Rated 4/5 stars by our editorial team
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3.8/5.0 from 61 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
13.24%, 17.24% or 21.24% variable
Intro Purchase APR
0% for 18 months
Intro BT APR
0% for 18 months
Typical Credit Needed
Foreign Transaction Fee
Balance Transfer Fee
Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
Cash Advance Fee
Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.
$0 Fraud Liability
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
The HSBC Gold Mastercard® credit card is a simple credit card that comes with lengthy intro APRs and few fees allowing cardholders to save money with low interest rates. This card has an intro APR of 0% for 18 months on purchases and 0% for 18 months on balance transfers with an ongoing APR of 13.24%, 17.24% or 21.24% variable. The lengthy intro APR on purchases and balance transfer could save you hundreds of dollars if you're currently paying a high interest rate on another credit card.
With an intro APR of 0% for 18 months on balance transfer, you can transfer a balance to the HSBC Gold Mastercard® credit card and have well over a year to pay down your debt interest-free. It's important to note that there is a balance transfer fee, but the money you save on interest can easily cover the cost of the fee. You get this same intro APR of 0% for 18 months on purchases which makes this card a great option if you have a big purchase coming up and you want to pay it off over time without racking up interest charges. After the intro period is up, the ongoing APR is 13.24%, 17.24% or 21.24% variable.
This card doesn't come with any specific rewards program, but the money you save with the lengthy intro APR is certainly a rewarding benefit. To top it off this card has no annual fee, no foreign transaction fees, and no penalty APR.
This card is specifically designed to help you save money with an extra long intro APR. If you're looking to save money with a balance transfer of get low interest on an upcoming purchase, the HSBC Gold Mastercard® credit card is a great choice.
In addition to the lengthy intro APR on purchases and balance transfers, this card has no foreign transaction fees, no penalty APR and no annual fee. By keeping it simple, this card could help you save a lot of money.
There's no rewards program with this card and the balance transfer fee it a bit higher than some other credit card offers.
Editorial Note: This content is not provided by HSBC. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by HSBC.
3.8 out of 5.0