Provider
LiveHSBC
As of 18 September 2026, HSBC has 9 products across four of the 8 pillars BankMate tracks: 1 savings account, 6 credit cards, 1 term deposit and 1 personal loan. Its highest-placed product is AUD Term Deposit at 4.75% p.a. for 3 months, 115th of 369 3-month deposits. Its rates last moved on 19 May 2026.
- Pillars
- 4 of 8
- No home loans, superannuation, share trading…
- Products tracked
- 9
- 1 savings account · 6 credit cards · 1 term deposit
- Highest placed
- #115
- AUD Term Deposit · of 369 3-month deposits
- Last change
- 19 May 2026
- 1 change on record
What changed
1 change across 1 pillar since 31 Mar 2026- Savings accountsHSBC Bonus Savings Account - AUD 4.00 → 4.25Base rate 1.75% → 2.00% · 13 days after the RBA rise to 4.35%+0.25
Savings accounts · 1
Total rate, conditions met · ranked among 94 accountsBalance must grow · bonus up to $250k
4.25%#85 of 942.00% base + 2.25% bonus
- Balance growth
- $300/month
- Balance range
- $0 - $250,000
- Age
- 12+ years
Full savings accounts record for HSBC →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for HSBC · Compare all savings accounts
Credit cards · 6
Ranked by bonus net of first-year fee · of 51 bonus cardsHSBC Rewards Plus · 2
1.5 HSBC Rewards Plus pts per $ · $199 fee, $0 in year 1 · domestic lounges
—No bonus · $199 fee, $0 in year 1- Annual fee
- $199
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- HSBC Rewards Plus
- Base earn rate
- 1.5 HSBC Rewards Plus pts per $
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
1.5 HSBC Rewards Plus pts per $ · $199 fee, $0 in year 1 · domestic lounges
—No bonus · $199 fee, $0 in year 1- Annual fee
- $199
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- HSBC Rewards Plus
- Base earn rate
- 1.5 HSBC Rewards Plus pts per $
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Qantas Frequent Flyer · 2
1.5 Qantas Frequent Flyer pts per $ · $399 fee, $0 in year 1
—No bonus · $399 fee, $0 in year 1- Annual fee
- $399
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 1.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
1.5 Qantas Frequent Flyer pts per $ · $399 fee, $0 in year 1 · domestic lounges
—No bonus · $399 fee, $0 in year 1- Annual fee
- $399
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 1.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Earn 1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance points per $1 spent on eligible purchases thereafter. The earning of Star Alliance Points is uncapped. · 1
0.5 Earn 1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance points per $1 spent on eligible purchases thereafter. The earning of Star Alliance Points is uncapped. pts per $ · $499 fee, $0 in year 1
—No bonus · $499 fee, $0 in year 1- Annual fee
- $499
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- Earn 1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance points per $1 spent on eligible purchases thereafter. The earning of Star Alliance Points is uncapped.
- Base earn rate
- 0.5 Earn 1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance points per $1 spent on eligible purchases thereafter. The earning of Star Alliance Points is uncapped. pts per $
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
No rewards · 1
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Rewards program
- None
- Purchase rate
- 12.99% p.a.
- Cash advance rate
- 25.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- No
Full credit cards record for HSBC →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest at maturity · from $0 · 16 terms
3 mo 4.75%6 mo 4.50%9 mo 3.15%1 yr 3.15%2 yr 3.50%3 yr 3.50%5 yr 3.50%15 mo 3.25%18 mo 3.25%4 yr 3.50%4.75%#115 of 3693 months
- 3 months
- 4.75% · #115 of 369
- 6 months
- 4.50% · #237 of 547
- 9 months
- 3.15% · #494 of 500
- 1 year
- 3.15% · #583 of 590
- 2 years
- 3.50% · #333 of 394
- 3 years
- 3.50% · #286 of 345
- 5 years
- 3.50% · #88 of 152
- 15 months
- 3.25% · #28 of 29
- 18 months
- 3.25% · #120 of 122
- 4 years
- 3.50% · #119 of 157
- Minimum deposit
- $0
- Interest paid
- At maturity
- Early withdrawal
- Allowed · This product has a fixed term. If you wish to withdraw the funds from the Term Deposit account prior to maturity, you will need to provide 31 days' notice (except in certain cases of hardship). An early withdrawal administration fee and interest reduction will apply
Full term deposits record for HSBC →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 1
Comparison rate · ranked within unsecured or secured loansUnsecured · fixed · car loan · $150 application · $5/mo
13.54%#187 of 212comparison · from 12.99% advertised
- Advertised rate
- from 12.99% p.a.
- Comparison rate
- 13.54% p.a.
- Rate type
- Fixed
- Application fee
- $150
- Monthly fee
- $5
- Annual fee
- None
- Early repayment fee
- $199
- Loan amount
- $5,000 – $50,000
- Loan term
- 1 year to 5 years
Full personal loans record for HSBC →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
HSBC has no home loans, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on HSBC
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