HSBC Star Alliance Credit Card: Score Star Alliance Gold, Earn Points and Enjoy a Free First Year

Why the HSBC Star Alliance Credit Card suits Aussie travellers

The HSBC Star Alliance Credit Card is built for Aussies who fly regularly and want lounge access, priority boarding and extra baggage perks. Cardholders get a straightforward points earning system and a clear path to Star Alliance Gold if they meet the initial spend criteria.

For travellers based in Sydney, Melbourne or Brisbane the HSBC Star Alliance Credit Card can make business and holiday trips smoother, with complimentary travel insurance and global partner benefits that matter when you’re crossing time zones.

Earn points fast and fast-track Gold status

You earn 1 Star Alliance Point per $1 on eligible spend up to $3,000 per month with the HSBC Star Alliance Credit Card, dropping to 0.5 points beyond that threshold. Points transfer to major frequent flyer programs like KrisFlyer and MileagePlus, usually at a conversion rate that suits long-haul redemptions.

Spend $4,000 in the first 90 days and you’ll receive Star Alliance Gold for a limited period—perfect for securing lounge access and priority services on upcoming international trips. Use the card on everyday items—groceries, fuel and bills—to stack points quickly.

Fees, interest and what to watch

The HSBC Star Alliance Credit Card offers a $0 annual fee for the first year, then $450 p.a. after that, so plan whether you’ll extract enough value from lounges and benefits to cover the ongoing cost. Foreign transaction fees of 3% apply, and the purchase rate sits around 19.99% p.a., so it’s a card for those who pay on time.

There’s a balance transfer 0% offer for a limited period with fees, and cash advance charges apply—read the Product Disclosure Statement carefully. If you travel often and pay balances monthly, the HSBC Star Alliance Credit Card can still deliver solid value.

Eligibility, how to apply and practical tips

To apply in Australia you usually need a minimum income (often around $75,000), be 18+, and hold residency or citizenship. Keep ID, proof of income and your frequent flyer details handy when applying online to speed up approval for the HSBC Star Alliance Credit Card.

Maximise returns by timing large purchases to meet the initial spend offer, using the card for travel bookings that qualify for 0% interest promotions, and transferring points strategically to partner airlines. Apply via the HSBC website, compare the fees and make sure the perks align with your travel habits.