finder.com

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

HSBC credit cards with no foreign transaction fee

Have your pick among HSBC's entire roster.

Avatar
Kevin Joey Chen
Fact checked

If you’re going on an international vacation and planning to make purchases abroad, an HSBC card could serve you well.

What's in this guide?

  1. What is a typical HSBC foreign transaction fee?
  2. HSBC credit cards with no foreign transaction fee
  3. How to compare HSBC credit cards with no foreign transaction fee
  4. Bottom line
  5. Frequently asked questions

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

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
HSBC Cash Rewards Mastercard® credit card
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
HSBC Gold Mastercard® credit card
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
HSBC Advance Mastercard® credit card
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
loading

Compare up to 4 providers

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:

    CardWhy you should get itWhy you shouldn’t get it
    HSBC Gold Mastercard® credit cardExcellent intro APR on purchases and balance transfersNo rewards
    HSBC Cash Rewards Mastercard® credit cardUnlimited 1.5% cash back on all purchasesNo intro APR on purchases
    HSBC Platinum Mastercard® with Rewards Credit Card1x points on all purchasesOther cards offer better rewards
    HSBC Advance Mastercard® credit card2x 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

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site