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.
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