A $99 annual fee and a 12.99% p.a. purchase rate as of 18 September 2026. The fee ranks 37th lowest of 100 cards tracked by BankMate. There is no sign-up bonus on offer.
Annual fee over time
Annual fee- Low Rate Credit Card
Changes
No changes recorded for this product since tracking began on 10 September 2026.
Fees
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Late payment fee
- $30
Earning
- Rewards program
- None
Interest
- Purchase rate
- 12.99% p.a.
- Cash advance rate
- 25.99% p.a.
- Interest-free days
- Up to 55
- Balance transfer
- 0.00% for 12 months, then 0.00%
Perks
- Complimentary travel insurance
- Yes
- Purchase protection
- No
- Concierge
- No
- Network
- Visa
Eligibility
- Minimum income
- $40,000 a year
- Minimum credit limit
- $1,000
- Maximum credit limit
- $500,000
About this product
An HSBC Low Rate Credit Card with 12.99% p.a. interest on purchases and no overseas transaction fees.