Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
Intro Balance Transfer APR | 0% for 18 months |
Regular Balance Transfer APR | 12.99–20.99% Variable |
Balance Transfer Fee | Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. |
Penalty APR | N/A |
Late Fee | Up to $37 |
Returned Payment Fee | Up to $25 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | None |
Borrowing cash on your 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.
Cash Advance APR | 27.24% Variable |
Cash Advance Fee | Either $10 or 4%, whichever is greater, will apply on each cash advance transaction. |
HSBC has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe 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 12.99–20.99% 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.