HSBC Gold Mastercard Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 05/14/2026
Not Currently Available
HSBC Gold Mastercard Credit Card
Claimed
from HSBC Bank USA
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +20
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
12.99% - 22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.99% - 22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
670 - 850
Annual Fee
$0
Number of Reviews
HSBC Gold Mastercard Credit Card Review
HSBC Gold Mastercard Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a card issued by HSBC Bank USA. If you're wondering whether HSBC Gold Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- APRs: HSBC Gold Mastercard Credit Card has a variable regular purchase APR that ranges from 12.99% up to 22.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. HSBC Gold Mastercard Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of HSBC credit card
| The Good | The Bad |
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HSBC credit card FAQ
Does HSBC credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for HSBC credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.HSBC Gold Mastercard Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .
Does HSBC credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 22.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does HSBC credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 18 months.
What are the fees for HSBC credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does HSBC credit card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for HSBC credit card?
The customer service number for HSBC credit card is (800) 975-4722.
What is the support contact email for HSBC credit card?
The support contact email for HSBC credit card is hsbcusahelp@us.hsbc.com.
How do people rate the customer service and user experience of HSBC credit card?
Overall, HSBC credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does HSBC Gold Mastercard Credit Card report your account activity to credit bureaus?
Yes, HSBC Gold Mastercard Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does HSBC Bank USA perform a hard credit pull?
Yes, HSBC credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for HSBC credit card
- Visit the website of HSBC credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View HSBC Gold Mastercard Credit Card's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from HSBC credit card
Hours of Operation
Sunday
Closed
Monday
10:00AM - 4:00PM
Tuesday
10:00AM - 4:00PM
Wednesday
10:00AM - 4:00PM
Thursday
10:00AM - 4:00PM
Friday
10:00AM - 4:00PM
Saturday
9:00AM - 1:00PM
Other Services by HSBC Bank USA
Personal Loans
7
1
1
9 Reviews
Other Credit Cards from HSBC Bank USA
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
660 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 18.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 18.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$45
Rating not yet determined
Purchase APR
17.24% - 21.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 21.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
N/A
Rating not yet determined
Purchase APR
14.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.24% - 21.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 21.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +20, or 3.4 on a 5-point rating scale.
+20
-1000+100
No one recommends
Everyone recommends
HSBC Gold Mastercard Credit Card Community Reviews
Would you recommend HSBC Gold Mastercard Credit Card to your friends?
BO
Bukola O.
Nov 24, 2023
May or may not recommend
I believe this bank is located in the United Kingdom. I recommend to other people.
Sara D.
Dec 8, 2020
May or may not recommend
I do not recommend the HSBC Credit Card. This card has a great sign up cash back offer, but to redeem the offer or make payments is painful! You cannot do this on an app, you must do it on the website. If a credit card does not have a good app where I can make my payments or redeem my cash back then it is really difficult for me ...Show More
RC
Robert C.
Feb 1, 2020
May or may not recommend
I DO NOT recommend this bank! REALLY! The customer service is far below the worst I have ever experienced. When I call I am always connected to someone in India who is extremely difficult to understand. Their goal is to spend as much time doing nothing for you. Asking to talk to a supervisor in the USA they told me to just call back and try again - then ...Show More
KW
Katrina W.
Jan 13, 2020
May or may not recommend
Oh Lord Help Me!!!
Decent credit limit ; Easy approval ; Attentive customer service
Miron L.
Dec 12, 2019
May or may not recommend
18 month 0% interest is one of the best zero interest offers available. This is one of the best cards available if you are looking to get a credit card to finance a major purchase. No annual fee either. And no foreign transaction fees.
Showing 5 of 5 reviews
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