Plenty of Australian rewards credit cards offer points. But until now, no card offers an option to fast-track to Gold status in any airline program. Not to mention in one of the world’s largest airline alliances! To sweeten the deal, the HSBC Star Alliance Credit Card offers a flexible central points ‘currency’, allowing you to convert to any of the seven Star Alliance partner airlines at a time of your choosing.

The HSBC Star Alliance Credit Card is the first card of its kind in the world. And Australia is lucky enough to be the launch market for this innovative product.

United MileagePlus Logo  Promotion: For a limited time you could earn 20,000 bonus MileagePlus miles ^

To take advantage of the 20,000 bonus MileagePlus miles offer, follow all the steps below.


  1. Apply for a new HSBC Star Alliance Credit Card between 1 June 2024 and 31 August 2024 by clicking on the ‘Find out more and Apply’ button above.
  2. After successfully applying and being approved, once your credit card account is open, log in to your Star Alliance Rewards account and select United MileagePlus as your preferred status airline.
  3. Make sure to spend $4,000 or more on eligible purchases in the first 90 days from account opening.


Please note: customers who select Star Alliance Points instead of Star Alliance Gold status are ineligible for this offer.


Once you complete the minimum required spend, you will earn Star Alliance Gold status, and automatically receive MileagePlus Premier Gold status within 30 days. You will be credited 20,000 MileagePlus bonus miles within 6 to 8 weeks.

Singapore Airlines SilverKris Business Class Lounge Sydney
Star Alliance Gold is your ticket to member airline lounges [photo by Chris Chamberlin].

Digging into the benefits of the HSBC Star Alliance Credit Card

The HSBC Star Alliance Credit Card packs in plenty of features. Just be mindful that there is a reduced earning threshold after spending more than $3,000 in a statement month on eligible purchases. For a limited time, HSBC also waives the $450 annual fee in the first year.

CardHSBC Star Alliance Credit Card
Loyalty ProgramStar Alliance Rewards
Points earned from spend1 Star Alliance Point per $1 spent on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance Points per $1 spent thereafter
Travel benefits0% interest for 6 months on flight bookings made directly through participating Star Alliance member airlines (reverts to standard variable rate of 19.99% p.a. thereafter)
Included insuranceDomestic and International Travel Insurances
Rental Vehicle Excess Insurance in Australia
Transit Accident Insurance
Extended Warranty Insurance
Purchase Protection Insurance
Overseas transaction fee3% of the transaction amount
Mobile walletApple Pay and Google Pay
Annual fee$0 in the first year, $450 p.a. thereafter

Earning points with the HSBC Star Alliance Credit Card

The earn rate is 1 Star Alliance Point per dollar for the first $3,000 in a statement month, then 0.5 Star Alliance Points per dollar thereafter for the rest of the statement month.

Later, you can transfer these points to any of the seven participating airlines via the Star Alliance Rewards program. Here are the starting transfer rates:

With a sufficient points balance, you may fly in Business Class by sending Star Alliance Points to a member airline.

Fast track to Star Alliance Gold Status

The icing on the top of the HSBC Star Alliance Credit Card is the fast track to Star Alliance Gold Status after spending $4,000 within 90 days of account opening. Once you do so, you can nominate a Star Alliance ‘Status Airline’, which is the program that you want to get Gold status in.

For Australian residents, the Gold Status, if you choose either Singapore Airlines KrisFlyer or United MileagePlus will also get you reciprocal Virgin Australia perks such as domestic lounge access and priority check-in!

If you want longer-lasting Star Alliance status, consider Air Canada Aeroplan. You’ll enjoy Gold-plated perks for the remainder of the calendar year, plus all of the following year – including access to Virgin Australia lounges. If you time your application right, that’s up to 23 months of Gold from the sign-up bonus!

Within Star Alliance, having Gold Status means enjoying priority check-in, priority baggage, lounge access, Fast Track at the airport and more.

After the first year, you’ll need to meet a higher minimum spend to maintain your complimentary status:

  • Spend AU$60,000 over a qualification year to earn or retain Star Alliance Gold, or
  • Spend AU$30,000 over a qualification year to earn or retain Star Alliance Silver

Please note any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account.

0% interest for six months on flights

Another interesting and unique benefit is paying no interest for the first six months when you book flights via the participating seven airline websites. That’s Air Canada, Air New Zealand, EVA Air, Singapore Airlines, South African Airways, Thai Airways and United Airlines.

This is a recurring benefit that makes it easier to pay off your next big trip. If you pay everything off within six months, you won’t be charged any interest (currently 19.99% p.a.). Any outstanding balance after six months will revert to the standard interest rate.

Complimentary Insurance

There is also a range of complimentary insurances, including Domestic and International Travel Insurance with Rental vehicle Excess Insurance in Australia, Transit Accident Insurance, Extended Warranty Insurance, and Purchase Protection Insurance.

Some aspects of the included travel insurance will cover you (and/or your spouse and dependents) if you get sick with COVID-19.

The full PDS outlining the details of all the benefits included with the HSBC Star Alliance Credit Card can be found here.

This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.

HSBC Apple Pay & Google Pay support

HSBC cards support Apple Pay & Google Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.

Summing up

The HSBC Star Alliance Credit Card is a new offering that may provide a smoother travel experience with participating airlines. The offering extends the option to earn Star Alliance Points and allows you to transfer them to your choice of seven participating airlines.

It also offers an option to fast-track your way to Gold status, a $0 annual fee in the first year ($450 p.a. thereafter) and 1 point per $1 for the first $3,000 spent per statement period (only on eligible purchases).

HSBC would like us to include the following important information:


* Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at find out more about Credit Card Terms and Conditions which may be amended from time to time. Consider its appropriateness to these factors before acting on it. You can contact AGA on 1800 648 093. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover.

If during the period of your cover, you (and your spouse/dependents, if they’re eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19) cover may be available under selected International Travel Insurance benefits. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at find out more about Credit Card Terms and Conditions.


Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offer is not available for product transfers or in conjunction with any other offer. HSBC may change or end this offer at any time. Fees, charges, min. spend, terms, conditions and HSBC’s lending criteria applies to all credit cards issued by HSBC. Go to or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. See terms and conditions for more information.


The Star Alliance network was established in 1997 as the first truly global airline alliance, based on a customer value proposition of global reach, worldwide recognition and seamless service. Since inception, it has offered the largest and most comprehensive airline network, with a focus on improving customer experience across the Alliance journey.

The member airlines are: Aegean Airlines, Air Canada, Air China, Air India, Air New Zealand, ANA, Asiana Airlines, Austrian, Avianca, Brussels Airlines, Copa Airlines, Croatia Airlines, EGYPTAIR, Ethiopian Airlines, EVA Air, LOT Polish Airlines, Lufthansa, Scandinavian Airlines, Shenzhen Airlines, Singapore Airlines, South African Airways, SWISS, TAP Air Portugal, THAI, Turkish Airlines, and United.

Overall, the Star Alliance network currently offers more than 10,000 daily flights to almost 1,200 airports in 184 countries. Further connecting flights are offered by Star Alliance Connecting Partners Juneyao Airlines and THAI Smile Airways.


Star Alliance Australia Pty Ltd (ABN 57 661 145 080) was established in July 2022 to operate as principal of the Star Alliance Rewards program.

^ 20,000 bonus MileagePlus miles Terms and Conditions

Earn 20,000 MileagePlus bonus miles when you spend $4,000 AUD or more on eligible purchases in your first 90 days from account opening. Only Primary cardholders that apply and are approved for a new HSBC Star Alliance Credit Card between June 1 2024 and August 31 2024, and nominate United Airlines MileagePlus as their Status Airline through the Star Alliance Rewards Program will be eligible for the welcome United Airlines MileagePlus bonus miles (more information available on the Star Alliance Rewards Terms and Conditions). Please note that customers who select Star Alliance Points bonus (instead of Star Alliance Gold Status) when nominating their Status Airline in the Star Alliance Rewards portal will not be eligible for United Airlines MileagePlus welcome bonus miles. 

After qualifying, please allow 6 to 8 weeks for the welcome bonus miles to be posted to your MileagePlus account. To be eligible for this welcome bonus miles offer, your MileagePlus account must be open and in good standing at the time of fulfillment. MileagePlus may, in its sole discretion, choose to limit the number of welcome bonuses or similar bonuses or incentives a member may receive in any period, and reserves the right to suspend, revoke or terminate the MileagePlus account of any person who engages in a behavior of excessive use of the welcome bonus offers. MileagePlus Program Rules apply. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees, and charges, BPAY®, any disputed transactions and government fees and charges.

Fast track to Gold Status with the HSBC Star Alliance Credit Card + for a limited time earn 20,000 bonus MileagePlus miles^ was last modified: July 4th, 2024 by Brandon Loo