months for the balance transfers. This benefit will double the item’s warranty, up to a maximum of 12 additional months. It doesn’t have an annual fee, either. With no annual fee and a low introductory rate, you’ll get the chance to save on your purchases and balances you decide to transfer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Other than that, there isn’t much else to this card. Application Link. Do You Need To Claim The Second Stimulus Check? When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. How to apply for the HSBC Gold Mastercard® credit card. For example, 60,000 points are worth $750 toward travel. No rewards: The HSBC Gold Mastercard® credit card lacks any kind of rewards program, so your spending won't bring you any closer to cash back or discounted travel. © 2021 Forbes Media LLC. After that, the APR remains competitive depending on the cardholder’s credit. Instead, the main focus of the card is to give you the ability to pay off debt without accruing high finance charges. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. No annual fee. They include Entertainment Access, which provides preferred and pre-sale tickets at certain events. It’s based on your Experian credit report, the same as the HSBC card. ; No foreign transaction fee. Available when traveling 50 miles or more from home. The HSBC card provides one late fee waiver per year, which is also pretty favorable. Advertiser relationships do not affect card evaluations. Credit Card Insider receives compensation from some credit card issuers as advertisers. The points earned are Amex Membership Rewards points that can be redeemed for rewards ranging from cash statement credits to airline and hotel transfers. There are no rewards with this card, like points or cash back. But Discover’s Cashback Match makes it even better. For ongoing spend, the Amex EveryDay® Credit Card earns earn 2 points per dollar spent at U.S. supermarkets on up to $6,000 per year, then 1 point per dollar at supermarkets along with spend everywhere else. Compared to other balance transfer cards, this card stack up nicely. Don’t take it on face value just yet—this card definitely deserves a closer look. No thanks, just go to the application. If you’re looking for some time to pay off a large balance, this card provides over a year to do just that. The HSBC Gold Mastercard is an easy-to-use, no-frills credit card, which charges no annual fee. Advertising partners do not edit or endorse our editorial content. For complete details of any products mentioned, visit bank or issuer website. Content is accurate to the best of our knowledge when it's published. So you can use this card outside the country without worrying about an extra fee, like many other credit cards will charge. Credit Card Insider receives compensation from some credit card issuers as advertisers. Then, you can pay off your purchase while taking advantage of an … There are no foreign transaction fees here either. Second Stimulus Check Calculator: How Much Will You Receive? Late payment: $0 for first missed payment within a 12 month calendar period. The HSBC Gold Mastercard® Credit Card comes with additional card benefits, including: The HSBC Gold Mastercard® Credit Card is a solid balance transfer card, though it lacks the welcome bonus or rewards program of cards like the Amex EveryDay® Credit Card*and the Citi® Double Cash Card. It means you’ll get 10% cash back in those categories during your first year, and that’s a great deal. 13.99% - 23.99% Variable APR on purchases and balance transfers, Best Card for Earning up to 2% Cash Back on All Purchases, 12.99% - 23.99% Variable APR on purchases. Everything you need to know about HSBC Gold Mastercard. This applies to print and online advertisements. But it also has no annual fee, and is very forgiving when it comes to the other terms. HSBC Gold Mastercard Credit Card Review. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. With no foreign transaction fee, rental car coverage and $1,000,000 in travel accident coverage, the HSBC Gold Mastercard® Credit Card is useful for booking the occasional trip. The card details have not been reviewed or approved by the card issuer. All ratings are determined solely by our editorial team. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Learn more in our Editorial Guidelines. You may save some money compared to calling the service directly because some fees are pre-negotiated. Customers looking for future rewards and travel benefits in addition to a balance transfer should consider other balance transfer cards. Covers you, your spouse or domestic partner, and dependent children. Credit Score ranges are based on FICO® credit scoring. Credit Card Insider and CardRatings may receive a commission from card issuers. You can set up automatic payments to avoid late fees. However, where it’s lacking is the ability to earn rewards. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. You must purchase the item entirely with your HSBC card. Sign In Sign Up HSBC Gold Mastercard® credit card. Compared to other balance transfer … There are two versions of the card. Be sure to keep up on payments during that intro period. They may pull both. Are you looking to cover the costs of a large purchase or clear your high-interest debt from another credit card? So you can use this rewards card to earn cash back for these kinds of purchases, and pay them off over the intro period. Citi Flex Plan offers are made available at Citi’s discretion. Just click the Apply Now button to apply for this card. Why you can trust this review. Gas Stations, Wholesale Clubs, Select Streaming Services. Apply Now. A good HSBC Gold Visa review starts with the basics. This card also comes with some basic shopping and travel protections. 9.3 ☆ ☆ ☆ ☆ ☆ VISIT SITE . This doesn’t apply during the 0% intro period, of course. Plus, each month with 20 or more transactions earns a 20% point bonus. Do that, and it will be a good way to help you get out of credit card debt. You might be using an unsupported or outdated browser. This review covers the free version. How do you like it, and what do you use it for? Without a rewards program, the HSBC Gold Mastercard® Credit Card is primarily attractive for consumers that will make use of the balance transfer feature. Based in Seattle and a graduate of The Wharton School, University of Pennsylvania, Stefan is fluent in Mandarin Chinese and worked in China for a decade. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. Just be sure to pay at least the minimum payment. There’s an upgraded version of the Blue Cash card, the Blue Cash Preferred® Card from American Express (Review). Provides $1,000,000 in coverage when traveling by common carrier, against accidental loss of life, limb, speech, sight, or hearing. The HSBC Gold Mastercard® Credit Card is the spitting image of a no-frills credit card. Apply. Particularly, the low regular APR is among the lowest found in balance transfer cards. See our alternatives below for some other cards with intro APRs and different features. Then a variable APR of 12.99% – 20.99% will apply. Great, you can create an account later. $0 liability guarantee on fraudulent transactions, Access to online and mobile banking through the HSBC app, Account alerts for when payments are due and processed. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. The HSBC Gold Mastercard® credit card offers several benefits that give similar credit cards a run for their money. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Key facts: No annual fee, card only available to HSBC Premier current account holders. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. For the fee, this card is much more rewarding. That’s about all there is to this card. Your first late fee will be waived each year, if necessary. Other than that, there isn’t much else to this card. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Many no annual fee cards lack these strong travel features. This card is rated for good credit. What Exactly Can Be Taken From You In A Lawsuit? HSBC Visa Gold Card gives you access to exclusive privileges around the world. In just about every way, it’s similar to the HSBC card. It has no annual fee, and a decent intro APR for purchases and balance transfers. If paying down credit card debt is your focus, the eye-catching feature of HSBC Gold Mastercard® Credit Card is the low regular APR, currently several percent lower than a number of competitor cards. Annual fee: PHP 2,500 Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 The HSBC Gold Mastercard® Credit Card is a pretty simple card, with one main attraction: it offers a 0% intro APR period for 18 months before the regular 12.99–20.99% Variable APR applies. I opened an "interest free credit card" with these bullies on 02/02/2017. Efforts have been made to keep the content up to date and accurate. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. For those who travel occasionally, the HSBC Gold Mastercard® Credit Card has several travel features. This card is designed around the long intro APR period, like some other cards. The Citi® Double Cash Card is one of the most rewarding cards in the market, earning a total 2% cash back on every purchase (1% when you buy + 1% when you pay for the purchases). HSBC Gold; Benefits. The HSBC Gold Mastercard® is great for anyone looking for a low interest credit card. This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. Ashley Sutphin Watkins. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®. Along with solid flat-rate cash back, this card’s rewards program provides: So you won’t need to think about which category you’re spending in. “Been with HSBC for years, great bank, but their gold...” Written on: 06/01/2009 by robradcliffe (1 review written) Been with HSBC for years, great bank, but their gold credit card thing is an anomaly as every other card I have with different banks (5 in all) lets you view historical data for 6 months - but not the HSBC … That means it can be completely free to use. If you want to pay off some purchases or a large balance over time without accruing interest, this card is a great option for that. Some other cards may waive your first late fee, but that’s usually as good as it gets. The Forbes Advisor editorial team is independent and objective. The HSBC Gold Mastercard features an introductory APR on both purchases and balance transfers. Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. All Discover cards allow you to see your FICO Score 8 online whenever you’d like. That’s true for all credit card issuers. Customers focused on balance transfers have a good option here. Check out our picks for the Best 0% Intro APR Cards. The HSBC Gold Mastercard is a decent card for users looking to pay down large debts with a generous introductory APR. It has no rewards, and the benefits are very basic. HSBC will pull either your Equifax or Experian credit report. 0% Intro APR on purchases for 18 months from date of account opening. No sign up bonus. Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership. The HSBC Gold Mastercard® credit card comes with a lot of benefits. These rewards can add up fast and are easily redeemed as statement credits. But there are some other similar card offers that you may be interested in too: The Chase Freedom Unlimited® (Review) is another reward credit card with no annual fee. Check out these popular alternatives: Forbes adheres to strict editorial integrity standards. Overview. Plus, for those who develop an interest in travel rewards, the Citi® Double Cash Card now allows point transfers to the premium Citi Prestige® Card* for cardholders of one of these and a Citi® Double Cash Card. It will be based on your Experian credit report, just like that offered by HSBC. Unemployment‌ ‌Benefits‌ ‌Boost‌ Calculator, Compare HSBC Gold Mastercard With Other Credit Cards, Capital One Savor Review | Up To 4% Cash Back, Platinum Card From American Express Review, Capital One QuicksilverOne Cash Rewards Review, Capital One VentureOne Rewards Card Review, A Forbes Guide To Choosing A Cash Back Credit Card, Balance Transfers between HSBC accounts is not allowed, 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from account opening, Late Fee waiver: If your payment is late, we’ll waive the late fee once every 12 months, Tap & go® with any HSBC credit card: Tap & go® contactless payments are faster than swiping or inserting your card for payment, No Foreign Transaction Fees: There are no added costs when using your card to make purchases in a foreign country, Mobile Pay: All HSBC Credit Cards are available with Apple Pay, Google Pay, and Samsung Pay, MasterRental Coverage: Provides protection for physical damage and theft to most rental vehicles, Emergency Card Services: Mastercard Global Service® provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting. , whichever is greater, will apply, so it has no fee... 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