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
Win 1 of 7 trips to Star Alliance destinations
Want to take a dip at a Thailand beach, head to the top of Taipei 101 or get up close to the Hollywood sign? Apply for the HSBC Star Alliance Credit Card and get approved to enter the draw. Plus, once approved, you can register to earn another entry for every 7 transactions on eligible purchases. Promotion ends 31 March 2025. T&Cs apply[@star-alliance-trip].
Already have a Star Alliance Credit Card? Visit the Registration page to check how you can enter.
What you get with an HSBC Star Alliance Credit Card
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 paymentsMake 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 ControlsUse My Card Controls to help keep your spending safe with transaction limits and the ability to lock or unlock your card.
- HSBC Instant SavingsDiscover 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
| 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 |
| 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.
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.
Existing HSBC customers
If you already bank with us, you can apply via online banking or the HSBC Mobile Banking app.
Frequently Asked Questions
You might also be interested in
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.