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Make your mark with the HSBC Debit Mastercard®

HSBC Debit Mastercard®


At HSBC Premier, we're continually looking at ways in which we can help you make your mark, both here and overseas. Our extensive global presence means we have access to resources and international networks that can provide you with the very best in banking around the world, plus our local expertise means we can also provide you with the very best service here at home as well.

  • No annual fee for HSBC Premier1
    Quick and easy request for a card – you can apply within internet banking, over the phone, or in branch.
  • Use your own money – no 'credit card' bills
    Your HSBC Debit Mastercard is simply linked to your eligible HSBC transaction account or savings account - so when you use your card, you're using the money in your account (including any prearranged overdraft funds).
  • Use your card details to shop online on the world wide web
    Use it to buy things online, over the phone, and overseas2.
  • Withdraw cash from ATMs around the world2, 3
    Withdraw cash from ATMs in new Zealand or overseas, and we won’t charge you a cash withdrawal fee.
  • Set up regular payments or pay for subscriptions using your card details
    Use your card details to pay for those regular bills.
  • Use wherever Mastercard is accepted
    Use ATMs to view your account balance(s) 24 hours a day, 7 days a week.
  • HSBC Debit Mastercard Privileges
    Access to a broad range of local and global experiences across dining, travel, retail and entertainment. With offers handpicked for Mastercard cardholders, spoil yourself by visiting Mastercard website.
  • Tap & goTM at contactless terminals across the globe
    Tap & go at a contactless terminals – in New Zealand or overseas. Here in New Zealand you'll have to enter your PIN for any amount over $200 effective from April 2020. Overseas, there's a similar threshold, although the amount will vary by country/region.

Debit Mastercard fees

As at 1 June 2018
Items Fees
Annual card fee
$10 p.a.1
Overseas transaction fee2, 3
2.10% of transaction amount
Replacement card
$15 per card
Card delivery overseas
On request
As at 1 June 2018
Items Annual card fee
Fees $10 p.a.1
Items Overseas transaction fee2, 3
Fees 2.10% of transaction amount
Items Replacement card
Fees $15 per card
Items Card delivery overseas
Fees On request

Please ensure you read the HSBC Debit Mastercard Terms and Conditions (PDF, 77KB) for details on using your card overseas.

Debit Mastercard transaction limits

As at 4 Feb 2019
Transaction type
Daily limit value
ATM withdrawal
NZD 3,000
NZD 6,500
As at 4 Feb 2019
Transaction type
ATM withdrawal
Daily limit value
NZD 3,000
Transaction type
Daily limit value
NZD 6,500

Frequently Asked Questions

If you have any questions related to the HSBC Debit Mastercard, please take a look at the frequently asked questions (FAQ) below. If you don't find the answers you are looking for, please call us on 0800 02 80 88.

Important information

1The $10 annual fee does not apply to HSBC Premier.

2The HSBC overseas transaction fee may apply when you withdraw cash or spend overseas or in foreign currency. The NZD transaction amount will appear on your statement and will include any ATM operator or retailer fee if applicable. A separate transaction amount on your statement, will include this overseas transaction fee, made up of any currency conversion margins and any applicable Mastercard fee. Please refer to the HSBC Debit Mastercard Terms and Conditions (PDF, 77KB) for more details on using your card overseas, foreign currency spend and any applicable reversals on your HSBC Debit Mastercard.

3ATM operator fees may apply.These should be advised to you by the third party before you complete the transaction.

Terms and conditions

HSBC Wealth and Personal Banking Terms and Conditions (PDF, 134KB) apply.

Mastercard and Priceless are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Tap & go is a trademark of Mastercard International Incorporated.

Issued by The Hongkong and Shanghai Banking Corporation Limited, incorporated in the Hong Kong Special Administrative Region (HKSAR), acting through its New Zealand branch (“HSBC”).