Star Alliance Credit Card | Fast-Track Gold Status

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Star Alliance

Explore a world of rewards

With the HSBC Star Alliance Credit Card, earn Star Alliance Gold Status and Rewards points from your daily spending.

Fast track your way to Star Alliance Gold Status[@cards-star-alliance-fast-track] in year one of your account when you spend $4,000 or more on eligible purchases in the first 90 days[@cards-star-alliance-eligible-purchases]
Earn 1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 points per $1 afterwards[@cards-star-alliance-points-uncapped]
Get 0% pa interest on balance transfers for 12 months[@cards-balance-transfer-offer] (2% balance transfer fee applies)[@cards-2-percent-balance-transfer-fee]
Share the benefits with those close to you, with no additional cardholder fees[@additional-cardholder]

Rates and fees

Annual fee $0 in the first year ($450 afterwards)[@cards-star-alliance-annual-fee]

Interest-free period on purchases Up to 55 days[@cards-up-to-55-days]

Interest rate for purchases19.99% pa

See how to apply

Star Alliance Gold Status

Enjoy a premium travel experience normally reserved for very frequent flyers.

Star Alliance Points

Redeem points and access Rewards seats across 7 participating Star Alliance frequent flyer programs.

Travel with exclusive perks

Get access to complimentary insurance and more[@cards-complimentary-insurance].

Gold Status privileges

Enjoy Star Alliance Gold Status benefits no matter which of the 26 Star Alliance member airlines you fly with.

Relax in any of the 1,000+ available airport lounges[@cards-star-alliance-lounge]
Avoid the queues with priority security lanes[@cards-star-alliance-airport-security], check-in, and boarding where available
Bring all of your essentials with an extra 20kg baggage allowance or piece of luggage depending on your airline's rules[@cards-star-alliance-baggage]
Enjoy greater flexibility with priority airport stand-by[@cards-star-alliance-standby] and reservation waitlists[@cards-star-alliance-priority-reservations-waitlists]
Access additional benefits when flying with your chosen airline’s Gold Status program, which may include preferred seating, discounted upgrades, and more[@cards-star-alliance-airline-list].

Following the introductory Fast Track to Gold Status offer, you earn Star Alliance Gold Status[@star-alliance-ffp] when your combined account spend is $60,000[@cards-star-alliance-gold-status-eligible-purchases] or more on eligible purchases in a qualification year[@cards-star-alliance-airline-qualification-disclaimer]. Please note any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account.

Unlimited Star Alliance Points

Earn and redeem Star Alliance Points to fly to over 1,200 international destinations through the Star Alliance network.

Get 1 Star Alliance Point per $1 spent, up to $3,000 per statement period and 0.5 points per $1 afterwards[@cards-star-alliance-points-uncapped]
Redeem Star Alliance points to book international flights through any of the participating Star Alliance frequent flyer programs[@cards-star-alliance-convert-points]
Use your Star Alliance Points to book domestic travel through selected participating airlines[@cards-participating-airlines].

Travel insurance and more

Save on your next trip with complimentary travel insurance benefits and 0% interest for 6 months on flight bookings.

Get domestic and international travel insurance with rental vehicle excess insurance in Australia, transit accident insurance, extended warranty insurance, and purchase protection insurance[@cards-complimentary-insurance]
Treat yourself today with Visa's outstanding offers and perks on flights, food, fashion, and more
0% interest for 6 months on flight bookings through the website of a participating Star Alliance member airline using your HSBC Star Alliance credit card[@cards-star-alliance-0-interest]

Convenience that continues at home and abroad

Mobile payments

Make fast and secure contactless payments with your phone anywhere that accepts Apple Pay or Google Pay – online and at participating retail stores[@cards-mobile-payments].
My Card Controls

Use My Card Controls to help keep your spending safe with transaction limits and the ability to lock or unlock your card.

HSBC Instant Savings

Discover over 4,500 ways to save when you get the HSBC Instant Savings app – learn more [@cards-instant-savings-tnc]

Why choose HSBC?

Award-winning credit card

The HSBC Star Alliance Credit Card was the winner of the WeMoney Travel Credit Card of the Year Award in both 2023 & 2024. HSBC was also awarded the Canstar Bank of the Year for Everyday Banking 2020 to 2024.

Card fees and features

Find out the fees and features for the HSBC Star Alliance Credit Card.
Fees and features	Details
Interest rate for purchases	19.99% per year
Interest-free period[@cards-up-to-55-days]	Up to 55 days
Interest rate for cash advances	21.99% per year
Annual fee[@cards-star-alliance-annual-fee]	$0 in the first year ($450 afterwards)
Balance transfer rate (introductory)[@cards-balance-transfer-offer]	0% for the first 12 months
Balance transfer fee[@cards-2-percent-balance-transfer-fee]	2% of the balance transferred
Cash advance fee	3% or $4, whichever is higher
Overseas transaction fee	3%
Additional cardholder fee (cardholder must be over 16 years old)[@additional-cardholder]	$0
Minimum income requirement	$75,000 per year
Minimum credit limit	$6,000
Late payment fee	$30

Find out the fees and features for the HSBC Star Alliance Credit Card.
Fees and features	Interest rate for purchases
Details	19.99% per year

Fees and features	Interest-free period[@cards-up-to-55-days]
Details	Up to 55 days

Fees and features	Interest rate for cash advances
Details	21.99% per year

Fees and features	Annual fee[@cards-star-alliance-annual-fee]
Details	$0 in the first year ($450 afterwards)

Fees and features	Balance transfer rate (introductory)[@cards-balance-transfer-offer]
Details	0% for the first 12 months

Fees and features	Balance transfer fee[@cards-2-percent-balance-transfer-fee]
Details	2% of the balance transferred

Fees and features	Cash advance fee
Details	3% or $4, whichever is higher

Fees and features	Overseas transaction fee
Details	3%

Fees and features	Additional cardholder fee (cardholder must be over 16 years old)[@additional-cardholder]
Details	$0

Fees and features	Minimum income requirement
Details	$75,000 per year

Fees and features	Minimum credit limit
Details	$6,000

Fees and features	Late payment fee
Details	$30

What you need to know

Card tradeoffs

This card has the highest annual fee out of all our credit cards.

Compared to the HSBC Low Rate Credit Card, the HSBC Star Alliance Credit Card has a:

Higher purchase interest rate
Higher overseas transaction fee

Compare our credit cards

You can find out more about our credit cards and compare them with the HSBC Star Alliance Credit Card – compare our credit cards.

Are you eligible?

To apply for an HSBC Star Alliance Credit Card, you'll need to:

Be over 18 years old
Be an Australian citizen, permanent resident, or hold a long-term visa
Earn at least AUD75,000 per year
Have a good credit rating

You'll need to provide some identification and proof of address, income and employment to apply.

Application documents that we accept

We accept the following documents during the application process.

Proof of identity

Australian driver's licence or passport

Proof of residency if you're not an Australian citizen

Passport, Australian visa, and employment contract (all pages) – please provide all 3 documents

**Proof of income**
Full-time, part-tme or casual	Self employed	Retired
Most recent payslip, showing year-to-date earnings, issued within the last 30 days	Most recent Australian Tax Office Notice of Assessment, issued within the last 16 months AND Document that contains your ABN	2 most recent superannuation income credit transactions OR Bank transaction details of your 2 most recent superannuation income deposits

**Proof of income**
Full-time, part-tme or casual	Most recent payslip, showing year-to-date earnings, issued within the last 30 days
Self employed	Most recent Australian Tax Office Notice of Assessment, issued within the last 16 months AND Document that contains your ABN
Retired	2 most recent superannuation income credit transactions OR Bank transaction details of your 2 most recent superannuation income deposits

Other sources of income

Property rental income – most recent property rental statement
Interest income from investments or dividend income from shares – most recent investment or dividend share statements
Overseas income – 2 most recent overseas income credits for each source of income

Ready to apply?

New to HSBC?

If you've never banked with us before, you can apply online for an HSBC Star Alliance Credit Card. We recommend using the latest version of Chrome or Safari to do so. It takes 10 minutes and you'll get an instant response.

Apply Now find out more about credit cards This link will open in a new window

Existing HSBC customers

If you already bank with us, you can apply via online banking or the HSBC Mobile Banking app.

Log on and apply find out more about log on This link will open in a new window

If you'd prefer to apply over the phone or in person, or if you need additional support with your application, please call us on 1300 131 605 (Monday to Friday, 8:00am to 8:00pm AEST) or visit your local branch.

Frequently Asked Questions

Following the introductory Fast Track to Gold Status offer, you retain Star Alliance Gold Status[@star-alliance-ffp] when your combined account spend is $60,000[@cards-star-alliance-gold-status-eligible-purchases] or more on eligible purchases in a qualification year[@cards-star-alliance-airline-qualification-disclaimer]. You earn Star Alliance Silver Status when your combined account spend is $30,000 or more on eligible purchases in a qualification year[@cards-star-alliance-gold-status-eligible-purchases].

The Star Alliance Rewards portal is where you can choose your Status airline, check your Star Alliance points balance, and convert them to points or miles in your preferred Star Alliance frequent flyer programme. You can access the portal with your Star Alliance ID.

You'll get an email from Star Alliance within 3 days after your credit card is approved. This email will tell you your Star Alliance ID.

Once you activate your credit card, you'll also be able to find your Star Alliance ID via mobile banking, online banking, and in your monthly credit card statements.

You can choose your preferred Status airline when you first register for a Star Alliance Rewards account, or after you get Gold Status or Silver Status by spending with your credit card. You can change your Status airline each time you achieve a Star Alliance Status level. See the Star Alliance Rewards terms and conditions for more information.

You can contact the Star Alliance team via their online contact form. Questions submitted through this form will be responded to via email within 24 hours.

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Important information

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. AFSL and Australian Credit Licence 232595.

Fees, charges, terms, conditions and HSBC's lending criteria apply to all credit cards issued by HSBC. Go to www.hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. See terms and conditions for more information. See Target Market Determinations for our products.

Available to new, approved customers who apply for the HSBC Star Alliance Credit Card. Offer is not available for product transfers or in conjunction with any other offer. HSBC may change or end this offer at any time.

HSBC Star Alliance Credit Card