HSBC Platinum Credit Card
Get up to 8X reward points on your everyday purchases, and claim exclusive dining or travel rewards! No annual fee when you do 12x swipes in a year and meet annual spending of RM2,000.
No annual fee after 12X swipes in a yearProduct 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
Touch 'n Go E-Wallet Credit
worth RM150
when you apply through RinggitPlus *
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Rewards
Tap for your daily purchases (contactless purchases via MasterCard Tap & Go™, Visa payWave, Samsung Pay, Apple Pay or Google Pay) and earn 8X reward points. Meanwhile, spending Online (Lazada, Shopee, Zalora, Grab and Fave), Overseas and Grocery purchases will give you 5X reward points. The accumulated reward points can then be redeemed for Shopee and Grab vouchers, including attractive gifts via the HSBC Rewards Programme.
| Earn | Spend |
|---|---|
| 8 points on every RM1 | on contactless spending |
| 5 points on every RM1 | on online (Lazada, Shopee, Zalora, Grab & 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
Start managing your credit card debt with the HSBC Balance Transfer Instalment program for 12 months with a low 3.88% one-time upfront fee.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 12 months | 0% p.a. and 3.88% one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Get any of your dream items instantly with a 0% p.a. instalment 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 do 1x swipe once a month for 12 consecutive months, and meet annual spending of RM2,000
- 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
- Visa payWave
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 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
- Take care of your immediate needs with HSBC. New-to-card customers get as low as 3.88% p.a. while existing-to-card customers enjoy 4.88% p.a. over a 12-month tenure. Both customers have the flexibility to borrow up to 60% of their credit limit. Reach out to the bank for more details!
- Balance Transfer Plans
- HSBC Balance Transfer Instalment
- Enjoy a low 3.88% one-time upfront payment fee and have the flexibility to stretch your payment over a 12-month tenure. Get back in control of your finances!
Review
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