HSBC Platinum Credit Card

Get up to 8X reward points on your everyday purchases, and claim exclusive dining or travel rewards! Free for the first year, and waived in subsequent years if you spend RM6,000 annually.

HSBC Platinum Credit Card
Min. Income
RM8,500/month
Annual Fee
Free*
Balance Transfer
From 3.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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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.

HSBC Reward Points
EarnSpend
8 points on every RM1on contactless spending
5 points on every RM1on 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!

Premium

This card is available for Apple Pay, Samsung Pay and Google Pay! Extra savings and special discounts every month at more than 6500 participating shopping outlets nationwide with your HSBC Platinum credit card.

Balance Transfer

Start managing your credit card debt with the HSBC Balance Transfer Instalment program for 12 months with a low annual interest rate.

Pay OverWith Interest Rate AtWhen You Transfer
12 months3.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about HSBC Balance Transfer Instalment

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.

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
  • RM240 primary card

    Free for first year, and waived in the subsequent years when you meet annual spending of RM6,000 (effective 1st September 2025).

  • RM120 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
RM8.70
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM102,000
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/profit 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! Effective 17 August 2026, HSBC will remove the 2% Cash Advance Fee on Cash Instalment Plans below RM5,000.
Balance Transfer Plans
HSBC Balance Transfer Instalment
Enjoy a 3.88% annual interest rate with no upfront handling fee, and stretch your payments over a 12-month tenure. Get back in control of your finances!

Review

Attractive Reward Points with HSBC Platinum Credit Card

Love shopping? HSBC Platinum is the best credit card for you!

Cardholders earn up to 8x Reward Points for every RM1 spent when paying via contactless transactions. 

Additional categories that earn accelerated reward points include Grocery, Online, and Overseas spending.

  • Earn 8x Reward Points* for all Contactless spending (such as MasterCard Tap & Go™, Visa Paywave, Samsung Pay, Apple Pay or Google Pay)
  • Earn 5x Reward Points* for Online spending with Lazada, Shopee, Grab, Zalora, and Fave
  • Earn 5x Reward Points* for Groceries spend
  • Earn 5x Reward Points* for Overseas spend

*Terms and conditions apply.

Home & Away Programme

This HSBC credit card is recognised worldwide! 

Enjoy discounts, offers, and other benefits on dining, accommodation, leisure, and entertainment when you travel overseas, whether in America, Asia, Europe, or the Middle East.

HSBC SMS Alert

HSBC promises you convenience and flexibility. Using the Internet and phone banking saves the hassle of rushing to the bank during your one-hour lunchtime!

With HSBC SMS Alert, you will be notified of any transaction in your account, free of charge. Moreover, sign up for HSBC's Bill Payment service so you can stop worrying about overdue utility and phone bills.

Save More With HSBC Platinum Credit Card

The HSBC Balance Transfer Instalment lets you save up to 73% on interest when you transfer your balance from other banks' credit cards to your HSBC Platinum credit card.

Enjoy a low 3.88% annual interest rate and pay no upfront fee. Stretch your instalments for 12 months!

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