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HSBC Gold Mastercard® credit card

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on HSBC's secure site

HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 88 Offer Ratings
Over the Past 60 Days!

(88) Over the Past 60 Days!

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on HSBC's secure site


  • Regular Purchase APR

    12.99%, 16.99% or 20.99% variable

  • Intro Purchase APR

    0% for 18 months

  • Intro BT APR

    0% for 18 months

  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee

    None

  • 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.

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    Yes

  • Extended Warranty Program

    Yes

  • Roadside Assistance

    No

  • Purchase Protection

    Yes

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    4.0

  • Intro APR

    5.0

  • Fees

    4.0

  • Benefits

    3.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

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 12.99%, 16.99% or 20.99% 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 12.99%, 16.99% or 20.99% 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.

The Bottom Line

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.

The Good

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.

The Not So Good

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.

Expert Reviews of the HSBC Gold Mastercard® credit card

  • Regular APR

    4.0

  • Intro APR

    5.0

  • Fees

    4.0

  • Benefits

    3.0

  • Overall Rating

    4.0 /5


Consumer Reviews 88 Reviews

Offer Rating

3.7 out of 5.0

5 Star
 
 
(19)
4 Star
 
 
(37)
3 Star
 
 
(24)
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(6)
1 Star
 
 
(2)

Your Rating

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