Credit Card Compare

HSBC Star Alliance Credit Card

Data last updated 20 July 2026
19.99%
Purchase rate
$499
Annual fee
55 days
Interest-free

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HSBC Star Alliance Credit Card card
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CardIQ

32Basic

Basic

Overall score, out of 100 · How this works

  • 55 days interest-free35
  • Balance transfer50
  • Frequent flyer21
  • Rewards21

Customer reviews

No reviews yet. Be the first to review the HSBC Star Alliance Credit Card.

Pros & cons

What's good

  • 12 months at 0% p.a. on balance transfers, longer than the 12-month median (2% transfer fee, reverts to 21.99% p.a.).
  • No fee to add an additional cardholder.
  • Points don't expire while your account is open and in order.

Worth noting

  • The $499 annual fee is high for a Standard card, where the typical fee is about $50.
  • The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
  • Earns 1 point per $1 on everyday spend, around the dataset average.
  • The 1-point rate on everyday spend applies only to the first $3,000 spent each statement period, then drops to 0.5 points per $1.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$6,000 – $500,000
Credit rating
Good
Rewards program
Star Alliance

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
$75,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
21.99% p.a.
Purchases
19.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$499 p.a.
Annual fee (year 2+)
$499 p.a.
Cash advance fee
3% of the amount
Foreign transaction fee
3%
Late payment fee
$30

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
3% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from
HSBC
Limit
Up to your available credit limit
Period
12 months
Promotional rate
0% p.a.
Revert rate
21.99% p.a.
Transfer fee
2%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1 pt per $1 up to $3,000 per statement period
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
0.5 pts per $1 above $3,000 per statement period
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days55 daysTop 10% (6th of 192 cards)
Rewards value$432 a yearTop 25% (13th of 95 cards)
Balance transfer0% for 12 monthsTop 25% (15th of 62 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Purchase rate19.99%Middle of the market (97th of 196 cards)
Annual fee$499 a yearAmong the most expensive (194th of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
HSBC
Program
Star Alliance