HSBC Star Alliance Credit Card (KrisFlyer Nov 2025)
Ended — kept for reference
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,000 within 90 days — about $1,333 per month.
Can I get the card?
The minimum credit limit is $6,000. This is the least the bank may let you borrow.
You must earn at least $75,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
The listed end date has passed: 28 December 2025. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
Should I keep it after the first year?
Keeping the card costs $499 each year ($499 annual fee) — the first year was $0.
The year-two bonus is 20,000 Krisflyer points.
Ongoing earn: 1.00x Krisflyer points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $499/yr.
25,000 Krisflyer points at 1.5¢ a point − $0 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
Includes KrisFlyer Elite Gold status (Star Alliance Gold). Lounge access to Star Alliance and Virgin domestic lounges. Existing Gold/PPS members get 40k Star Alliance Points (~32k KrisFlyer) instead. Second year bonus requires $48,000 spend in year 1. Lifetime limit: cannot receive fast track Gold again via this card.
Terms and evidence
Full current terms
Offer terms
First Year Points
25,000 points
Krisflyer
Second Year Points
20,000 points
With $499 annual fee
Minimum Spend
$4,000
within 90 days (about 3 months)
Offer Expires
December 28, 2025
10 months ago
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
Free
Ongoing Annual Fee
$499
From year 2 onwards
Purchase Interest Rate
19.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Offer terms history (3 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
No recorded term changes from the previous version.
No recorded term changes from the previous version.
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About these ended terms (published 7 Feb 2026) — not the current offer.
Community and personal tools
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