HSBC Platinum Credit Card
Meet your new shopping buddy. Grab up to 8X reward points on your purchases, and claim for awesome dining and travel rewards!

Product summary
- 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
Get a FREE
Shopee E-Voucher
worth RM800
when you apply through RinggitPlus *

Our Previous Winners
Hear from our users
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 (Lazada, Shopee, Zalora, Grab, HappyFresh & Fave), Overseas and Groceries purchases will give you 5X reward points.
Earn | Spend |
---|---|
8 points on every RM1 | on Contactless spend |
5 points on every RM1 | on Online (Lazada, Shopee, Zalora, Grab, HappyFresh & Fave), Overseas and Groceries expenses |
Travel
Enjoy more shopping, dining, and entertainment perks while abroad with HSBC's Home & Away. You'll get special discounts when you swipe using your HSBC Platinum credit card, wherever you go!
Balance Transfer
Handle your credit debt with the HSBC Balance Transfer Instalment programme. Get a special zero interest plan for the next 6 months if you are a new HSBC credit cardholder.
Pay Over | With Interest Rate At | When You Transfer |
---|---|---|
3 months | 0% p.a.and no one-time upfront handling fee | from RM1,000 |
6 months | 0% p.a. and 1.88%one-time upfront handling fee | from RM1,000 |
12 months | 0% p.a. and 3.88%one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Get any of your dream item instantly with 0% p.a. installment for up to 36 months at over 500 participating merchants.
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
12 months | 0% p.a. and no one-time upfront handling fee | RM1,000 |
18 months | 0% p.a. and no one-time upfront handling fee | RM1,500 |
24 months | 0% p.a. and no one-time upfront handling fee | RM2,000 |
36 months | 0% p.a. and no one-time upfront handling fee | RM2,000 |
Fees & Charges
- Annual Fee
- RM240 primary card
Waived when you swipe 12 times with no minimum spend each year
- RM120 supplementary card
- RM240 primary 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
- 18%
- Contact-less Payment Methods
- MasterCard PayPass
Requirements
- Minimum Annual Income
- RM36,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
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 Instalment
- Enjoy low interest rates and have the flexibility to stretch your payment over 3-month, 6-month or 12-month tenure. Get back in control of your finances!