HSBC Premier World Mastercard

• Credit history. You must have at least a 'good' credit rating. You can check your credit score and get your comprehensive credit report for free through Finder.

Required documents

• Personal details. This includes your full name, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
• Employment details. This covers your salary, job title, length of employment and your employer or accountant's contact details. You may also need to submit recent payslips or PAYG summaries to help verify these details.
• Financial information. This includes any other forms of income, as well as assets and savings. You also need to share details of your existing debts, loans and cards, as well as estimate your regular household expenses.
• Frequent flyer number. If you choose HSBC Qantas Rewards, you will need to provide your Qantas Frequent Flyer membership details so that you can earn Qantas Points. If you're not already a member, check out this guide on how to join for free.

• Earning points. Regardless of which rewards program you choose, eligible transactions include most everyday spending categories, such as groceries, petrol, dining, travel bookings and entertainment. Exclusions include BPAY payments, government fees and charges, cash advances and business expenses.
• Complimentary insurance benefits. The HSBC Premier World Mastercard gives you access to complimentary international travel insurance and domestic travel insurance when you use it to book your trips. It also offers complimentary purchase protection insurance and extended warranty cover for eligible items you buy with the card.
• Airport lounge access. Enjoy two complimentary lounge passes each year to over 1,300 airport lounges around the world through Mastercard Travel Pass provided by DargonPass. With this perk, each additional lounge visit costs US$32 per person, which is charged directly to the HSBC Premier World Mastercard.
• Balance transfer offer. Get a 0% p.a. interest rate on balance transfers for the first 12 months, with a one-time 2% balance transfer fee. Any remaining balance at the end of the introductory period will attract interest at the cash advance rate, currently 21.99% p.a.
• Instant savings. This card gives you free membership to Frequent Values by Entertainment Publications. Get access to over 4,500 offers from participating restaurants, supermarkets, hotels and other businesses across Australia and New Zealand.
• Mobile wallets. Whether you have an Android or an Apple device, you can save time at the cash register and pay with the convenience of your smartphone with Google Pay or Apple Pay.

• Interest-free days. This card offers up to 55 days interest-free on purchases when you pay the total outstanding balance by the due date on each statement.
• Cash advance rate. If you use this card to withdraw cash or for any other cash advance transaction, an interest rate of 21.99% p.a. will apply from the date of the transaction.
• Cash advance fee. The higher of $4 or 3% of the total transaction amount is charged when you make a cash advance transaction.
• Additional cardholder. If you want to share your account with someone, you can add a cardholder without paying an additional annual fee. Note that you will still be responsible for managing the account – including paying any other fees or charges.
• Foreign transaction fee. If you use this card overseas or online with a retailer that's based overseas, a fee of 3% will apply to each transaction.