Australia card comparison
The Platinum Card vs HSBC Star Alliance Credit Card
The Amex Platinum Australia and the HSBC Star Alliance card are the top comparison for Australian-issued premium cards. The Platinum has the broadest non-airline lounge coverage (Priority Pass, Centurion at Sydney). The HSBC Star Alliance is the only card globally that earns points across all Star Alliance carriers, which is a unique positioning for travelers who fly multiple Star Alliance airlines.
Last reviewed: . Card information is summarized from issuer benefit pages and is reviewed periodically. Always verify current terms with the issuer before applying.
American Express
The Platinum Card
HSBC
HSBC Star Alliance Credit Card
Side-by-side comparison
| Dimension | The Platinum Card | HSBC Star Alliance Credit Card |
|---|---|---|
| Issuer | American Express | HSBC |
| Issuing country | Australia | Australia |
| Annual fee | A$1,450 | A$499 |
| Lounge networks |
|
|
| Lounges this card opens (tracked) | 384 lounges across 180 airports | 68 lounges across 50 airports |
| Guest policy | 2 guests at Centurion & Priority Pass. Terms apply for others. | Star Alliance Gold benefits |
| Credit score | Good Credit (18+, Aus Res, No Defaults) | Excellent (Min Income $75k) |
| Purchase APR | N/A (Charge Card) | 19.99% p.a. |
Who should pick which
Pick the The if
Best for travelers who want premium non-airline lounge coverage, fly through Sydney Centurion regularly, and use Membership Rewards transfer partners.
See full The Platinum Card detailsPick the HSBC if
Best for travelers who fly multiple Star Alliance airlines (Singapore, Air New Zealand, Thai, ANA, United) and want a single card that earns flexible Star Alliance points.
See full HSBC Star Alliance Credit Card detailsStrengths and trade-offs
The Platinum Card
Strengths
- Global Lounge Collection (1,400+ lounges)
- Accor Plus Explorer ($349 value) + $400 Dining Credit
- Comprehensive Travel & Smartphone Insurance
Trade-offs
- High annual fee ($1,450)
- Charge card structure (pay in full)
- Acceptance lower than Visa/Mastercard
HSBC Star Alliance Credit Card
Strengths
- $0 Annual Fee in the first year ($499 afterwards)
- Fast track to Star Alliance Gold (Spend $4k in 90 days)
- 0% interest for 6 months on Star Alliance flight bookings
Trade-offs
- Highest annual fee ($499 after 1st year)
- Higher purchase interest rate (19.99% p.a.)
- 3% Overseas Transaction Fee
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