HSBC Star Alliance Credit Card
The HSBC Star Alliance Credit Card allows you to fast track 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 from account opening. Earn uncapped Star Alliance Points to convert into award miles or points in your chosen Frequent Flyer Program of a participating Star Alliance member airline.
- Purchase rate
- 19.99%
- Annual fee
- $499.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 19.99% | — | — |
| Cash advance | 21.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged yearly
| Ongoing | $499.00 |
| Overlimit Arrangement Fee Payable when your informal request for a credit limit increase is agreed. | Event | $30.00 |
| Late Payment Reminder Fee Payable on or after the day an amount is due for payment and has not been paid. | Late payment | $30.00 |
| Overseas Transaction Fee Payable when you make a transaction on your account in a currency other than Australian dollars, or you make a transaction on your account in any currency (including Australian dollars) that is processed/billed by either the merchant or its financial institution/payment processor outside of Australia. | Transaction | 3% of transaction |
| Return Fee Payable per returned payment. | Event | $5.00 |
| Cash Advance Usage Charge The higher of $4 or 3.0% of the total transaction amount (including any fees and charges imposed by us or a third party to effect the transaction). The cash advance usage charge forms part of the cash advance balance. |
Features
- Card access — You will receive credit card access with this product.
- Additional cards
- This product is eligible for a fee-free additional card.
- Loyalty program — Earn 1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance points per $1 spent on eligible purchases thereafter. The earning of Star Alliance Points is uncapped.
- Convert your Star Alliance Points to award miles or points in your chosen Frequent Flyer Program of a participating Star Alliance member airline.
- Insurance included — Complimentary insurance benefits. Enjoy Domestic and International Travel Insurances with Rental Vehicle Excess Insurance in Australia, Transit Accident Insurance, Extended Warranty Insurance, and Purchase Protection Insurance. Cover for claims relating to Covid-19 may be available under selected international travel insurance benefits.
- 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.
Eligibility
- Minimum age — 18 yearsMinimum age required to apply for this credit card.
- Minimum income — $75,000.00 p.a.Minimum income required to apply for this credit card.
- Employment status — YesMust be employed to apply for this credit card.
- Residency status — Australian ResidencyMust be an Australian Resident to apply for this credit card.
Constraints
- Minimum limit — $6,000.00
- Maximum limit — $500,000.00
More Information
Published by HSBC under the Consumer Data Right · Last updated 12 January 2026 · Product ID VCPVEL · View on CDR.gov.au