HSBC Advance Visa Platinum credit card

HSBC Advance Visa Platinum

Earn reward points with every Ringgit you spend and redeem accumulated points for shopping, dining, travel, flights and many more!

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

Apply online now for HSBC Advance Visa Platinum

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Because you should be rewarded for giving the bank your business

Earn 3 points everytime you spend online, when you set up a standing instruction, or auto bill payments. Rewards points can be exchanged for amazing prizes from the HSBC Rewards Programme (Transactions at local petrol stations are excluded). The reward points you earned have a 3-year expiry!
HSBC Rewards Programme
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 months3% p.a. and 0% 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
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.
Get exclusive deals and savings at more than 6500 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 sprees.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life. HSBC Advance customers only.
Annual Fee for Supplementary Card
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
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


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

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?

There's a saying that goes Every Ringgit you spend is a Ringgit you no longer have except that it's in Malaysia version. Well with HSBC Advance Visa Platinum, you may not get back your money back physically but every Ringgit you spend is a reward point earned, or even triple the point! That's as good as cash!

Triple reward points

Ok, let's get down to business. To get that 3 reward points you yearned for, all you gotta do is charge all your online purchases whether they're in local or foreign currency and utility bills to your credit card, be it phone bill, electric bill or water bill.

Bill payments must be made on auto-payment basis that you subscribe to with your HSBC Advance Visa Platinum card in order to get 3x the reward points. Imagine never missing a bill payment which in turn saves you a good amount of money on late payment penalty fee and get not just double but triple points in return, what more can you ask for?

3x reward points giveaway are only eligible for a maximum spend amount of RM3000 per month, any amount above this will roll back to 1 point for every Ringgit spend. Other than online transactions and bill payments, you will still earn reward point at a rate of 1 for 1.

Worldwide discount

Nothing beats getting a spa after hopping from one place to another while travelling or a good dinner in a top class restaurant. Get exclusive discount all around the world on Agoda, Europcar, Kfit, Prudential Hotel, Madame Tussauds and more with this credit card.

Banking made easy

Those days of checking your account balances or performing a transaction over-the-counter is long over, you can now skip the queue and the ever-crowded bank for good! Your account information and transaction history are at your fingertips with HSBC online banking facility, just log on to HSBC online portal and everything you need is there!

Start getting your bank statement electronically and you'll never will risk losing it anymore, not to mention the extra fee charged for an extra copy. Simply sign up for internet banking and all these privileges will be yours!

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