HSBC Gold Mastercard® credit card


The HSBC Gold Mastercard credit card offers an 18-month zero-percent APR introductory rate on purchases and balance transfers. A variable APR of 12.99 percent, 16.99 percent or 20.99 percent will apply after the introductory period. The card does not charge an annual fee or foreign transaction fee, but there is a returned payment fee of up to $25 and a late payment fee of up to $37. The late payment fee will be waived the first time you make a late payment. A balance transfer fee of 4 percent or $10, whichever is greater, applies to each balance transfer. The HSBC Gold Mastercard credit card does not offer a rewards program.

Key APRs & Fees

Annual Fee
Regular Purchase APR
12.99%, 16.99% or 20.99% variable
Purchase Intro APR
Balance Transfer Intro APR
Balance Transfer Fee
$10 or 4% of the transaction, whichever is greater

Additional Info

Max Late Fee
Max Penalty APR
Foreign Transaction Fee
Cash Advance APR
26.99% variable
Cash Advance Fee
$10 or 4% of the cash advance amount, whichever is greater


  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

The Credit Level needs to Apply this Credit Card


How to apply for the HSBC Gold Mastercard® credit card

  1. Click "Apply" button.
  2. According to the requirements of the credit card official website, fill out the application form with information, such as your name, Social Security number, home address, income source, and total annual income.
  3. Review and submit your application.

What will happen if you click the "Apply" button?

  • Clicking the "Apply" button will take you to the official bank's website of the online application. And it will not leave any mark on your credit report.
  • only provides credit cards' information. All applications will be made on the banks' official websites, and our website will not record any your personal information.
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