The HSBC Low Rate Credit Card allows you to get the maximum benefit from your wealth right away. Charging no annual fee in the first year, and often benefiting from interest free periods for the first few months of having the card, HSBC are offering an excellent opportunity to optimise the rewards of spending.

You should hardly need to worry about credit card interest again with up to /config/module[@name = 'finance'][@method = 'getCreditCards']/result/product[@credit_card_id = '71']/@purchase_interest_free_days interest free days on purchases giving you plenty of time to repay your balance. Even if you end up needing a little extra time to pay it all off after a particularly large shopping spree, the /config/module[@name = 'finance'][@method = 'getCreditCards']/result/product[@credit_card_id = '71']/@purchase_rate% p.a. interest rate on purchases is competitively with other credit cards in the budget market.

If you obtain an HSBC Low rate Credit Card, you will also be able to take advantage of the HSBC home&Away privilege program. You could qualify for awards in over 40 countries, giving even more value to your spending.

To apply to take advantage of these excellent credit card features, please begin your application by clicking the "Apply" button above.

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