• Min. Monthly Income

    RM3,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

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Feature Highlights
  • 3x Rewards Points on online purchase, standing instruction or auto-billing
  • 1x Rewards Points on all other spending
Petrol
4.5/10
Groceries
6.5/10
Shopping
6.5/10
Entertainment
4.5/10
Dining
4.5/10

Petrol

  • 1 Reward Point for every RM1 spent

Groceries

  • 3 Reward Points for online purchases
  • 1 Reward Point for every RM1 spent

Shopping

  • 3 Reward Points for online purchases
  • 1 Reward Point for every RM1 spent otherwise

Entertainment

  • 1 Reward Point for every RM1 spent

Dining

  • 1 Reward Point for every RM1 spent

Other Features

  • Shopping

    • Exclusive privileges and discounts at over 6,500 shopping outlets nationwide

  • Home & Away Programme

    • This card is recognised across the globe

    • Enjoy the luxury of local offers available including dining, shopping, leisure and entertainment around the world

  • Balance Transfer

    • [Plan A]: 3% upfront interest charge, 0% for the next 5 months
    • [Plan B]: 0.58% per month (6.99% p.a.) for a tenure of 12 months

    • [Plan C]: 0.42% per month (4.99% p.a.) for a tenure of 6 months

  • Instalment Plan

    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (Spend at least once monthly for consecutive 12 months period)
Min. Monthly Income RM3,000
Min. age for principal holder

21
Min. age for supplementary holder

18
Fee for supplementary holder Free of charge
Finance charges 15% p.a. - prompt payment for 12 consecutive months

17% p.a. - prompt payment for at least 10 out of 12 months

18% p.a – if any of the above are not met
Goods & Services Tax (GST)

6% on annual fee and other charges
Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount

RM5,000 per day
Cash advance charge

RM50
Cash advance interest charge

18% per annum of cash advance amount
Cashback Limit

N/A
Rewards points expiry

N/A

Product Review by iMoney Malaysia

Exclusive Privileges And Discounts!

HSBC Advance Visa Platinum Credit Card offers 1 Reward Points for every RM 1 on retail spending. Apart from that, privileged benefits and rebates are available for you at many shopping outlets nationwide. This card also comes with insurance coverage including Automatic Flight and Travel Accident and Purchase Protection Cover.

Fees and Charges

For this card, there is no annual fees. It is free for life including for the supplementary cards. By settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) you get to enjoy a low finance charge of 15% per annum. As for late payment penalty, the amount charged is 1% of your outstanding balance, up to a maximum of RM100.

Are You Eligible For The HSBC Advance Visa Platinum Credit Card

To apply for HSBC Advance Visa Platinum Credit Card, you need to be an HSBC Amanah Advance account holder with a minimum income of RM3,000. On top of that, you need to be at least 21 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as HSBC Amanah Kad Kredit-i Advance Visa Platinum and UOB Preferred Platinum Card, which may match your requirements.

If you prefer to broaden your credit card search, review more HSBC credit cards and start comparing today!