The HSBC Gold Credit Card from HSBC Bank Australia is a pre-platinum credit card for the simple consumer who still wants a few benefits attached to a platinum card. Get up to 45 interest free days; more than enough time to save up and pay your balance in full. If you already own a non-HSBC credit or store card you may conduct a balance transfer to enjoy a low introductory rate for 6 months. You can purchase freely in over 200 countries where the Visa card network is an accepted means of payment and ATM withdrawals. Purchase transactions and cash advances incur a standard annual interest rate that may vary from time to time.

The Reward Plus program is dedicated to giving you points on almost every item purchase you charge to the card. You will earn a point for every dollar spent. Points accumulate to qualify you for reward options that include Cashback, merchandise, gift cards, and travel benefits. You may also redeem points for special wines and discounts with Vines Plus program. Earn special bonuses and discounts when patronizing partner retailers located in 40 countries and Australia. The home&Away Privilege Program applies to travel, shopping, accommodation and many more categories.

With International Travel Insurance you automatically qualify for coverage when you purchase a travel ticket using your card. Coverage includes medical and hospital expenses, travel delays and cancellation, and lost or damage to personal items. Liability against rental vehicles is also included.

Shoppers will love the extended warranty program which adds up to 12 months to existing manufacturer warranties of products purchased. And with the Guaranteed Pricing Scheme you can opt to claim the difference if after making a purchase you find a lower offer. Purchase Protection Insurance protects eligible personal items against loss, theft and damages for up to 90 days. All insurance coverage come at no extra cost and are subject to terms and exclusions listed contained in the insurance policy.

Another special package from HSBC lets you purchase items exceeding a value of $500 without incurring any interest for up to 90 days or 120 days for a discounted interest rate.

The HSBC Gold Credit Card charges an $89 annual fee which is waived for the first year.