HSBC Advance Visa Platinum

Exclusively for new and existing HSBC Advance customers, earn Reward Points with every Ringgit spent and redeem benefits from HSBC privileges and rewards programs.

HSBC Advance Visa PlatinumAnnual Fee Waiver
Min. Income
RM3,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

Tap for your daily purchases (contactless purchases via MasterCard Tap & Go™, Visa payWave or Samsung Pay) and earn 8X reward points, while spending on Online, Overseas and Groceries purchases will give you 5X reward points.

HSBC Rewards Programme
EarnSpend
8 points on every RM1on Contactless Purchases via MasterCard Tap & Go™, Visa payWave or Samsung Pay
5 points on every RM1on Online, Overseas and Groceries expenses

Travel

Give new meaning to "Global Recognition". Your HSBC Advance Visa Platinum Credit Card is recognized across the globe, allowing you the luxury of enjoying the best local offers available.

Premium

Get exclusive deals and savings at more than 6,500 Shopping outlets nationwide with your HSBC Advance Visa Platinum Credit Card. With new and exciting offers every month, you'll enjoy better savings on your shopping spree.

Balance Transfer

HSBC Balance Transfer offers interest payments for as low as 0% p.a. for 3 months - only for new HSBC cardholders!

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3% one-time upfront handling feefrom RM1,000
6 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months8.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about HSBC Balance Transfer Plan

Easy Payment Plans

HSBC Card Instalment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about HSBC Card Instalment Plan

Fees & Charges

Annual Fee
  • RM0 primary card
  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • HSBC Advance Account members only

Features

Easy Payment Plan
HSBC Card Instalment Plan
Enjoy 0% interest rate on tenure as long as 36 months at zero fees. Never have to worry about money when you can convert it HSBC Card Instalment Plan.
Cash Advance / Cash Loan
HSBC Cash Instalment Plan
Borrow up to 95% of your credit limit at a low flat rate and pay over 60 months. Your immediate needs will be taken care of with cash from HSBC.
Balance Transfer Plans
HSBC Balance Transfer Plan
Low interest rates for brand new HSBC cardholders! HSBC Balance Transfer helps you get back in control of your finances.

Review

Dreaming of having a premier banking status? Intentionally keen to benefit from preferential rates and exclusive rewards? Read on how you can achieve your resolution by owning a premium credit card with HSBC Advance.

Am I eligible to apply?

There are few requirements that you should meet before owning a HSBC Advance Visa Platinum credit card. Interestingly, they are not at all demanding compared to other premier banks' entry conditions. 

Below are the checklist for prospecting and existing HSBC Advance Visa Platinum credit cardholders:

  • Must open / have an account with HSBC Advance; 
  • Earn a minimum income of RM36,000 per year; and
  • Have RM30,000-worth of savings or a home loan of a minimum of RM300,000.

8x Reward Points

Effective 15 July 2019, cardholders will be rewarded with up to 8x Reward Points for every RM1 spent when payment is made via contactless transaction. Additional categories to earn accelerated reward points are Groceries, Online and Overseas spend.

  • Earn 8x Reward Points* for all Contactless spend (such as MasterCard Tap&GoTM, Visa Paywave or Samsung Pay)
  • Earn 5x Reward Points* for Online spend with Lazada, Shopee, Grab, Zalora, HappyFresh and Fave. For a limited time, you can get 5x more Reward Points with Malindo Air, Klook and Hermo (valid until 31 December 2019)
  • Earn 5x Reward Points* for Groceries spend
  • Earn 5x Reward Points* for Overseas spend

Privileges & Rewards Programs

There is not one, but 4 reward programs you can explore with HSBC Advance Visa Platinum Credit Card:

  • Visa Premium Privileges for Visa credit cardholders
  • HSBC Rewards Programme, an online catalogue for redemption of products, services and air miles
  • SmartPrivileges Programme, a single webpage hosting exclusive deals, discounts and cashback
  • Home & Away Programme, more offers and perks all year round whether at home or abroad

Accessible Line of Credits

Your HSBC Advance Visa Platinum comes packed with not only perks and privileges, but can also be handy when you stumble on emergency cash needs. There are 3 credit lines you can access from your HSBC credit card such as:

  • HSBC Balance Transfer Plan: a debt consolidation plan with lower charges over flexible tenures
  • HSBC Cash Instalment Plan: a cash loan plan
  • HSBC Balance Conversion Plan: an easy payment plan
  • Cash Advance: a cash withdrawal facility

Personalized Banking Services

The real value of a credit card is when it makes your day to day life a whole lot simpler and help you manage your finances efficiently:

Internet banking - Take full control of your credit card account wherever you are with HSBC Advance Personal Internet Banking

Auto bill payments - If you're always running around making late bill payments, worry no more. You can set-up auto bill payments via [email protected] and HSBC Telebanking Services

Phone banking - If you need to make any banking inquiry, HSBC customer hotline is only a phone call away. No longer will you need to make your way to a bank branch!