Limited time: Earn up to 55,000 bonus miles and MileagePlus Premier Gold status

Exclusively for members who are Australian residents.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders. Fees, charges, terms, conditions, and HSBC’s lending criteria apply to all credit cards issued by HSBC. Visit the HSBC website or call 1300 308 880 for details. Interest rates are valid at the time of publication and are subject to change.

†Earn 35,000 MileagePlus welcome 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 February 2 2026 and May 1 2026, and receive MileagePlus Premier Gold Status after nominating United Airlines as their Status Airline through the Star Alliance Rewards Program will be eligible for United Airlines MileagePlus bonus miles (more information available on the Star Alliance Rewards Terms and Conditions). Please note that customers who select Star Alliance Bonus Points (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. 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.

†† Earn 20,000 renewal bonus MileagePlus miles when you spend $48,000 AUD or more on Eligible Purchases within 12 months from account opening and pay your annual fee for your second year of card membership. Only Primary cardholders that apply and are approved for a new HSBC Star Alliance Credit Card between February 2, 2026 to May 1 2026, retain United Airlines as their nominated Status Airline through the Star Alliance Rewards Program, and receive MileagePlus Premier Gold status from their HSBC Anniversary Gold Status benefit will be eligible to receive the Renewal Bonus. After qualifying, please allow 6 to 8 weeks for the bonus miles to be posted to your MileagePlus account. To be eligible for this 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 bonus offers. MileagePlus Program Rules. 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.

1. To be eligible for Fast Track to Star Alliance Gold Status, you must apply and be approved for a new HSBC Star Alliance Credit Card and spend $4,000 on eligible purchases within the first 90 days from account opening. Star Alliance Gold status is granted through the corresponding status tier in the Frequent Flyer Program (FFP) of the participating Star Alliance Member Airline you nominate as your Status Airline through the Star Alliance Rewards Program. Refer to the Star Alliance Rewards Terms and Conditions for available status tiers and additional terms and conditions. Status will be granted within 30 days after reaching the qualifying spend of $4,000, provided that your account is active and not in arrears. Your status will be granted until the first anniversary of your account opening or earlier, if you qualify for a higher status with your selected Frequent Flyer Program by any means. You may not be able to receive Star Alliance Gold status with a participating Frequent Flyer Program if you already hold, by any means, an equivalent or higher status with that Program or have been previously granted Gold status via the HSBC Star Alliance Credit Card (“fast-track to Gold) welcome offer (more information available on the Star Alliance Rewards Terms and Conditions). You may only request status with one participating Frequent Flyer Program each time you qualify and may not switch Programs during the duration of that status. Any status granted under the HSBC Star Alliance Credit Card is withdrawn immediately if you close your HSBC Star Alliance Credit Card account. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Star Alliance Credit Card within the last 18 months are ineligible for this offer.

2. 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.

3. The Annual Fee will be $0 in the first year, then $499 in subsequent years and is subject to change. Therefore, the first annual fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. $0 Annual Fee in the first year does not apply to existing HSBC customers transferring from another HSBC credit card.

4. Lounge access extends to Star Alliance Member Airlines, Star Alliance-branded lounges and certain contract and program lounges when traveling on flights operated by Star Alliance Member Airlines. The right to lounge access for Star Alliance Gold customers is subject to the terms and conditions of Star Alliance Lounge Access Policy.

5. Complimentary Economy Plus and preferred seating access is determined by the highest Premier status of the travelers on the reservation. Complimentary Economy Plus seating for travelers on award tickets is based on the traveler's status at booking for Premier Gold and above, rather than the status of the member whose miles were used to purchase the award ticket. Complimentary (and paid) access/upgrades to Economy Plus are not valid for tickets containing Basic Economy.

6. A Complimentary checked baggage allowance applicable only on United® and United Express® operated flights, and is determined by Premier status at time of check-in with United. To determine specific checked baggage service charges, please use the Baggage Calculator.

7. Where available.

8. Available on itineraries involving a connection between two or more Star Alliance member airlines. Not all member airlines offer this benefit on own flights not involving such connections. Check with your relevant member airline at time of booking.

9. Star Alliance Points are earned in accordance with and are subject to HSBC Star Alliance Rewards Terms and Conditions. No points are earned on interest free and other promotions, Balance Transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. Membership, and the earning and redemption of points is subject to the terms and conditions of Star Alliance Rewards. Earn 1 Star Alliance Point per $1 spent up to $3,000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Star Alliance Points per statement period. The earning of Star Alliance Points is uncapped.

Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus® program, including without limitation the Premier® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines® and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com.