HSBC Premier Travel Credit Card
This travel credit card earns you Air Miles for eligible spending categories, including a host of travel benefits and privileges brought to you by Mastercard.
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
Hear from our users
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Rewards
Earn 1.1 Air Miles for every RM1 spend overseas, capped at 20,000 Air Miles; whereas 1 Air Mile for every RM4 spent locally, capped at 30,000 Air Miles per calendar month. You can also convert Air Miles to cash back into Premier Junior Savers Account!
| Earn | Spend |
|---|---|
| 1.1 points on every RM1 | on all overseas spend in foreign currency (including online, utility and insurance transactions) |
| 1 point on every RM4 | on all local spend in Ringgit Malaysia (including online, utility and insurance transactions) |
Travel
Enjoy 12x complimentary visits to participating Plaza Premium Lounges in selected international airports worldwide for the primary cardholders, including an e-commerce protection plan for up to USD 200 by Mastercard. Additionally, enjoy Global Data Roaming by Flexiroam in over 150 countries, unlimited free access to Digital Health services by Medi24, a 10% discount on Expedia hotel bookings, and a 7% discount on Agoda hotel bookings. Terms apply to all perks!
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
- RM600 primary card
Free for the first year
Waived when you spend more than RM45,000 annually on the subsequent years
- RM0 supplementary card
- RM600 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
- By-invitation and eligible for HSBC Premier Elite account members only with a minimum of RM3,000, 000 in total relationship balance with HSBC
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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- Cashback
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