#Best no foreign transaction fee credit cards hsbc free
Up to 55 days interest free on purchases.No monthly fee if you spend at least $2,500 in your statement period 5 (From 25 August 2023, you will need to spend at least $4,000 in your statement period to qualify for no monthly fee for that month).Interest rate on purchases: 20.24% p.a.Earn up to 3 Awards points per dollar spent for up to $10,000 in a statement period 3.Not eligible for Wealth Package benefits.After spending $5,000 in a given statement period, the Awards point earn rate is 0.5 Awards points or 0.2 Qantas Points per $1 spent for the remainder of your statement period 3.
Lower points earning potential than our Ultimate Awards card. May not be suitable if you only make minimum repayments over a prolonged period of time Higher interest rates on purchases compared to our Low Rate and Low Fee credit cards. Higher monthly fee compared to some of our other credit cards, if you don’t spend at least $2,000 in a statement period. Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass with your Smart Awards card 12. Up to 55 days interest free on purchases. Six complimentary insurances, including international travel insurance 1. No monthly fee if you spend at least $2,000 in your statement period 4. Interest rate on purchases: 20.24% p.a. Points Boost: Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 1,000 Bonus points 3. 
Earn up to 1.5 Awards points or 0.6 Qantas points per $1 spent, up to $5,000 in a statement period 3.
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