Product image of HSBC Platinum Credit Card.

Why choose a Platinum card? 

Enhance your life with the HSBC Platinum Credit Card with:
  • 0% p.a. on interest on purchases for 12 months2
  • 0% p.a. on Balance Transfers for 12 months (no BT Fee)1
  • Earn two Rewards Plus points per dollar on overseas purchases and one Rewards Plus point per dollar for all other purchases4
Available to new, approved customers who apply for the HSBC Platinum Credit Card by 31 December 2019. Other fees and charges apply.

Rates & Fees:

  • 0% p.a. on purchases for the first 12 months2
  • 0% p.a. on balance transfers for 12 months (no BT Fee)1
  • $129 Annual Fee (refunded when you spend $6,000 or more on purchases per year)3

Ways to open:

Online, Branch, Phone

Features & Benefits

Features

  • Annual Fee refund3
    $129 annual fee is refunded with minimum spend of $6,000 on eligible purchases per year.
  • HSBC Instant Savings8
    20% off8 dining and Retail savings of up to 25%8 with your free membership to Frequent Values™ by Entertainment Publications. See full list of participating merchants here.
  • Instant savings at over 4,500 stores, hotels and attractions8
  • Complimentary insurance benefits5
    Enjoy Domestic and International Travel Insurances with rental vehicle insurance excess cover, Transit Accident Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme and Purchase Protection Insurance.
  • Up to 55 interest-free days7
  • My Card Control
    Choose when and how to use your card. Contactless, online, over the phone and international transactions can be switched on and off to meet your needs.

Rewards options

  • 2 Airport lounge passes every year9
    Travel in style with LoungeKey membership.
  • Reward Plus Program4
    Earn two points per dollar on overseas purchases and one point per dollar for all other purchases. This is capped at 10,000 per statement period
  • Visa Premium Benefits
    Money-can't-buy experiences, from backstage passes to tickets to gallery openings. For more information, visit visapremium.com.au.
  • home&Away Privilege Program6
    Your gateway to exclusive offers and privileges from our 27,000 selected partners at home and overseas.

Credit Card Fees and Charges

Credit Card Fees and Charges
Limited Time Offer
0% p.a. interest on purchases for 12 months2

Introductory Balance Transfer Rate
from non-HSBC credit cards on application

0% p.a. Balance Transfer for 12 Months1 with No Balance Transfer Fee. Reverts to variable cash advance rate.

Annual Credit Card Fee

$129 Annual Fee is refunded3 each year when you spend $6,000 on eligible purchases.

Interest Free Period on purchases

Up to 55 days7

Minimum Income Requirement

$40,000 p.a.

Minimum Credit Limit Offered

$6,000

Interest Rate for Purchases

19.99% p.a.

Interest Rate for Cash Advances

21.99% p.a.

Late Payment Fees

$30

Overseas Exchange Fees

3%

Cash Advance Fees

The higher of 3% or $4

Rewards Program

Yes

home&Away Privilege Program5

Yes

Multiple additional cards for family or friends over 16 years

Yes (no fee)

Complimentary insurance benefits4

Yes

Credit Card Fees and Charges
Limited Time Offer

Introductory Balance Transfer Rate
from non-HSBC credit cards on application

0% p.a. interest on purchases for 12 months2

0% p.a. Balance Transfer for 12 Months1 with No Balance Transfer Fee. Reverts to variable cash advance rate.

Limited Time Offer

Annual Credit Card Fee

0% p.a. interest on purchases for 12 months2

$129 Annual Fee is refunded3 each year when you spend $6,000 on eligible purchases.

Limited Time Offer

Interest Free Period on purchases

0% p.a. interest on purchases for 12 months2

Up to 55 days7

Limited Time Offer

Minimum Income Requirement

0% p.a. interest on purchases for 12 months2

$40,000 p.a.

Limited Time Offer

Minimum Credit Limit Offered

0% p.a. interest on purchases for 12 months2

$6,000

Limited Time Offer

Interest Rate for Purchases

0% p.a. interest on purchases for 12 months2

19.99% p.a.

Limited Time Offer

Interest Rate for Cash Advances

0% p.a. interest on purchases for 12 months2

21.99% p.a.

Limited Time Offer

Late Payment Fees

0% p.a. interest on purchases for 12 months2

$30

Limited Time Offer

Overseas Exchange Fees

0% p.a. interest on purchases for 12 months2

3%

Limited Time Offer

Cash Advance Fees

0% p.a. interest on purchases for 12 months2

The higher of 3% or $4

Limited Time Offer

Rewards Program

0% p.a. interest on purchases for 12 months2

Yes

Limited Time Offer

home&Away Privilege Program5

0% p.a. interest on purchases for 12 months2

Yes

Limited Time Offer

Multiple additional cards for family or friends over 16 years

0% p.a. interest on purchases for 12 months2

Yes (no fee)

Limited Time Offer

Complimentary insurance benefits4

0% p.a. interest on purchases for 12 months2

Yes

Applying is easy

Who can apply

  • Must be over 18 and be an Australian resident
  • Earn at least $40,000 p.a.
  • Have a good credit rating

Information needed

  • Identification
  • Address details
  • Income and employment

What to expect

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

Apply for a HSBC Platinum Credit Card

Already a HSBC customer?

Already an HSBC Australia customer with Online Banking?

Already an existing HSBC credit card holder?

Add an additional cardholder fee free

Important information

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Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders who apply by 31 December 2019. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC. Visit hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change.

Terms and conditions (PDF, 101 KB) apply to the use of Apple Pay.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc.

To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card. Your total balance transfers must not exceed 90% of your approved credit limit. The interest rate on the balance transfer applies for 12 months for the HSBC Platinum Credit Card. The balance transfer must be from non-HSBC credit cards. The balance transfer 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. as at 1 May 2019 and subject to change). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts 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 HSBC credit card account to pay off other transactions such as purchases and cash advances before any balance transfer amount.

2 The 0% p.a. promotional interest rate on purchases is valid for 12 months from the date of card approval. At the end of the 12 month period, the interest rate will revert to the standard variable purchase interest rate for your account at that time. Only available to Platinum applications received between 01 May 2019 and 31 October 2019. Only available on the HSBC Platinum Credit Card. Offer is not available when transferring your account from another HSBC credit card account or in conjunction with any other HSBC credit card offer (including any credit card offers available to HSBC Home Loan customers, HSBC Staff or the HSBC Corporate Employee Program).

3 $129 Annual Fee will be charged on the account within 2 months after the first debit transaction and every 12 months thereafter. The annual fee will be refunded for customers who spend $6,000 on eligible purchases within 12 months from the date the Annual Fee is charged. Refunds will be posted automatically within 30 days of eligible spend criteria being met, if your account is current and in good state. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges any disputed transactions and government fees and charges.

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.

5 Insurance policies are issued by AWP Australia Pty Ltd Pty Ltd ABN 52 097 227 177(AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions, limits and exclusions apply and available at www.hsbc.com.au. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093.

6 home&Away Privilege Program terms and conditions apply.

7 Depending on when you make your purchases, when your statement is issued, and if you pay off the outstanding balance on your next statement of account on or before the due date. There are no interest free days for cash advances. You will not gain the benefit of the interest free period unless you pay the full balance (excluding any balance transfer, cash transfer and promotional purchases) by the due date.

8 HSBC Instant Savings terms and conditions apply. Visit hsbc.com.au/credit-cards/terms for full details.

9 Airport Lounge Passes terms and conditions apply. Visit hsbc.com.au/credit-cards/terms for full details.

10 Not available on HSBC corporate credit cards. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc. Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/km207105. For full terms and conditions, visit Apple Pay. Google Pay is currently available for Android™ devices running Android Lollipop 5.0 or above with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support to make purchases in stores and in apps. HSBC’s obligation to you in relation to the functionality of Google Pay is limited to securely supplying information to Google in order to allow the use of an HSBC Card through Google Pay. In order to use Google Pay you must agree to the HSBC with Google Pay Terms and Conditions. Android, Google Pay, and the Google Logo are trademarks of Google LLC. For full terms and conditions, visit Google Pay.