HSBC Star Alliance Credit Card

To be eligible for Fast Track to Star Alliance Gold Status, you must apply and be approved for a new HSBC Star Alliance Credit Card and spend $4,000 on eligible purchases within the first 90 days from account opening. Star Alliance Gold status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Status will be granted within 30 days after reaching the qualifying spend of $4,000, provided that your account is active and not in arrears. Your status will be granted until the first anniversary of your account opening or earlier, if you qualify for a higher status with your selected Frequent Flyer Program by any means. You may not be able to receive Star Alliance Gold status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Star Alliance Credit Card within the last 18 months are ineligible for this offer.

Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.

Lounge access extends to Star Alliance Member Airlines, Star Alliance-branded lounges and certain contract and program lounges when travelling on flights operated by Star Alliance Member Airlines. The right to lounge access for Star Alliance Gold customers is subject to the terms and conditions of Star Alliance Lounge Access Policy available here.

Where available.

Refers to priority lanes for airport security and immigration, where available – list of locations available here. Subject to local laws and regulations.

Available on itineraries involving a connection between two or more Star Alliance member airlines. Not all member airlines offer this benefit on own flights not involving such connections. Check with your relevant member airline at time of booking.

Except when travelling on an award ticket. At all times, subject to applicable legal regulations and the policy of the member airline concerned.

At all times, subject to applicable legal regulations and the policy of the member airline concerned.

Star Alliance Gold status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Generally, your status will be granted for at least 12 months or less if you qualify, by any means, for a higher status tier with your selected Frequent Flyer Program. Exceptions apply, please refer to the Star Alliance Rewards Terms and Conditions. The start date of your status may differ depending on the Frequent Flyer Program you select and may not be until the next anniversary of the opening of your card account (more information available on the Star Alliance Rewards Terms and Conditions). Status will not be granted unless your account is active and not in arrears. You may not be able to receive Star Alliance Gold status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status, or any status earned in the same qualification year. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account.

Upon qualification under this option, these rules apply instead of those of the Fast Track to Star Alliance Gold welcome offer.

You must spend at least $60,000 on eligible purchases in each 12-month period starting from account opening. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.

Star Alliance Silver status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Generally, your status will be granted for 12 months or less if you qualify, by any means, for a higher status tier with your selected Frequent Flyer Program. Exceptions apply, please refer to the Star Alliance Rewards Terms and Conditions. The start date of your status may differ depending on the Frequent Flyer Program you select and may not be until the next anniversary of the opening of your card account (more information available on the Star Alliance Rewards Terms and Conditions). Status will not be granted unless your account is active and not in arrears. You may not be able to receive Star Alliance Silver status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status, or any status earned in the same qualification year. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account.

You must spend at least $30,000 on eligible purchases in each 12-month period starting from account opening. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges.

The benefits of Star Alliance Silver and Star Alliance Gold status are subject to change.

Star Alliance Points are earned in accordance with and are subject to HSBC Star Alliance Rewards Terms and Conditions. No points are earned on interest free and other promotions, Balance Transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. Membership, and the earning and redemption of points is subject to the terms and conditions of Star Alliance Rewards available here. Earn 1 Star Alliance Point per $1 spent up to $3,000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Star Alliance Points per statement period. The earning of Star Alliance Points is uncapped.

Subject to your membership in the Frequent Flyer Program (FFP) of the relevant Star Alliance Member Airline. Transaction limits and other reasonable redemption conditions of Star Alliance Rewards apply, available here. List of FFPs of participating Star Alliance member airlines available here.

Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at www.hsbc.com.au which may be amended from time to time. Consider its appropriateness to these factors before acting on it. You can contact AGA on 1800 648 093. 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.

If during the period of your cover, you (and your spouse/dependents, if they're eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19) cover may be available under selected International Travel Insurance benefits. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at www.hsbc.com.au

Any outstanding balance at the end of the 6-month promotional period reverts to the standard variable purchase rate (currently 19.99% p.a.). Only applicable for purchases made directly through one of the following participating airlines websites Singapore Airlines, Air New Zealand, Air Canada, United Airlines, Thai Airways, Eva Air, South African Airways

The Annual Fee will be $0 in the first year, then $450 in subsequent years and is subject to change. Therefore, the first annual fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. $0 Annual Fee in the first year does not apply to existing HSBC customers transferring from another HSBC credit card.

To be eligible for the introductory Balance Transfer interest rate, the Balance Transfer request must be made when applying for the new HSBC credit card and must be from non-HSBC credit cards. The total balance transfer amount must not exceed 90% of your approved credit limit. For the HSBC Star Alliance Credit Card, the introductory interest rate on the Balance Transfer applies for 12 months from the day the Balance Transfer has posted. After this period, any balance outstanding will accrue interest at the current variable cash advance rate (currently 21.99% p.a.). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts the highest interest rate first, and then to portions of your balance that attract lower interest rates. This may mean applying all payments made to your Star Alliance Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount.

The Balance Transfer Fee will be calculated at 2% of the balance being transferred to your HSBC credit card account. This fee is applied at the time the balance is transferred and forms part of the total outstanding balance.

Terms and conditions apply for the Home&Away Privilege Program

Up to 55 days interest free on purchases will depend on when you make your purchases, when your statement is issued, and if you pay off the outstanding balance on your next statement of account on or before the due date. There is no interest free period for cash advances. You will only receive the benefit of an interest free period on purchases if you pay your full closing balance (excluding any balance transfer, cash transfer and promotional purchases) by the due date.