HSBC Platinum Credit Card

Enjoy 0% p.a. interest on balance transfers for 26 months1 (1% balance transfer fee applies2) and $0 annual fee in the first year3


Available to new, approved customers who apply for the Platinum credit card. HSBC may change or end this offer at any time. Please see full terms and conditions below. Other fees and charges apply.

HSBC Platinum Credit Card ; image used for HSBC Australia Platinum Credit Card offer.

Features and benefits

  • 0% p.a. interest on balance transfers for 26 months1 (1% balance transfer fee applies2).
  • $0 Annual Fee in the first year3.
  • Rewards Plus program - earn two Rewards Plus Points per dollar on eligible overseas purchases and one Rewards Plus Point per dollar for all other eligible purchases4. Rewards Plus Points can be redeemed for a variety of e-gift cards from Bunnings, Coles, Woolworths, Amazon, JB Hi-Fi, Uber and more. For more details, click here.

Applying is easy

A man is paying his purchase at a coffee shop

Who can apply?

  • Must be over 18 and an Australian resident
  • Earn at least $40,000 p.a.
  • Have a good credit rating
You'll need identification, your current address, income and employment details.

What to expect

  • Apply securely online in 10 minutes
  • Get an instant response in 60 seconds
  • Upload any required documentation

Apply today

Put time on your side with 0% p.a. interest on balance transfers for 26 months1

Important information

Terms and conditions

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offer available to new, approved HSBC credit cardholders. HSBC may change or end this offer at any time. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC.


Visit or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change.

  1. To be eligible for the introductory balance transfer rate, the balance transfer request must be made when applying for the HSBC Platinum Credit Card. Your total balance transfers must not exceed 90% of your approved credit limit. The interest rate on the balance transfer applies for 26 months and must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently 21.99% p.a. and subject to change). HSBC will allocate payments received from you to pay off the portion of your balance attracting the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your Platinum Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount.
  2. The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee will be applied at the time the balance is transferred and forms part of your total outstanding balance.
  3. The Platinum Annual Fee will be waived in the first year from the date of approval for customers taking up the 26 months balance transfer offer only. The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Platinum credit card Annual Fee is currently $129 but is subject to change.
  4. HSBC's Credit Card Rewards Terms and Conditions apply (PDF, 132 KB). Points capping limit of 10,000 points per statement period apply. Eligible purchases exclude interest free promotions, balance transfers, cash transfer, business expenses, cash advances, fees or charges, any disputed transactions, BPAY® and any government fee or charge.