The HSBC Gold Credit Card is for any Australian resident who is at least 18 years old or older, has a good credit standing, and has a minimum of $50,000 worth of annual income. This Visa Card has an annual card payment of $/config/module[@name = 'finance'][@method = 'getCreditCards']/result/product[@credit_card_id = '74']/@annual_fee.

Applications for an HSBC Gold Credit Card can be done through an online registration system. This can be found on the HSBC website. Upon registration, applicants must be able to provide important information such as employment details, monthly income, driver's license number, and details about existing financial responsibilities. Processing of credit card applications is done within five to 10 working days. Evaluation of applications include credit investigation and reference checks.

The HSBC Gold Credit Card charges a /config/module[@name = 'finance'][@method = 'getCreditCards']/result/product[@credit_card_id = '74']/@balance_transfer_rate% balance transfer rate for the first /config/module[@name = 'finance'][@method = 'getCreditCards']/result/product[@credit_card_id = '74']/@balance_transfer_term months but charges 20.25% balance transfer rate after that period. Cardholders can enjoy /config/module[@name = 'finance'][@method = 'getCreditCards']/result/product[@credit_card_id = '74']/@purchase_interest_free_days days of no-interest rate, depending on the time of purchase, the date of account statement, and if they were able to pay their credit dues in full. If cardholders have only five purchases that are at least worth $500 each within a year, they can take advantage of a low interest rate of /config/module[@name = 'finance'][@method = 'getCreditCards']/result/product[@credit_card_id = '74']/@purchase_rate% per annum for 120 days or 90 days of no interest rate.

Cardholders are also eligible for various rewards program like Vine Plus Program, HSBC's Rewards Plus Program, and home & Away Privilege Program. Every dollar spent can earn double or triple reward points that can be redeemed from various HSBC partners. Cardholders may enjoy shopping sprees, merchandise, special wines, entertainment, financial rewards, and travel from earned reward points.

Moreover, the HSBC Gold Credit Card has many protection features like an international travel insurance, extended warranty insurance, guaranteed pricing scheme, and purchase protection insurance. The policies for these insurances are issued by the Zurich Australian Insurance Limited. There are no extra costs charged to cardholders for these credit card protection features.

• Fees, rates and promotions are subject to change. Please refer to official site for up-to-date details.