HSBC Advance Visa Platinum credit card

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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 3x reward points 

Apply online now for HSBC Advance Visa Platinum

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
High Reward Points for every Ringgit channeled to online shopping, standing instruction or auto-billing. All other transactions (except Petrol) gain you 1x Reward Point. Spend and get rewarded from a host of reward programs.
HSBC Rewards Programme
EarnSpent
3 points on every RM1on online shopping, standing instruction, or auto billing
1 point on every RM1on all local and overseas retail expenses
Your HSBC Rewards Programme earned expires in  3 years
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 RM1000 
6 months4.99% p.a. and 0% one-time upfront handling feefrom RM1000 
12 months6.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about HSBC Balance Transfer Plan
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life. HSBC Advance customers only.
Annual Fee for Supplementary Card
RM0
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM36000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
HSBC Advance Account members only

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
HSBC Balance Conversion Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
HSBC Cash Instalment Plan
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
HSBC Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

HSBC Advance Visa Platinum review

What's so good (or not so good) about it?

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.

3x Reward Points

Everybody loves rewards after a hard work. Considering swiping your HSBC Advance Visa Platinum as an effort, you are sure going to appreciate the significance of your transactions as you will get Reward Points for every Ringgit spent.

Here goes: when you make online purchases, standing instruction or auto-bill payments with HSBC Advance Visa Platinum, you earn 3x Reward Points; whereas 1x Reward Point will be yours for all other transactions (excluding Petrol).

Keep swiping to collect more Rewards Points, which then can be redeemed for many products and services from HSBC Rewards Programme.

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 online@hsbc 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!

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