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#  HSBC Star Alliance Credit Card

 Unlock a world of benefits with the ultimate travel credit card.

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1. [ HSBC AU ](https://www.hsbc.com.au/)
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3. [ Products ](https://www.hsbc.com.au/credit-cards/products/)
4. 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 in year one of your account when you spend $4,000 or more on eligible purchases in the first 90 days
* 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
* Get 0% p.a. interest on balance transfers for 12 months (2% balance transfer fee applies)
* Increase your eligible spend with free additional cardholders, to help build your points balance and earn Star Alliance Gold Status faster

###  Rates

Annual fee $0 in the first year ($499 afterwards) 

Interest-free period on purchases Up to 55 days 

Interest rate for purchases19.99% p.a.

[ See how to apply ](#how-to-apply) 

##  What you get with an HSBC Star Alliance Credit Card

###  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.

##  Gold Status privileges

Enjoy Star Alliance [Gold Status benefitsGold Status benefits This link will open in a new window](https://www.staralliance.com/en/recognitionhttps) no matter which of the 26 Star Alliance member airlines you fly with.

* Relax in any of the 1,000+ available airport lounges
* Avoid the queues with priority security lanes, 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
* Enjoy greater flexibility with priority airport stand-by and reservation waitlists
* | Access additional benefits when flying with your chosen airline’s Gold Status program, which may include preferred seating, discounted upgrades, and more. |  
| ---------------------------------------------------------------------------------------------------------------------------------------------------------- |

Following the introductory Fast Track to Gold Status offer, you earn Star Alliance Gold Status when your combined account spend is $48,000 or more on eligible purchases in a qualification year. 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 1,150 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
* Redeem Star Alliance points to book international flights through any of the participating Star Alliance frequent flyer programs
* Use your Star Alliance Points to book domestic travel through selected 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
* Treat yourself today with [Visa's outstanding offers and perksVisa's outstanding offers and perks This link will open in a new window](https://www.visa.com.au/en%5Fau/visa-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

##  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.
* 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](https://www.hsbc.com.au/credit-cards/instant-savings/)

##  Why choose HSBC?

###  Award-winning credit cards

##  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                                             | Up to 55 days                 |
| Interest rate for cash advances                                  | 21.99% per year               |
| Annual fee                                                       | $499 ($0 in the first year)   |
| Balance transfer rate (introductory)                             | 0% for the first 12 months    |
| 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) | $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                                             |
| Details           | Up to 55 days                                                    |
| Fees and features | Interest rate for cash advances                                  |
| Details           | 21.99% per year                                                  |
| Fees and features | Annual fee                                                       |
| Details           | $499 ($0 in the first year)                                      |
| Fees and features | Balance transfer rate (introductory)                             |
| Details           | 0% for the first 12 months                                       |
| Fees and features | 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) |
| 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](https://www.hsbc.com.au/credit-cards/products/).

###  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 a year
* Have a good credit rating

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

#### Application documents 

**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-time 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-time 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

#### Important information about your card 

* [ Terms and conditions for HSBC credit cards ](https://www.hsbc.com.au/credit-cards/terms/)
* [ Star Alliance Rewards terms and conditions Star Alliance Rewards terms and conditions This link will open in a new window ](https://www.staralliance.com/en/web/rewards/au/tnc)
* [ Key facts sheet (PDF) Key facts sheet (PDF) Download ](https://www.hsbc.com.au/content/dam/hsbc/au/docs/credit-cards/terms/key-facts-sheet.pdf)

##  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 Apply Now find out more about credit cards This link will open in a new window ](https://www.hsbc.com.au/multiapp/creditapp/?mkt%5Fcode=DZXOPW19#/entry) 

###  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 Log on and apply find out more about log on This link will open in a new window ](https://www.services.online-banking.hsbc.com.au/gpib/group/gpib/cmn/layouts/default.html?uid=creditCards) 

### Other ways to apply 

If you'd prefer to apply over the phone or in person, or if you need [additional support](https://www.hsbc.com.au/help/extra-care/#assistance-in-your-application-journey) with your application, please call us on [1300 131 605](tel:1300131605) (Monday to Friday, 8:00am to 8:00pm AEST) or visit your [local branch](https://www.hsbc.com.au/branch-finder/).

##  Frequently Asked Questions

### How do I earn Star Alliance Status levels? 

Following the introductory Fast Track to Gold Status offer, you retain Star Alliance Gold Status when your combined account spend is $48,000 or more on eligible purchases in a qualification year. You earn Star Alliance Silver Status when your combined account spend is $30,000 or more on eligible purchases in a qualification year.

### What is the Star Alliance Rewards portal? 

The [Star Alliance Rewards portalStar Alliance Rewards portal This link will open in a new window](https://rewards.staralliance.com/) 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.

### Where do I find my 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.

### How do I choose my preferred Status airline? 

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 conditionsStar Alliance Rewards terms and conditions This link will open in a new window](https://www.staralliance.com/en/web/rewards/au/tnc) for more information.

### Who can I contact if I have a question about my Star Alliance membership? 

You can contact the Star Alliance team via their [online contact formonline contact form This link will open in a new window](https://www.staralliance.com/en/web/rewards/au/contact-form). Questions submitted through this form will be responded to via email within 24 hours.

##  You might also be interested in

### [ Everyday Global Account ](https://www.hsbc.com.au/accounts/products/everyday-global/) 

Easy banking at home and overseas, with no monthly account fees. 

### [ HSBC Platinum Credit Card ](https://www.hsbc.com.au/credit-cards/products/platinum/) 

 Earn great rewards on your everyday spend, including cashback, e-gift cards, travel perks and more.

### [ HSBC Platinum Qantas Credit Card ](https://www.hsbc.com.au/credit-cards/products/platinum-qantas/) 

 Take to the skies more often by earning Qantas Points on your everyday spend.

##  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](https://www.hsbc.com.au/) or call [1300 308 880](tel:1300308880). 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](https://www.hsbc.com.au/help/target-market-determinations/#credit-cards) 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.

1. 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 at [www.staralliance.com/en/web/rewards/au/tnc](https://www.staralliance.com/en/web/rewards/au/tnc) 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 or have been previously granted KrisFlyer Elite Gold status via the HSBC Star Alliance Credit Card (“fast track to Gold Status”) welcome offer (more information available on the Star Alliance Rewards Terms and Conditions at [www.staralliance.com/en/web/rewards/au/tnc](https://www.staralliance.com/en/web/rewards/au/tnc)). 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.
2. 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.
3. Star Alliance Points are earned in accordance with and are subject to [HSBC Star Alliance Rewards Terms and Conditions](https://www.hsbc.com.au/credit-cards/terms/). 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 [Star Alliance Rewards Program terms and conditions](https://www.staralliance.com/en/web/rewards/au/tnc). 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.
4. 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. 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 credit card account to pay off other transactions such as purchases and cash advances before any balance transfer amount.
5. 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.
6. Additional credit cards can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Star Alliance Points remain the benefit of the primary cardholder.
7. The Annual Fee will be $0 in the first year, then $499 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.
8. 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.
9. 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 [HSBC Credit Card Terms and Conditions](https://www.hsbc.com.au/credit-cards/terms/) 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.
10. 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 [Star Alliance Lounge Access Policy.](https://www.staralliance.com/en/lounge-access-policy)
11. Refers to priority lanes for airport security and immigration where available. Please refer to the [list of locations offering Gold Track](https://www.staralliance.com/en/gold-track). Subject to local laws and regulations.
12. 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.
13. Subject to applicable legal regulations and the policy of the member airline concerned at all times.
14. Except when travelling on an award ticket. At all times, subject to applicable legal regulations and the policy of the member airline concerned.
15. Please see airline websites for the additional benefits available as part of each airline’s Gold Status tier. [Aeroplan Elite 50k Status](https://www.aircanada.com/ca/en/aco/home/aeroplan/status/tiers.html#50k), [Airpoints Gold Tier](https://www.airnewzealand.com/gold-benefits), [Infinity MileageLands Gold Card](https://www.evaair.com/en-global/infinity-mileagelands/about-infinity-mileagelands/tiers-and-privileges/membership-benefit/gold-card), [SAA Voyager Elite Status](https://voyager.flysaa.com/web/voyager/gold-membership-benefits), [KrisFlyer Elite Gold](https://www.singaporeair.com/en%5FUK/us/ppsclub-krisflyer/krisflyer/krisflyer-elite-gold/benefits), [Royal Orchard Plus Gold Status](https://www.thaiairways.com/en%5FTH/rop/Status%5FBenefits/BenefitStatus-03-gold.page), [MileagePlus Premier Gold Status](https://www.united.com/ual/en/us/fly/mileageplus/premier/full-premier-benefits-chart.html).
16. 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. 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. 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. 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 or have been previously granted KrisFlyer Elite Gold status via the HSBC Star Alliance Credit Card (“fast track to Gold Status”) welcome offer. 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. Refer to the Star Alliance Rewards Terms and Conditions at [www.staralliance.com/en/web/rewards/au/tnc](https://www.staralliance.com/en/web/rewards/au/tnc) for available status tiers, exceptions and additional terms and conditions.
17. You must spend at least $48,000 on eligible purchases in each 12 month period starting from account opening to earn Star Alliance Gold Status, and $30,000 on eligible purchases in each 12 month period starting from account opening to earn Star Alliance Silver Status.  
Eligible purchases do not include interest-free promotions or other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY, any disputed transactions, or government fees and charges.
18. Upon qualification under this option, these rules apply instead of those of the Fast Track to Star Alliance Gold welcome offer.
19. 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, refer to [Star Alliance Rewards Program terms and conditions](https://www.staralliance.com/en/web/rewards/au/tnc). For a list of FFPs of participating Star Alliance member airlines, refer to [rewards.staralliance.com](https://rewards.staralliance.com/).
20. Star Alliance Points can be redeemed for domestic Australian flights when transferred into the Air Canada Aeroplan or United MileagePlus frequent flyer programs and booked through the respective airline website. These flights are operated by partner carriers who service domestic Australian routes.
21. 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](https://www.singaporeair.com/en-au/), [Air New Zealand](https://www.airnewzealand.com.au/), [Air Canada](https://www.aircanada.com/en-au/), [United Airlines](https://www.united.com/en/au/), [Thai Airways](https://www.thaiairways.com/en%5FAU/index.page), [Eva Air](https://flights.evaair.com/en/flights-from-australia), [South African Airways](https://www.flysaa.com/).
22. Terms and conditions apply to the use of [Apple Pay](https://www.hsbc.com.au/content/hsbc/au/en%5Fau/ways-to-bank/mobile-banking/apple-pay.html) and [Google Pay](https://www.hsbc.com.au/content/hsbc/au/en%5Fau/ways-to-bank/mobile-banking/google-pay.html). Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see [support.apple.com/km207105](http://support.apple.com/km207105). Google Pay is currently available for Android devices running 4.4 (KitKat) or higher with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support to make purchases in stores and in apps.
23. [HSBC Instant Savings terms and conditions (PDF) (this link will open in a new window)](https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/instant-saving-tc.pdf) apply.
24. Additional credit cards can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All reward program points earned remain the benefit of the primary cardholder.

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