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HSBC Star Alliance Credit Card

Name: HSBC Star Alliance Credit Card
Brand: HSBC
Rating: 4.6 (1 reviews)

Highlights

Earn 1 Star Alliance Point per $1 on eligible purchases (capped at $3,000 per statement period), then 0.5 points per $1 thereafter.
Pay no annual fee in the first year ($499 p.a. thereafter).
Reach Star Alliance Gold Status by spending $4,000 or more on eligible purchases within the first 90 days of account opening.
Gold Status grants you benefits like Priority Airport Check-in, Priority Baggage Handling, Priority Boarding, Airport Lounge Access, Extra Baggage Allowance, and more.

Pros and cons

Pros

0% p.a. on balance transfers for 12 months with a 2% balance transfer fee.
Offers 0% interest for 6 months on flight bookings.
Use or convert your Star Alliance points with major frequent flyer programs from participating airlines.
Includes complimentary travel insurance with Rental Vehicle Excess Insurance in Australia and Transit Accident Insurance.
Plus Extended Warranty and Purchase Protection insurance.
Get a free Frequent Values™ membership, which gives you access to 4,500 promos at select stores, restaurants, hotels, and family attractions.
Enrol family members as additional cardholders at no extra cost.
Up to 55 interest-free days.
This card is compatible with Apple Pay and Google Pay.
Take control of your card with the HSBC Australia app.

Cons

The $3,000 monthly spend threshold can feel restrictive, even though there’s no cap on earning potential.
The annual fee reverts to $499 after the initial year.
To maintain Gold member status after the first year, you’ll need to spend at least $60,000 annually. This can be ideal for frequent travelers and high spenders.
A 3% foreign transaction fee applies to purchases made overseas.

History

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

The basics

Additional cardholders. Multiple additional cardholders at no extra fee.
Digital wallets. You can use this card with Apple Pay, Google Pay, or Samsung Pay.
Gambling transactions. Gambling transactions are blocked on this card.

Rewards and benefits

Complimentary travel insurance. The HSBC Star Alliance Credit Card comes with complimentary international travel insurance. The card must have been used to purchase travel expenses before departure to activate the cover. Eligibility criteria apply.
Concierge services. The HSBC Star Alliance Credit Card has no access to a 24/7 concierge service.
Global lounge access and priority at airports. Airport lounge access at over 1,000 lounges worldwide.
0% interest for 6 monthson flight bookings made directly through participating Star Alliance member airlines.
Insurances. This card comes with fraud protection, extended warranty protection, purchase protection insurance, price protection insurance, and transport accident insurance.
Rewards points. The HSBC Star Alliance Credit Card allows cardholders to earn 1 Star Alliance Point per $1 spent on eligible purchases and overseas transactions. There is no cap on how many Star Alliance Points can be earned, and they have no expiry date. However, the highest earn rate only applies for the first $3,000 in a statement month, then drops to 0.5 Star Alliance Points per $1 spent. Star Alliance Points can be transferred to frequent flyer programs of participating airlines — Air Canada, Air New Zealand, EVA Air, Singapore Airlines, South African Airways, Thai Airways, and United Airlines — then redeemed for flights or upgrades. This choice provides flexibility and makes it easier to find award seats on the dates you want to travel.
Sign up bonus. Spend at least $4,000 on eligible purchases within 90 days of opening your account and get Star Alliance Gold Status. Should you choose to be gold with Singapore Airlines or United, you'll also get lounge access and priority check-in when flying with Virgin Australia.

Rates and fees

Annual fee. This card comes with an initial fee of $0 and an ongoing annual fee of $499 p.a.
Balance transfers. The HSBC Star Alliance Credit Card offers a balance transfer offer of up to 90% of your credit limit, with a 2% balance transfer fee and a 0% introductory rate for 12 months, reverting to 21.99% p.a.
Cash advances. With this card, you will be charged 21.99% p.a. on any cash advances made, with interest accruing immediately from the transaction date. HSBC will charge a one-off fee and a percentage of the cash advance amount for any cash advances made with this card.
Foreign exchange fee. A 3% foreign transaction fee will be applied to all purchases made in a foreign currency, either online or overseas.
Interest-free period. Enjoy up to 55 days interest-free on purchases with the HSBC Star Alliance Credit Card when you have paid your previous balance in full or made the minimum required payment.
Purchases. The HSBC Star Alliance Credit Card does not offer an introductory purchase offer. Purchases will attract an interest rate of 19.99% p.a.