HSBC Gold Mastercard® credit card

Margaret Drummond  in  0% APR How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
0% Introductory APR on credit card purchases for the first 18 months from account opening
Balance Transfer Intro APR:
0% Introductory APR on balance transfers for the first 18 months from account opening
Regular APR:
Variable APR of 12.99% - 20.99% will apply after the Introductory Period
Terms and Restrictions Apply | Rates and Fees

Commonly used for: 0% Introductory APR, Balance Transfer.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

The HSBC Gold Mastercard is one of the cards features on Bankrate’s list of best zero interest credit cards, it enable users to finance a purchase or pay off debt with a relatively lengthy introductory 0% APR of 18 months, the card is was one. A variable APR of 12.99% – 20.99% will apply after the Introductory Period.


The HSBC Gold Mastercard is a run of the mill, no rewards card with a cushy 18 month 0% introductory APR period. If you’re loyal to HSBC and have good to excellent credit, this card is a fine option for paying off high-interest debt with a nice bit of a runway.

One unique bonus for this card is its measured graciousness – HSBC will waive one late payment fee per year with no penalty APR.

Who should get this card

HSBC account holders may enjoy the benefit of staying close to a brand they prefer.  Particularly if you have a short-term financing need or a bit of debt that you’d like to pay off interest-free over 18 months (12.99% – 20.99% variable APR thereafter). Consider, however, that the 4% balance transfer fee is not the lowest rate going.

While the HSBC Gold Mastercard comes with some nice features, it’s pretty much just fine.  It’s not the best credit card option for most consumers. With a longer-than-average 0% introductory APR as its primary selling point, it is still mediocre compared to other cards with the same 18-month window.

  • Not currently available
  • With no annual fee and a 0% introductory APR for 18 months, this credit card is a win for financing a large purchase or paying off debt (12.99% - 20.99% variable thereafter).
  • HSBC offers an outstanding grace period for cardholders who are a bit forgetful and may be late on a payment here and there. Once a year, late payment fees are waived, and no penalty APR is applied.
  • No rewards.

Fees and APR

  • No Annual Fee.
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% – 20.99% will apply.
  • The balance transfer fee is $10 or 4% of the amount of each transfer, whichever is greater.
  • A late fee of up to $37 may apply, but the one late fee every 12 months is waived.
  • No Foreign Transaction Fee.
  • See Rates & Fees.

Extras, perks and using points

Like all Mastercard products, the HSBC Gold Mastercard includes travel benefits such as travel accident insurance, roadside assistance and lost luggage assistance.

There are shopping perks as well— the card will double a warranty on your purchases for up to an additional year, and with the price protection feature, if you find an item for a lower cost within 60 days of buying it, Mastercard will refund the difference.

There are no rewards or points structures for the HSBC Gold Mastercard.


The information about the HSBC Gold Mastercard credit card has been collected independently by The card details have not been reviewed or approved by the card issuer.