How to Get an HSBC Gold Mastercard Credit Card


If you’ve got to make a huge purchase you weren’t expecting and don’t want to pay interest, the HSBC Gold MasterCard credit card might be a good option for you to look into. You will have the opportunity to make that purchase and you won’t have to pay interest for the first 18 months after you open your account. This can be a total lifesaver, but of course you have to apply and see if you qualify (details about that below).

There are many reasons you might be seeking out a new credit card and your reasons might not match all the credit cards available. You should know you have thousands of options, the key is to do your research and find the one that’s going to help you out the best. Things to look out for include interest fees, late charges as well as perks.


Our editors have investigated the HSBC Gold MasterCard for you. The details below will give you a wide glimpse into what they can offer you as a customer. Read everything and match it to your needs. Once you have done that you can make a better informed decision on whether or not this HSBC card is right for you.

What is the Benefit of an HSBC Gold Mastercard Credit Card?

Frequent travelers will be delighted to learn that there are no extra costs when purchasing with this card in foreign countries. Explore this card to enjoy travel benefits. You can enjoy theft and physical damage coverage and a 15% savings on Greet services and Airport Meet. You’re also covered with insurance in the case of rental vehicle damage or accidents!

By using the card, you can organize for your Greet agent and dedicated Meet on airport arrival, departure, or when linking flights in more than 450 global destinations. The HSBC Gold Mastercard enables you to engage in exclusive and lifetime experiences across the cities.


Do you want to enjoy priceless golf? The HSBC Gold Mastercard offers discounted access to different golf courses, lessons with a PGA trip expert, and more.


And, once you transfer greater interest debts to your card, you benefit from the following.

  • Pay down balances faster
  • Consolidate debt
  • Transfer balances of any amount
  • Save cash on high-interest balances
  • Streamline payments

There are a couple of reasons the HSBC Gold credit card offers you a peace of mind. If you ever think you might be a victim of fraud, you can turn to the Mastercard ID theft protection, whereby the users can access identity theft resolution services. For stolen and lost cards, the institution ensures emergency care services.

For ease of use, you can even place your credit card near a contactless payment terminal and hold the card until it verifies the payment through a beep or light. A large number of dealers acknowledge contact-less payments. You can use the Mastercard whenever you view the contact-less symbol.

Now that you’re familiar with some of the perks of this credit card, read on to find out whether you’re eligible to apply for one today.

What are the Fees of an HSBC Gold Mastercard Credit Card

  • No annual fee
  • Annual Percentage Rate (“APR”) for Purchases: 0% Introductory APR will apply for the first 18 months from account opening. After that, your APR will be 12.74%, 16.74%, or 20.74% based on your creditworthiness.
  • APR for Balance Transfers: 0% Introductory APR will apply for the first 18 months from account opening. Balance transfers must be posted within the first 60 days following Account opening. After that, your APR will be 12.74%, 16.74%, or 20.74% based on your creditworthiness.
  • APR for Cash Advances: 26.74%
  • Overdraft Transaction: Either $10 or 4%, whichever is greater, will apply on the overdraft amount.
  • Late Payment Fee: $0 for first missed payment within a 12 month calendar period. After that, up to $37.

If you have been searching for an economy-friendly, low-interest credit card, an HSBC Gold Mastercard Credit Card could fit the bill. The various benefits with an HSBC card don’t only make it a possibility for a wide variety of folks, those benefits can truly help those who need to make a massive purchase and don’t have the immediate dollars.

If the fees above sound doable and you think the benefits are worth it, you can read further. Next we will tell what you need to apply. You can also learn how to apply, but make sure you only take that step if you are qualified. The HSBC Gold Mastercard will do a hard check on your credit score, and if you are denied it could have a negative effect – so be sure.

HSBC Gold Mastercard

How to Apply for an HSBC Gold Mastercard Credit Card

In order to be eligible to apply for this specific Mastercard, you may need to meet age and residency requirements, such as being a permanent resident of the US or being at least 18 years old. For more information regarding requirements, speak with an HSBC agent or refer to their website.

You can apply for the HSBC Gold Mastercard at a branch in person or online. To apply online, simply visit the HSBC website and follow the provided application steps.

If successful in your application, you will be assigned a credit limit specific to your conditions, such as creditworthiness, debts, etc.

How to Contact HSBC

Head Office

8 Canada Square

London E14 5HQ

Telephone: 1-800.485.1794 (or 716.841.7141 if you’re dialing from outside the U.S. or Canada).


Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.