HSBC Gold Mastercard®


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 12.99%, 16.99%, or 20.99% Variable APR applies, which is quite long compared to most cards.

There are no rewards, but you’ll get some basic benefits with this card. Those include 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 12.99%, 16.99% or 20.99% will apply.
  • Shopping and travel protections.
  • One late fee waiver per year.
  • No Penalty APR.
  • No foreign transaction fees.
  • No annual fee.
  • Terms Apply.

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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 12.99%, 16.99%, or 20.99% 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 (for transfers made in the first 60 days)
Regular Balance Transfer APR 12.99%, 16.99%, or 20.99% Variable
Balance Transfer Fee 4%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

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

  • 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.

  • 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® Services

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

  • 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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