In a time where the 'value' of most reward cards seems almost non existent but the fees are very real - I stumbled across this rough diamond. As long as you spend over $6000 in a year there is no annual fee and the rewards program seems to give me about $150 - $200 per year that I can redeem as credit against my credit card. Add in some free passes to airport lounges and complimentary insurance and well I have to say this card is a keeper! If your tired of shopping around every 12 months when the initial join bonuses on your credit card expire then this is the 'keeper' card for you!

It was the fastest application process and card delivered in my credit card experience.
No fee with 6K spending and two free airport lounge accesses ( worth about $80 and the right to enter the lounges on you cost after two free visits) were very important to me. Chat to human through the website is a lot better than waiting on phone queue or chat to AI. Good rewards too.
The downsides are the Website and App are very classic. And HSBC don't support direct feed to accounting program for personal finance management. It was hard to believe they can't link credit card to access other HSBC everyday account from HSBC ATM so need to carry two cards.
A Great card from 1970's bank.

If you spend over $6000 a year - you will receive 2 free visits to airport lounges per year, plus no annual fee! It's an absolutely rewarding credit card if you travel at least once a year to redeem this reward. I am very satisfied with the deal that comes with this credit card.

When I first applied I thought there was no annual fee. I found out there was during the application but decided to proceed anyway. The points processes seem very messy. You really need to follow all of their rules carefully and keep your own records so they don't expire. Not really happy with this card.

Bad recommended I take out a credit card to manage my finances.

Online form was short but then nothing happened. A month later they wrote to me saying my application was incomplete and I had to resubmit. I did but still nothing happened.

Finally someone phoned me and they asked heaps of questions - why if I am an existing customer!?

I'm not even sure it's a good deal card so I rarely use it as I don't trust the whole process or bank.

Got the VISA Platinum fee free a few years ago, have stuck with it due to VISA branding and rewards points system. Redemption of points to rewards seems rather unfair (ie. $5000 spend for a $25 reward). Fees are a little high, particularly overseas charges.

Overall, versatile card, good interest free period (59 days), no fee with points earn (despite inequitable rewards earning system) is nice for low income earners or students.

I had this card from Ikea October 2017 till I closed it less than a year later.
I got 12 months interest free on Ikea furniture.
To my suprise they gave me a $8000 limit.
Logging in online seems a bit complicated as it uses your email instead of your debit card numbers etc.
I kinda forgot signing up with my email and most banks don't do this so I wasted a lot of other login attempts. But I called them up and they resolved this, their phone team is not too bad. Although a couple times I got disconnected with them and this caused some frustration. I would always give my mobile right away in case such an event happened.
I closed this card since to avoid the annual fee of $69 I believe.

Rewards program has a good list of redemption options, though they seem to increased the number of points to redeem each option and it takes a few weeks to get each reward. Earning points is easy enough with most transactions counted as 1 point per dollar.

No fuss.accumulate points on every dollar spent and can redeem points for Gift Cards.very easy to accumulate points.highly satisfied with the rewards.got coles gift card by using points.balance transfer is also possible.

I got this credit card on a zero anual fee promotion. I have an Amex as well but the HSBC visa card, unlike the Amex, can be used anywhere. Customer service is not as good as Amex but still quite good. I love the balance transfer feature which incurs only %8 per year for 18 months. You will receive points for your purchases as well. Also, extended warranty and international travel insurances are nice to have.

The card offers good features with no additional cast as the annual fee is refundable once user spent 6k a year.
The lucrative feature included 2 airport lounge access and access to Frequent value rewards program. In short, if you are looking for to save money while you are spending the reward program is beneficial for you to access. The only cons I can think of is the app on the phone and on the website, the company needs to have a second thought for improvement.

Great credit card considering you can usually get a fee waiver and you will get a good points ratio plus interest fee periods. The android app is one of the poorest banking apps out there. If an app is important, this may not be the card to you.

No troubles with this card, there's still solid rewards but I have not earned many points. No fees, and accepted at more places than my Amex card. Would recommend it for easy no hassle card.

I have had the HSBC Platinum credit card for nearly 3 years the only reason I applied for the card was the fee free and still have the platinum features. Other cards have better rewards program but depends what suits the individual. But recently I purchased overseas accomodation online with the card and the online travel company closed down. With a small amount of correspondance I was refunded the money in full. Couldn't be happier.

Very satisfied with the card and the excellent customer service both locally and overseas.
Had my card details stolen a bit over a year ago and everything was resolved in a timely manner.
Love the card controls which allows me to select the countries the card works in and what services can be used with the card.
The rewards points allow me to get gift cards from major stores each year.
The only drawback is a cash advance fee for some online purchases which are considered cash advance but these can be avoided once you are aware of it.

Got it under 0 fee for life offer. Never had any trouble since last 5 years. Not a regular user of CC. But whenever short of enough funds and bills are due, it has always come handy. I liked HSBC so much that we have even got home loan from it as well. One of the lowest rates.