Important Information
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders who apply by 31-Dec-16. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC. Visit hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. HSBC credit card account holders who have previously cancelled their card may be ineligible for these promotional offers. 
1. To be eligible for the introductory balance transfer rate, the balance transfer request must be made when applying for an HSBC credit card. The interest rate on the balance transfer applies for 15 months and must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently 21.99% p.a. as at 24-Oct-16 and subject to change). HSBC will allocate payments received from you to pay off the portion of your balance attracting the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your HSBC Platinum Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. 
2. $149 Annual Fee applies, this will be refunded for customers applying between 1 January 2016 and 31 December 2016 who spend $6,000 on eligible purchases with card within 12 months of account approval. Refunds will be posted automatically within 30 days of eligible spend criteria being met, if your account is current and in good state. Eligible purchases exclude interest free promotions, balance transfers, business expenses, cash advances, fees or charges, any disputed transactions, and any government fee or charge. 
3. Reward Program terms, conditions and points capping limits apply. Eligible purchases exclude interest free promotions, balance transfers, business expenses, cash advances, fees or charges, any disputed transactions, BPAY® and any government fee or charge. 
4. Insurance policies are issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708) and HSBC Bank Australia Limited ABN 48 006 434 162 (AFSL 232595). Terms and Conditions, limits and exclusions available at hsbc.com.au. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093.