HSBC credit cards with no foreign transaction fee

What is a typical HSBC foreign transaction fee?

HSBC charges zero foreign transaction fees for any of its cards— not even for its non-travel products.

This is fairly unusual as most providers will only waive this fee for travel products. Non-travel products often come with a foreign transaction fee of 3% on every purchase made abroad or on a foreign website.

HSBC credit cards with no foreign transaction fee

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Name	Product	Foreign transaction fee	Annual fee	Purchase APR	Filter values
HSBC Cash Rewards Mastercard® credit card		None	$0	0% intro for the first 12 months (then 13.99% to 23.99% variable)		Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases.	View details	Compare	loading Fetching your data...
HSBC Gold Mastercard® credit card		None	$0	0% intro for the first 18 months (then 13.99% to 23.99% variable)		An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card.	View details	Compare	loading Fetching your data...
HSBC Advance Mastercard® credit card		None	$0 intro annual fee for the first year ($45 thereafter)	0% intro for the first 12 months (then 14.99% to 18.99% variable)		Signup offer of 2x points in the first year on up to $25,000, then 2x points on dining and entertainment and 1x points on all other purchases. The information about the HSBC Advance Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.	View details	Compare	loading Fetching your data...

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How to compare HSBC credit cards with no foreign transaction fee

• Think about what type of card you want.

  Check out this handy table of HSBC cards to determine what kind of card might work best for you:

  Card	Why you should get it	Why you shouldn’t get it
  HSBC Gold Mastercard® credit card	Excellent intro APR on purchases and balance transfers	No rewards
  HSBC Cash Rewards Mastercard® credit card	Unlimited 1.5% cash back on all purchases	No intro APR on purchases
  HSBC Platinum Mastercard® with Rewards Credit Card	1x points on all purchases	Other cards offer better rewards
  HSBC Advance Mastercard® credit card	2x points on dining and select entertainment and 1x points on everything else	$45 annual fee starting the second year (waived for qualifying accounts)
  HSBC Premier World Mastercard® credit card	2x points on travel and 1x on everything else. Credits for TSA PreCheck, Uber and Lyft.	$95 annual fee starting the second year (waived for qualifying accounts)
  HSBC Elite Credit Card	3x points on new travel; 2x points on dining and 1x on everything else Airport lounge access Air travel credits Credits for TSA PreCheck, Uber and Lyft	$395 annual fee

• Consider whether you want to pay an annual fee.

  Around half of HSBC’s cards have no annual fees. These are decent choices if you mostly only care about having no foreign transaction fees.

  If a card has an annual fee, consider whether you’ll get sufficient value from its signup bonus, rewards and additional benefits.

  Pro Tip:

  With a few of HSBC’s cards, you can have the ongoing annual fee waived if you have a qualifying US HSBC checking account. Otherwise, you’ll need to pay the annual fee starting the second year.
  Check each card’s terms to see which checking account qualifies you for a fee waiver.

• Decide whether rewards are important to you.

  Consider where you spend the most money and see if your purchases line up with each card’s bonus categories.

• Additional benefits.

  The HSBC Premier World Mastercard® credit card and HSBC Elite Credit Card have higher annual fees, but they offer more benefits such as travel credits. Using these credits can help offset the annual fee.

• Signup bonus.

  Although HSBC usually falls short on extending the best rewards, it offers some very competitive signup bonuses.

  You might like a point-based signup bonus if you frequently travel. It can offer healthy value when redeemed through HSBC Rewards. Otherwise, you might like a cashback signup bonus.

• Penalty APR.

  HSBC may increase all of your APRs to a steep penalty APR if you make a late payment.

  Only the HSBC Gold Mastercard® credit card has no penalty APR.

Bottom line

None of HSBC’s credit cards have foreign transaction fees. This gives you lots of leeway to choose a card with great rewards, signup bonus or other benefits.

If you’re unsure an HSBC credit card is right for you, compare cards with no foreign transaction fees from other providers.

Frequently asked questions

• If a penalty APR is assessed to my account, how long will it last?

  The penalty APR will apply for at least six months. HSBC will remove your penalty APR if you make six consecutive minimum payments on time. If you fail to do that, the interest rate might apply indefinitely.

• How do I get a qualifying HSBC checking account to get my annual fee waived?

  Visit the HSBC website and apply online.

  You can open an HSBC Advance checking account with a minimum online deposit of $1. It has a monthly maintenance fee of $25 unless you meet certain balance requirements. For example, you could carry a $10,000 minimum balance.

  Open an HSBC Premier checking account with a minimum online deposit of $1. It has a monthly maintenance fee of $50 unless you meet certain balance requirements. For example, you could carry a $100,000 minimum balance.

• Do most card providers waive foreign transaction fees for all of their cards?

  No. Most card providers charge foreign transaction fees for their non-travel cards. However, it’s common for travel cards to waive these fees.