I know someone woud ask this, DOH!Anything in particular you didn't like about it? The ForEx rates?
I think it was the fact that if there is only AUD in the account, and you spend overseas in USD, than its converted at the HSBC rate, not the Visa Daily rate.
I think this applies to the 10 currencies on the card. If its any other currency, then its converted at the Visa Daily rate.
To me this is just way tooo complicated, and the product description/terms, is really hard to follow. Plus when asking questions of the HSBS helpdesk (online messaging) they never answer the question you ask.