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Apply today!

1. Click Apply Now and complete the HSBC credit card application

2. You will get a fast response displayed on screen and emailed to you

3. If you are approved, all you need to do is take your response, your application and Photo ID into michaels

4. Enjoy your new goods!

HSBC Credit Card Features

Interest Free*

Interest-free and interest-free payment-deferred promotional purchases at michaels (reverts back to a variable cash advance rate of 25.99% p.a.)

Low Fee

Competitive $59 annual fee. For purchases from $500 to $50,000. No early repayment fees on your promotional purchase.

Worldwide Opportunities

Worldwide acceptance at over 24 million Visa retailers.

Cash Withdrawals

Cash withdrawals at over 800,000 ATMs worldwide.

*Interest free finance is applied only to promotional transactions for the specified period. Balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the cash advance rate current at the time, which is 25.99%pa current at 19/06/2014 and subject to change. See in-store for details. Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher. Lending criteria, terms and conditions, fees, and charges apply and are available on application. Minimum Spend $500. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence 232595. Available every day.

Frequently Asked Questions

How does interest-free* work?

Interest-free* means you will not pay any interest on the promotional purchase you make at michaels camera video digital. You will be required to pay the minimum monthly repayments as you would with any standard credit card purchase. Other transactions made with your credit card will incur interest charges. Upon expiry of your interest free* period, any remaining balance will revert back to the cash advance rate of 25.99% p.a.

Can I make other interest-free* purchases with my card?

Yes, you can use your card to make additional interest-free* purchases in-store up to your available credit limit. Simply bring your HSBC Visa Card in-store and ask the attendant to process an 'Add-on'.

What is the minimum monthly repayment I will have to make?

Unless your payments are deferred, the minimum monthly repayment is the higher of $20 or 3% of the outstanding balance at the time of your credit card statement is issued. You must pay at least the minimum repayment set out in each statement on or before the due date. This is the date HSBC should receive your payment, not the date on which you make the payment. You should allow sufficient time for payments to be received and processed by us before the due date.