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
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 transactions. All other purchases grants you 1x reward point.

HSBC Reward Points
3 points on every RM1on auto-billing and online transactions
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.


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 6 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

Grab that dream item of yours instantly with 0% p.a. installment 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RM15 or 5% of withdrawn amount, whichever is higher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


Minimum Annual Income
Minimum Age
  • 21 years old  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 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.


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; 
  • 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

HSBC cardholders will be rewarded with up to 3x Reward Points for every RM1 spent for auto-billing and online transactions. 

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

HSBC Advance Visa Platinum Privileges & Rewards Programs

There is not one, but 4 reward programs you can explore with this HSBC 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 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

HSBC Advance Visa Platinum 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, the HSBC customer hotline is only a phone call away. 

No longer will you need to make your way to a bank branch!