HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card

on HSBC's secure website

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card

on HSBC's secure website

Card details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.

  • No Penalty APR.

  • Late Fee Waiver.

  • No Foreign Transaction Fees.

  • $0 Annual Fee.

  • $0 liability for unauthorized purchases.

  • Terms Apply.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

  • Ongoing Apr

    12.99%, 16.99% or 20.99% Variable APR

    Cash Advance APR: 26.99%, Variable

  • Balance Transfer Fee

    4%

  • Foreign Transaction Fee

    None

Recommended credit score

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NerdWallet Review

By Sara Rathner

Rating Details

3.5

Editor's overall rating

Pros and Cons

Pros
  • No annual fee

  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a 12.99%, 16.99% or 20.99% variable APR

  • No foreign transaction fee

Cons
  • No rewards

If you’re looking to finance a large purchase or are trying to eliminate existing debt while avoiding interest, the HSBC Gold Mastercard® credit card could fit the bill. The card offers a 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a 12.99%, 16.99% or 20.99% variable APR, along with a reasonable 4% balance transfer fee and no foreign transaction fee. Its annual fee is annual fee is $0.

What helps to set this card apart is its forgiveness policy for your first late payment. You also won't be charged a penalty APR. Other perks include travel benefits, price protection, purchase assurance and extended warranty.

However, anyone who’s hoping to earn rewards will want to look elsewhere. For more information, see NerdWallet’s full review of this card.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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