HSBC Gold Mastercard® credit card Review

Our Detailed Review of This Card

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The HSBC Gold Mastercard® credit card is strong choice for anyone looking for a card that offers a 0% intro APR on both balance transfers and purchases. As an added bonus, it's available to those with good (rather than just excellent) credit, usually considered a credit score of 700 or higher.

Users can take advantage of an 18-month 0% intro APR on balance transfers, enabling them to move balances over from other high-interest cards and enjoy a year and a half of paying absolutely no interest. There is a 4% balance transfer fee, which is a little higher than typical, but it could still save you a lot of money. To find out for sure, check out our Balance Transfer Calculator, which will estimate the total interest and fees you'll pay, as well as how long it will take to pay off your balance.

The HSBC Gold Mastercard® credit card also offers an 18-month 0% intro APR for purchases, enabling you to make purchases for the first year and a half and pay $0 in interest fees. You can even think of the 0% intro APR period as an interest-free loan on any large or small purchases you need to (or want to) make, just make sure you pay them off before the 0% intro APR period expires.

Other card perks include no annual fee and no foreign transaction fees. Plus, if your payment is late, HSBC will waive the late fee once per 12 months and there’s no penalty APR. HSBC Gold Mastercard® credit card also features purchase protection, which protects most card purchases of up to $1,000 against theft or accidental damage for 90 days; extended warranty, which doubles your original warranty for up to one year; and price protection, which can refund the difference if you buy something and then see it advertised for less within 60 days.

Overall, the HSBC Gold Mastercard® credit card is best for those looking for a card with no annual fee and a lengthy 0% intro APR on balance transfers and purchases.


    Fees and APR
    • Annual Fee: $0.
    • Purchase APR: 0% Introductory APR on credit card purchases for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period.
    • Balance Transfer APR: 0% Introductory APR on balance transfers for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period.
    • Balance Transfer Fee: Either $10 or 4%, whichever is greater.
    • Foreign Transaction Fee: None.
    • Terms and Conditions


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