• Min. Monthly Income

    RM3,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM240

Feature Highlights
  • Earn up to 8x Reward Points from retail spending at Mid Valley Megamall and The Gardens Mall
  • Earn up to 5x Reward Points from retail spending at over 20 shopping malls and departmental stores nationwide
Dining
8/10
Groceries
6/10
Shopping
6/10
Entertainment
6/10

Promotion

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  • Spend an accumulated total of RM1,000 on anything you want within 60 days from the date of the welcome letter
  • Get RM250 Cash Back automatically credited to your new HSBC Credit Card!

Dining

  • 8x Reward Points for every RM1 spent on dining overseas
  • 5x Reward Points for every RM1 spent on dining locally

Groceries

  • 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall
  • 5x Reward Points for every RM1 spent at other participating malls and departmental stores

Shopping

  • 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall
  • 5x Reward Points for every RM1 spent at other participating malls and departmental stores

Entertainment

  • 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall
  • 5x Reward Points for every RM1 spent at other participating malls and departmental stores

Other Features

  • Protection Plan

    • Flight and Travel Accident with coverage of up to RM1,500,000
    • Purchase Protection Cover of up to RM15,000 per item or up to RM45,000 per occurence

  • 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

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

Card Information

Annual Fee RM240 (Free with 12 swipes a year)
Min. Monthly Income RM3,000
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM127.20 (Inclusive of GST)
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

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 iMoney Malaysia

Shopping And Rewards, Best Of Both Worlds!

HSBC Visa Platinum Credit Card offers up to 8x Reward Points for all participating outlets at Mid Valley Megamall and The Gardens Mall and 5x Reward Points for other participating malls. Spending on dining overseas gives you 8x Reward Points as well. This card also comes with insurance coverage including Automatic Flight and Travel Accident and Purchase Protection Cover.

Fees and Charges

There is no annual fee if you make at least 12 swipes a year, otherwise, it is RM254.40 (Inclusive of GST) But for supplementary card, a fee of RM127.20 (Inclusive of GST) 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!