Broadband Coverage Check
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Min. Monthly Income
RM3,000.00
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Interest Rate
15% p.a.
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Balance Transfer
0% p.a.
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Annual Fee
Free
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
Dining
- 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
Groceries
- 5x Reward Points for every RM1 spent online* Select merchants
Shopping
- 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
Entertainment
- 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 | 21 |
| Min. age for supplementary holder | 18 |
| 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 |
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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 | N/A |
| Rewards points expiry | N/A |
Product Review by 
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!