There are so many credit card products on the market today that it can be difficult to discern which one will serve your needs the best. If you live in Australia, though, you can take advantage the simple benefits offered by the HSBC Credit Card.
Saving money can be difficult when times are tough and in a global economy that is riddled with issues caused by fuel taxes and civil war, every country feels the crunch. Thankfully, though, if you live in Australia you can take advantage of some attractive financial products designed to get you more out of your credit cards.
Save Money with Common Benefits
Of course, one of the most important things that you want to do is save money. Most people do not necessarily think of credit cards in terms of this idea, but they should. The HSBC Credit Card can, in fact, help you save money when you compare it to other credit cards currently on the market. This is because it has several of the best features that consumers want:
- No annual fee, ever
- A remarkably low introductory interest rate on balance transfers for 6 months
- A fairly low introductory rate on standard purchases
This is just the beginning, though, as there are several other ways that you can save money with the HSBC Credit Card.
Save Money with Special Benefits
It is very common, these days, for cards to feature additional benefits that provide customers with multiple opportunities to save money. While things like competitive rates will definitely attract you to a particular credit card, the HSBC Credit Card also offers addition specialty benefits like an interest-free period of 55 days. This feature gives you nearly two months free from interest to pay off your new purchases in full. If you can pay off a new purchase within this time frame you will not have to pay any interest at all. Many cards offer a benefit like this, but most are significantly shorter in their grace period.
As with many other cards on the market, the HSBC Credit Card also features an incentive rewards program that lets you earn points with each and every purchase that you charge to your card. While these programs go by many different names across the industry, this one is known as the HSBC Home & Away Privilege Program. This program gives you access to many exclusive offers, discounts, and benefits all over the world.
Save Time by Applying Online
If all of this sounds good to you, then you probably appreciate simple things; and there’s nothing wrong with that. All you need to do now is apply for your new HSBC Credit Card. Fortunately you can do this very quickly and easily online.
In order to apply for an HSBC Credit Card you need to be:
- At least 18 year old
- A citizen of Australia, New Zealand, or a Permanent Resident of Australia
- In good credit standing
If you are a non-permanent resident, you also have the opportunity to take advantage of the benefits of the HSBC Credit Card if you:
- Hold a valid 457 Visa or a Visa with unlimited work rights like a Spousal Visa or Bridging (this does not include a Student or Visitor Visa)
- Earn a significant minimum gross income
- Have, at least, a year-long employment contract or a permanent contract with no end date
The actual application is very simple and pretty standard for a credit card. You will be asked to submit information regarding your current credit card accounts as well as other liabilities you may have. This could include a home loan, student loans, auto loans, other financial products, or store credit cards. You will probably also be asked to submit information regarding your assets too. This could include things like the balance in your checking or savings account as well as the value of any vehicles you may own, even if they are recreational. Of course, you will also have to tell them how much money your household makes.
The HSBC Credit Card offers many simple ways for you to save money, which is excellent for a credit card to do at this time in history. If you live in Australia and are thinking about a change, this might be one to consider.