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    HSBC Gold Mastercard® credit card

    HSBC Gold Mastercard® credit card

    For People with
    Fair Credit

    Apply Now

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    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
    HSBC Gold Mastercard® credit card

    For People with
    Fair Credit

    Apply Now

    REVIEWS

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    Manage My Card

    Want to pay a bill or check your balance?

    Pay My Bill

    Pay My Bill
    Request Credit Limit Increase

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    Limit Increase
    Speak to Customer Service
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    1-888-385-8916

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    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 18 months
    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.

    A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

    How balance transfers work
    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.

    Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

    How cash advances work

    Card Benefits

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

    Read about this specific card’s benefits
    Learn about credit card benefits

    • 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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