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HSBC Gold Mastercard® credit card

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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

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

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Card Details

Rewards

This card does not offer rewards.

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

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.

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 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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HSBC Gold Mastercard

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