HSBC Interest Free*

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Make your next big purchase so easy. With a minimum spend of $500, spread your payments up to 6-12 months with HSBC Interest Free*.

HSBC Interest Free is available on HSBC Credit Cards. Start an application here and get an answer in 60 seconds.

What is HSBC Interest Free*

Interest Free finance is the easy way to buy what you want today and pay it off over time. HSBC Interest Free gives you access to the longest terms and most flexibility with no interest if you make your ongoing payments and pay off the entire purchase before the term ends.

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HSBC Interest Free

HSBC Low Rate Credit Card

HSBC Low Rate Credit Card

3 simple steps to take advantage of Interest Free*

3 simple steps to take advantage of Interest Free*


What is Interest Free*?

Interest Free* means you will not pay any interest on the promotional purchase you make during the promotional period. You will be required to pay the minimum monthly repayments as you would with any standard credit card purchase. Other transactions made with your credit card will incur interest charges. Upon expiry of your interest free* period, any remaining balance will revert back to the cash advance rate applicable at the time and is subject to change.

Can I make other Interest Free* purchases with my HSBC credit card?

Yes, once you receive your HSBC Low Rate Credit Card, you can use it to make further Interest Free* purchases at participating retailers, as long as you stay within your approved credit limit. Just remember to let the staff know you want to pay for it Interest Free* as an ‘add-on’ to your HSBC Low Rate Credit Card.

What is the minimum monthly repayment?

The minimum monthly repayment is higher $30 or 3% of the outstanding balance at the time your credit card statement is issued. You must pay at least the minimum repayment set out in each statement on or before the due date. This is the date HSBC should receive your payment. You should allow sufficient time for payments to be received and processed by us before the due date.

Terms and Conditions

*Only available at participating retailers and on specific purchases. Interest free reverts to cash advance rate at the end of the promotional period. Annual Fee, minimum purchase and repayment amount applies. Interest charges may apply on other purchases.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian credit licence 232595.