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HSBC Platinum Credit Card

Free 24-hour loss reporting line
If you lost your credit card, don't hesitate to reach out to HSBC available for you 24/7
SecurePay
Secure transactions when making online purchases with a One-Time-Password (OTP) sent via SMS
Pin and Pay
For improved financial security and to prevent credit card fraud, a 6-digit Personal Identification Number (PIN) will be used for all credit card payments at point-of-sale terminals in Malaysia. Additionally, new credit cards have the contactless Paywave feature, which allows a fast, easy and convenient way to pay.
Email statements
Timely delivery of statements securely and privately so enjoy no lost or misplaced statements. Join HSBC's Go Green Initiative - advocating a paperless environment, and reducing global carbon footprint.
Cash Advance
Flexibility for emergency use or when a credit card payment is not acceptable. No documents are required and enjoy 24-hour instant cash withdrawal from any ATMs worldwide.
Balance Transfer
Consolidate your other credit card outstanding balances and enjoy a low 3.88% one-time upfront handling fee for 12 months.
Cash Instalment Plan
Convert available credit limit into cash and enjoy interests as low as 3.88% p.a. and 4.88% p.a. for new-to-card and existing-to-card customers respectively, for up to 12 months of repayment period.
Minimum monthly income | RM 3,000 |
Minimum age: | |
Cardholder | 21 |
Supplementary Cardholder | 18 |
Annual fee | RM 240 | Waived with minimum 1x swipe once a month for 12 consecutive months and annual spending of RM2,000 |
Annual fee waiver | Yes | Waived with minimum 1x swipe once a month for 12 consecutive months and annual spending of RM2,000 |
Late payment fee | RM 10/1% | A minimum of RM10 or 1% of the outstanding balance, whichever is higher up to a maximum of RM100 |
Interest rate | 15% | Cardmembers who promptly settle their min payment due for 12 consecutive months |
Balance transfer rate (fixed) | 3.88% | Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
Annual fee |
RM 240 Waived with minimum 1x swipe once a month for 12 consecutive months and annual spending of RM2,000 |
Annual fee waiver |
Yes Waived with minimum 1x swipe once a month for 12 consecutive months and annual spending of RM2,000 |
Late payment fee |
RM 10/1% A minimum of RM10 or 1% of the outstanding balance, whichever is higher up to a maximum of RM100 |
Interest rate |
15% Cardmembers who promptly settle their min payment due for 12 consecutive months |
Balance transfer rate (fixed) |
3.88% Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
You will need to provide several documents such as (varies between different banks):
Please prepare the following documents to make your application.
Salaried Employees (Malaysian):
Multinational / Public listed Companies/Government/Semi-Government office
Looking for a credit card that gives reward points on every purchase you make? Look no further than the HSBC Platinum Credit Card.
It’s simple to earn reward points with this card because with every RM1 contactless spend you make such as via Visa PayWave or Apple Pay, you earn 8x reward points.
Online shopping on Zalora, Lazada, Shopee, Grab and Fave, including grocery shopping and overseas shopping earns you 5x reward points for every RM1 spent too.
What’s great about earning and collecting reward points is to redeem them with gifts or cash vouchers (Shopee vouchers, Grab vouchers, etc.) and you can do so with the HSBC Rewards Programme!
Not to mention, having this credit card at the ready in your wallet means you’re one swipe away from an abundance of deals and offers at more than 6,500 shopping outlets via the HSBC Smart Privilege Programme.
As an HSBC Platinum Credit Card holder, you are also entitled to enjoy a few credit features such as the HSBC Card Instalment Plan, HSBC Cash Instalment Plan, and HSBC Balance Transfer Instalment, etc.
Have your eyes on that brand-new LED TV? Or fancy upgrading to a new sofa? With this instalment plan, you can stretch the payment for up to 36 months at 0% interest.
In need of emergency cash? You have the flexibility to borrow and withdraw for up to 60% of your credit limit with 3.88% p.a. interest (for new-to-card customers) and 4.88% p.a. interest (for existing-to-card customers) for 12 months with this plan.
If you have multiple credit cards with outstanding balances from other banks, you can transfer them to this plan via a new HSBC credit card and enjoy a low one-time upfront handling fee of 3.88% for 12 months.
Anyone aged 21 years and over is eligible to apply as the principal cardholder. You also must earn a minimum annual income of RM36,000 to apply for the HSBC Platinum Credit Card.
The annual fee of the principal card is RM240 but you can waive it if you swipe once a month for 12 consecutive months, and meet the annual spending limit of RM2,000. The supplementary card comes with an annual fee of RM120.
In addition to the annual fees, you will also be charged RM25 for sales and service tax purposes annually. There is also a late payment fee of 1% or it can also be RM10 from the overdue amount. As for interest rates, you will be charged 15% annually provided you make the minimum monthly repayment which is 5% or it can be RM50 from the overdue amount, depending on which amount is higher.
You must be 21 years old and above and earn a minimum monthly income of RM3,000 (RM36,000 annually) to be eligible as a principal card holder. As for the supplementary card, the cardholder must be at least 18 years old to qualify.
Shoppers that are always out and about either locally or abroad are suitable to apply. With the attractive reward points to collect, you may able to redeem them with gifts or vouchers alike via the HSBC Rewards Programme.