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Australian Credit Cards

$0 Annual fee in the first year
Complimentary travel Insurance – this could save you hundreds of dollars
Locking in 5 purchases a year (from $500 each) at either a lower interest rate of 10.99% p.a. for 120 days or up to 90 days interest free
Up to 45 days interest-free period on standard purchases
Enjoy a low introductory interest rate~ of 5.99% p.a. for 6 months when you transfer balances from other credit and store cards
Terms and conditions apply.

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	18.99% p.a.	Yes	$89*	Good

$0 Annual Fee for the life of the Card
Low balance transfer interest rate - enjoy 5.99% p.a. for 6 months
Low interest rate of just 16.99% p.a.~ on purchases
$50 cashback when you spend $500 or more in each of the first 3 consecutive months of the Card.
Interest rate of 19.99% p.a.~ on cash advances
Up to 55 days interest-free period
Access to discounts and benefits worldwide with HSBC's home&Away Privilege Program
Subject to terms and conditions

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	16.99% p.a.	Yes	None*	Good

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