HSBC Gold Mastercard® credit card


The HSBC Gold Mastercard® is a simple credit card.

It offers an introductory APR of 0% for 18 months for both purchases and balance transfers, before the regular 13.24–21.24% Variable APR applies, which is quite long compared to most cards.

There are no rewards, but you’ll get some valuable benefits with this card. These include Mastercard Airport Concierge, Purchase Protection and Price Protection when shopping, and Master RoadAssist services in case you break down on the road.

You’ll also get some pretty generous terms, like no annual fee or foreign transaction fees, no penalty APR, and a late fee waiver every year.

Card Quick Facts

Card Quick Facts

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% 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

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 13.24–21.24% Variable
Intro Purchase APR 0% for 18 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $37
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 18months
Regular Balance Transfer APR 13.24–21.24% Variable
Balance Transfer Fee Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Mastercard® Airport Concierge

    15% savings on Airport Meet & Greets, with personal agents to escort you through the airport at over 450 destinations, 24/7.

  • Yearly Late Fee Waiver

    Your first late fee will be waived each year.

  • Free FICO® Credit Score

    Get free access to one of your FICO® Credit Scores, based on your Equifax credit report. Updated monthly.

  • Fraud Protection

    HSBC will monitor your account to help catch and prevent fraudulent activity.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • Identity Theft Resolution Services

    Provides assistance if you believe you’ve become a victim of identity theft.

  • Lost / Stolen Card Reporting

    Receive a temporary card the next day in the United States if you immediately report your card lost or stolen, with 24/7 service.

  • Purchase Protection

    Provides coverage for eligible lost or stolen items within 90 days from the date of purchase.

  • Price Protection

    If you find an eligible item you bought being advertised for a lesser price within 60 days, you can be reimbursed for the price difference.

  • Extended Warranty Protection

    Extends an eligible manufacturer’s warranty by up to one additional year.

  • MasterAssist® Travel Assistance Services

    Provides pre-trip planning and help with travel emergencies, including emergency card replacement or cash advances.

  • MasterRental® Insurance

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Master RoadAssist® Service

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. May save money with pre-negotiated fees.

  • Travel Accident Insurance

    Covers you and your family against accidental injury or loss of life up to $1,000,000, when traveling by common carrier.

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