• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Feature Highlights
  • Earn 8x Reward Points on all contactless spend* (local retail)
  • Earn 5x Reward Points on Online*, Groceries & Overseas Spend
  • *Online merchants Lazada, Shopee, Grab, Zalora, Happyfresh, Fave, Malindo Air, Hermo and Klook


  • Avail 8x reward points for every RM 1 spent locally on Mastercard Tap&GoTM, Visapay or Samsung pay contactless payment
  • Avail 5x reward points for every RM1 Spend online* Select Merchants


  • 5x Reward Points for every RM1 spent online* Select merchants


  • Get 8x Reward Points for every RM1 spent locally on Contactless Payments like VisaPay,Mastercard Tap&GoTM or Samsung pay
  • Get 5x Reward Points for every RM1 spent online* select merchants


  • Enjoy 8x Reward Points for every RM 1 spend from local contactless payments*
  • Enjoy 5x Reward Points for every 1 spent online select merchants

Other Features

  • Exclusives offers_ -Get exclusive offers on dining, shopping & entertainment deals when you swipe your HSBC cards abroad with HSBC 's home&Away

  • 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

Card Information

Annual Fee Free (Swipe at least once for 12 consecutive months or else RM240.00)
Min. Monthly Income RM3,000.00
Min. age for principal holder


Min. age for supplementary holder


Fee for supplementary holder RM120.00
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

Sales and Services Tax (SST)

0% 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

Higher of 5% of the amount advanced or a minimum of RM15

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit


Rewards points expiry


Product Review by iMoney Malaysia

Shopping And Rewards, Best Of Both Worlds!

HSBC Visa Platinum Credit Card offers best of both worlds, whether you prefer contactless retail payments or Online shopping, earn reward points for both. On all local contactless spend like Mastercard, VisaPay & Tap&GoTM or Samsung pay, you can avail 8x. In additional you can also avail 5x reward points Online, Groceries, Overseas Spend Online purchases from Grab, Lazada, Shopee, Zalora, Fave & HappyFresh . You can also get exclusive offers on dining, shopping & entertainment deals when you swipe your HSBC Visa Platinum cards with HSBC 's home&Away.

Fees and Charges

There is no annual fee if you make at least 12 swipes a year, otherwise, it is RM240. But for supplementary card, a fee of RM120 will be incurred. 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 Visa Platinum?

To apply for The HSBC Visa Platinum credit card, you need a minimum income of RM3,000 and 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 MPower Platinum Credit Card-i and Maybank Petronas Maybankard Platinum, which may match your requirements.

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

*HSBC Platinum Amendment Terms and Conditions