HSBC Advance Visa Platinum

Exclusively for new and existing HSBC Advance customers, earn reward points with every Ringgit spent and redeem benefits from the HSBC privileges and rewards programmes.

HSBC Advance Visa PlatinumAnnual Fee Waiver
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 3x reward points for every auto-billing and online transaction. All other purchases grant you a 1x reward point. When you've accumulated enough reward points, you may redeem them with special gifts or vouchers with HSBC Rewards Programme.

HSBC Reward Points
3 points on every RM1on online transactions using local or foreign currency, auto-billing and standing instruction
1 point on every RM1on other transactions


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.


This card is available with Apple Pay. Get exclusive deals and savings at more than 6,500 selected 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. Plus, if you're a lover of online shopping, enjoy the privilege of getting your purchases covered with the E-Commerce Purchase Protection for up to USD200.

Balance Transfer

HSBC Balance Transfer Instalment offers interest payments for as low as 0% p.a. for 6 months - only for new HSBC cardholders!

Pay OverWith Interest Rate AtWhen You Transfer
3 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 1.88%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3.88%one-time upfront handling feefrom RM1,000
Learn more about HSBC Balance Transfer Instalment

Easy Payment Plans

Grab that dream item of yours instantly with a 0% p.a. instalment for up to 36 months at over 500 participating merchants.

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 feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,500
24 months0% p.a. and no one-time upfront handling feeRM2,000
36 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about HSBC Card Instalment Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life. HSBC Advance customers only.

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation 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
Contact-less Payment Methods
Visa payWave


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


Easy Payment Plan
HSBC Card Instalment Plan
Enjoy a 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 Instalment
Enjoy low-interest rates and have the flexibility to stretch your payment over a 3-month, 6-month or 12-month tenure. Get back in control of your finances!


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 for HSBC Advance Visa Platinum?

There are a few requirements that you should meet before owning an HSBC Advance Visa Platinum credit card. 

Interestingly, they are not at all demanding compared to other premier banks' entry conditions. 

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

  • Must open/have an account with HSBC Advance; and
  • Earn a minimum income of RM36,000 per year

Earn up to 3x Reward Points

HSBC cardholders will be rewarded with up to 3x Reward Points for every RM1 spent for standing instruction, auto-billing and online transactions using local or foreign currencies. 

Meanwhile, all other purchases aside from the above categories will grant you a 1x Reward Point for every RM1 spent.

Privileges and Rewards Programmes with HSBC Advance Visa Card

There are not one, but four (4) reward programmes you can explore with this HSBC Advance Visa Platinum credit card:

  • Visa Premium Privileges for Visa credit cardholders
  • HSBC Rewards Programme, an online catalogue for the 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 three (3) credit lines you can access from your HSBC credit card such as:

  • HSBC Balance Transfer Instalment: 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

Personalised Banking Services

The real value of a credit card is when it makes your day-to-day life a whole lot simpler and helps 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, the 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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