HSBC Star Alliance Credit Card
4.6
Highlights
- Earn 1 Star Alliance Point per $1 on eligible purchases (capped at $3,000), then 0.5 points per $1 thereafter.
- Pay no annual fee in the first year ($450 p.a. thereafter).
- Reach Star Alliance Gold Status by spending $4,000 or more on eligible purchases within the first 90 days of account opening.
- Gold Status grants you benefits like Priority Airport Check-in, Priority Baggage Handling, Priority Boarding, Airport Lounge Access, Extra Baggage Allowance, and more.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
No
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$75,000.00
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
9
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$6,000.00
Maximum Credit Limit
$25,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
2%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
90%
Balance Transfer Revert Rate
21.99%
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.99% p.a.
Account fees
Annual Fee Initial Year
$0.00
Annual Fee Ongoing
$450.00
Dishonour Fee
$30.00
Duplicate Statement Fee
$8.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$30.00
Rewards
Rewards program basics
Rewards Program
Star Alliance Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
36 months
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
Our review
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