HSBC Gold Mastercard® credit card review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable) (0% for the first 18 months)
Balance Transfer
13.99% ‐ 23.99% (Variable) (0% for the first 18 months)
Signup Bonus

Informr score
The HSBC Gold Mastercard® credit card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

What's good

  • 0% Introductory APR
  • No annual fee
  • No foreign transaction fee
  • Late Fee Waiver
  • Mobile banking
  • $0 liability for unauthorized purchases

What's bad

  • No rewards
  • No signup bonus
  • Not much long-term value
  • High balance transfer fee

Am I eligible?

HSBC Gold Mastercard® credit card 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...


The HSBC Gold Mastercard offers a generous 0% APR introductory offer on purchases and balance transfers. It has relatively few fees and a relaxed late-payment policy, keeping the cost of the card low. But it lacks rewards.

- Mitchell Strohm, Investopedia

The HSBC Gold Mastercard requires good-to-excellent credit, but if you qualify, the benefits might be well worth it. The card is pretty forgiving on fees, with no annual or foreign transaction fees; one late-payment fee is also waived every year. Those in need of an affordable way to complete a bala...

- Larissa Runkle, FinanceBuzz
Compare Cards

In addition to the lengthy intro APR on purchases and balance transfers, this card has no foreign transaction fees, no penalty APR and no annual fee. By keeping it simple, this card could help you save a lot of money. There's no rewards program with this card and the balance transfer fee it a bit hi...

- Compare Cards
Money Crashers

The HSBC Gold Mastercard® Credit Card is the spitting image of a no-frills credit card. Its sole distinctive feature is an unusually long 0% APR introductory promotion that covers purchases and balance transfers. It has no rewards program, sign-up bonus, or unusually generous fringe benefits package...

- Brian Martucci, Money Crashers

If you have existing credit card debt, or are about to make a large purchase, the HSBC Gold Mastercard® could be a good option. It offers an APR of 0% for 18 months, then 13.24%, 17.24% or 21.24%, which gives you time and flexibility on paying back your debt. The downside is, the the HSBC Gold Maste...

- Cardcruncher


Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable) (0% for the first 18 months)

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

Balance Transfer Interest Rate 13.99% ‐ 23.99% (Variable) (0% for the first 18 months)

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

Cash Advance Interest Rate 24.99% (Variable)

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 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus No
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
Virtual Cards No
Additional Benefits

- Roadside Assistance

- Late Fee Waiver

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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