HSBC Gold card

* Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions on the credit card issuer's web site.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Fees, charges and lending criteria apply. Terms and conditions apply and are available on request. Offer available for completed HSBC Gold Credit Card applications received between 25/05/09 and 31/07/09. Interest rate on purchases is 17.99% p.a. and is subject to change. All applications are subject to HSBC's lending criteria.

* The Annual Gold Card fee will be waived for the first year. The standard $89 annual fee will apply on the subsequent anniversary of your original Credit Card account.

^ Terms and conditions apply. Insurance policies are issued by Zurich Australian Insurance Limited ABN 13 000 296 640. HSBC does not issue these insurances and does not receive commission on these policies or guarantee any of the benefits under the cover. HSBC has entered into master policies for the benefit of cardholders. The cover is provided at no additional cost to the cardholder.

# Excluding Card fees, Balance Transfers or Cash Advances and subject to Rewards Points capping limits.

> Terms and conditions apply. Limited to 5 purchases per year, where each purchase is $500 or more.

** Depending on when you make your purchases, when your statement is issued, and if you pay off the total outstanding balance on your next statement of account on or before the due date. There are no interest free days on cash advances and balance transfers.

~ Introductory balance transfer rate for the first 6 months is limited to the first balance transfer request per account from other store cards and non- HSBC credit cards. After this period, any balance outstanding from the Balance Transfer will accrue interest at the Interest Rate for Cash Advances, currently 21.25% p.a.