Hsbc Gold Mastercard Review With Pro And Cons – 17 Points

1. Hsbc Gold Mastercard is good choice if you want to finance large purchase or want to transfer balance. It offers a 0% intro apr on purchases and balance transfer for 18 months with one late fee waiver per year. Pick something else if you want rewards.

Pros

Cons

0% intro apr for 18 months on purchase

and balance transfer

No rewards

No annual fee

No sign up bonus

No foreign transaction fee

 

No penalty apr

 

Late fee waiver

 

Reasonable balance transfer fee

 

Travel and shopping perks

 

2. Intro Apr For Purchase:

0% intro apr for 18 months on purchase.

3. Intro Apr For Balance Transfer:

0% intro apr on balance transfer for 18 months

4. Balance Transfer Fee:

4% Minimum $10

5. Regular Apr:

13.24%, 17.24% or 21.24% Variable

6. Annual Fee:

$0

7. Credit Needed:

670 – 850

8. Cash advance rate:

27.24% variable

9. Cash advance fee:

4% MIn $10

10. Foreign transaction fee:

None

11. Late payment fee:

Up to $37

12. Customer Experience:

24/7 customer service?: No
Online chat available?: Yes
Google Play Store mobile app rating: 3.3/5
Apple Store mobile app rating: 1.5/5

13. Other Features:

Extended warranty
No foreign transaction fee
One late fee waiver per year
Travel accident insurance
Purchase protection

14. Do not Get This Card:

If you want to earn rewards.

15. Get Hsbc Gold Mastercard:

If you want great intro apr on purchase and balance transfer.
If you want balance transfer card with no annual fee and one late fee waiver per year.

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