HSBC Gold Mastercard review

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Advertiser Disclosure

Interest Rate: Purchases
13.24 ‐ 21.24% (0% for the first 18 months)
Balance Transfer
13.24 ‐ 21.24% (0% for the first 18 months)
Rewards
-
Signup Bonus
-


8.6/10
Informr score
The HSBC Gold Mastercard currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?


HSBC Gold Mastercard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CardRatings.com

The HSBC Gold Mastercard credit card is made for someone looking to transfer a balance from a high-APR credit card and paying down debt without worrying about finance charges. This card gives you a year-and-a-half without an APR, which can help you chop down your debt quickly. 

- Brooklyn Lowery, CardRatings.com
The Wirecutter

This card stands out by offering 18 months for you to pay down your debt interest-free. That’s among the longest 0% interest promo periods of any cards we reviewed. But that’s also this card’s only main strength: it likely won’t become a mainstay in your wallet.

- Sally French, The Wirecutter
CreditCards.com

With a generous 18-month, interest-free intro offer on both balance transfers and new purchases, the HSBC Gold Mastercard is a great choice for cardholders looking to pay down their debt. You’ll also save a bit on charges thanks to the $0 annual fee, lack of foreign transaction fees and one late fee...

- Emily Sherman, CreditCards.com
Get.com

HSBC Gold Mastercard® credit card is a low interest card from HSBC that helps you manage your finances and pay off your debt without crushing interest rates. This credit card gives you the extra spending power you need and gives you a long introductory period with 0% APR.

- Emma Fox, Get.com
ValuePenguin

The HSBC Gold Mastercard® is a good low interest credit card. It's ideal for anyone struggling with credit card debt that wants to to only bank with HSBC. If you don't mind doing business with other banks, like Citi or Chase, there are better offers you should consider.

- Robert Harrow, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 13.24% ‐ 21.24% (0% for the first 18 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.24% ‐ 21.24% (0% for the first 18 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 4%

Minimum of $10

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

Roadside Assistance


Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

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Critic Reviews


CardRatings.com

Allows you to pay down your debt more quickly

from CardRatings.com

The HSBC Gold Mastercard credit card is made for someone looking to transfer a balance from a high-APR credit card and paying down debt without worrying about finance charges. This card gives you a year-and-a-half without an APR, which can help you chop down your debt quickly. 

Read full review

The HSBC Gold Mastercard credit card is made for someone looking to transfer a balance from a high-APR credit card and paying down debt without worrying about finance charges. This card gives you a year-and-a-half without an APR, which can help you chop down your debt quickly. 

Read full review

Less

The Wirecutter

The best choice if you want the longest 0% APR period

from The Wirecutter

This card stands out by offering 18 months for you to pay down your debt interest-free. That’s among the longest 0% interest promo periods of any cards we reviewed. But that’s also this card’s only main strength: it likely won’t become a mainstay in your wallet.

Read full review

This card stands out by offering 18 months for you to pay down your debt interest-free. That’s among the longest 0% interest promo periods of any cards we reviewed. But that’s also this card’s only main strength: it likely won’t become a mainstay in your wallet.

Read full review

Less

CreditCards.com

No rewards and limited benefits

from CreditCards.com

With a generous 18-month, interest-free intro offer on both balance transfers and new purchases, the HSBC Gold Mastercard is a great choice for cardholders looking to pay down their debt. You’ll also save a bit on charges thanks to the $0 annual fee, lack of foreign transaction fees and one late fee waiver per year.

Read full review

With a generous 18-month, interest-free intro offer on both balance transfers and new purchases, the HSBC Gold Mastercard is a great choice for cardholders looking to pay down their debt. You’ll also save a bit on charges thanks to the $0 annual fee, lack of foreign transaction fees and one late fee waiver per year.

Read full review

Less

Get.com

A straightforward credit card which can help you get rid of debt

from Get.com

HSBC Gold Mastercard® credit card is a low interest card from HSBC that helps you manage your finances and pay off your debt without crushing interest rates. This credit card gives you the extra spending power you need and gives you a long introductory period with 0% APR.

Read full review

HSBC Gold Mastercard® credit card is a low interest card from HSBC that helps you manage your finances and pay off your debt without crushing interest rates. This credit card gives you the extra spending power you need and gives you a long introductory period with 0% APR.

Read full review

Less

ValuePenguin

A fantastic low interest credit card

from ValuePenguin

The HSBC Gold Mastercard® is a good low interest credit card. It's ideal for anyone struggling with credit card debt that wants to to only bank with HSBC. If you don't mind doing business with other banks, like Citi or Chase, there are better offers you should consider.

Read full review

The HSBC Gold Mastercard® is a good low interest credit card. It's ideal for anyone struggling with credit card debt that wants to to only bank with HSBC. If you don't mind doing business with other banks, like Citi or Chase, there are better offers you should consider.

Read full review

Less

Credit Card Insider

A simple and inexpensive card to use

from Credit Card Insider

The HSBC Gold Mastercard is simple, but it does one thing very well. If you’re looking for some time to pay off a large balance, this card provides a year and a half to do just that. Be sure to keep up on payments during that intro period. Do that, and it will be a good way to help you get out of credit card debt.

Read full review

The HSBC Gold Mastercard is simple, but it does one thing very well. If you’re looking for some time to pay off a large balance, this card provides a year and a half to do just that. Be sure to keep up on payments during that intro period. Do that, and it will be a good way to help you get out of credit card debt.

Read full review

Less

Credit Cards Explained

A great option if you find yourself struggling with debt

from Credit Cards Explained

The HSBC Gold Mastercard credit card is perfect for anyone looking for an introductory 0% APR on either purchases or balance transfers. This will give anyone with a balance on a high interest card the ability to pay off their debt and avoid paying interest fees. Having no annual fee, no foreign t...More

The HSBC Gold Mastercard credit card is perfect for anyone looking for an introductory 0% APR on either purchases or balance transfers. This will give anyone with a balance on a high interest card the ability to pay off their debt and avoid paying interest fees. Having no annual fee, no foreign transaction fees, and no late payment fee for the first late payment help make this card a great option for your wallet.

Read full review

Less

Doctor Of Credit

For people trying to reduce their credit card debt

from Doctor Of Credit

Personally I don’t see much use for this card, but for those chasing 0% introductory APRs it might be of some use. It’s also very important to be careful with these types of introductory APR offers, as generally if you miss a payment you’ll have to pay interest for the full period, not just the month you missed.

Read full review

Personally I don’t see much use for this card, but for those chasing 0% introductory APRs it might be of some use. It’s also very important to be careful with these types of introductory APR offers, as generally if you miss a payment you’ll have to pay interest for the full period, not just the month you missed.

Read full review

Less

WalletHub

Certainly worthy of your consideration

from WalletHub

The HSBC Gold Mastercard credit card is a great option for people with good or excellent credit who want to pay for big-ticket purchases over time, offering an 18-month interest-free introductory period that puts it firmly within the top tier of 0% credit cards on the market right now.

Read full review

The HSBC Gold Mastercard credit card is a great option for people with good or excellent credit who want to pay for big-ticket purchases over time, offering an 18-month interest-free introductory period that puts it firmly within the top tier of 0% credit cards on the market right now.

Read full review

Less

Hustler MoneyBlog

Delivers the extra spending power you need

from Hustler MoneyBlog

The HSBC Gold Mastercard is a good low interest credit card and balance transfer credit card. If you’re looking for a credit card just to pay off credit card debt or seeking a credit card with HSBC, then I highly recommend this card.

Read full review

The HSBC Gold Mastercard is a good low interest credit card and balance transfer credit card. If you’re looking for a credit card just to pay off credit card debt or seeking a credit card with HSBC, then I highly recommend this card.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.