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HSBC Platinum Credit Card

Earn great rewards on your everyday spend, including cashback, e-gift cards, travel perks and more

Maximise your points – every day of the year

The HSBC Platinum Credit Card is your key to unlock fantastic rewards and privileges. 

  • Earn 1.5 Rewards Plus points for every $1 you spend on eligible purchases[@cards-rewards-plus-points]
  • Get 0% pa interest on balance transfers for 12 months[@cards-balance-transfer-offer] (2% balance transfer fee applies)[@cards-2-percent-balance-transfer-fee]
  • Share the benefits with those close to you, with no additional cardholder fees[@additional-cardholder]

Rates and fees

 Annual fee$0 in the first year ($149 afterwards)[@cards-platinum-annual-fee] 

Interest-free period on purchasesUp to 55 days[@cards-up-to-55-days]

Interest rate for purchases 19.99% p.a. 

What you get with an HSBC Platinum Credit Card

Everyday value

Earn Rewards Plus points from your daily spend and access special offers

Travel perks

Access complimentary insurance and travel savings[@cards-complimentary-insurance]

Easy to use

Make digital payments and manage your account through the HSBC Australia Mobile Banking app.

Everyday rewards and benefits

  • Earn 1.5 Rewards Plus points for every $1 spent on eligible purchases, up to $120,000 spent per year[@cards-rewards-plus-points]

  • Redeem your points for cashback or gift cards
  • Treat yourself today with Visa's outstanding offers and perks on flights, food, fashion, and more

Travel perks

  • Travel in style with 2 airport lounge passes every year[@credit-cards-airport-lounge-passes]
  • Access Domestic and International Travel Insurances with Rental Vehicle Excess Insurance in Australia, Transit Accident Insurance, Extended Warranty Insurance, and Purchase Protection Insurance[@cards-complimentary-insurance]

Get even more from your credit card

  • Mobile payments
    Make fast and secure contactless payments with your phone anywhere that accepts Apple Pay or Google Pay – online and at participating retail stores[@cards-mobile-payments].
  • My Card Controls
    Use My Card Controls to help keep your spending safe with transaction limits and the ability to lock or unlock your card.
  • HSBC Instant Savings
    Discover over 4,500 ways to save when you get the HSBC Instant Savings app – learn more [@cards-instant-savings-tnc]
  • home&Away Privilege Program
    Your gateway to exclusive offers and privileges from our 27,000 selected partners at home and overseas[@cards-home-Away].

Card fees and features

Find out the fees and features for the HSBC Platinum Credit Card to help choose the right card for you.
Fees and charges Details
Interest rate for purchases

19.99% per year

Interest-free period on purchases[@cards-up-to-55-days] Up to 55 days
Interest rate for cash advances

21.99% per year

Annual fee[@cards-platinum-annual-fee] $149 ($0 in the first year)
Balance transfer rate (introductory) on application[@cards-balance-transfer-offer] 0% per annum for 12 months
Balance transfer fee[@cards-2-percent-balance-transfer-fee] 2% of the balance transferred
Cash advance fee 3% or $4, whichever is higher
Overseas transaction fee 3%
Additional cardholder fee (cardholder must be over 16 years old)[@additional-cardholder] $0
Minimum income requirement $40,000 per year
Minimum credit limit $6,000 per year
Late payment fee $30
Find out the fees and features for the HSBC Platinum Credit Card to help choose the right card for you.
Fees and charges Interest rate for purchases
Details

19.99% per year

Fees and charges Interest-free period on purchases[@cards-up-to-55-days]
Details Up to 55 days
Fees and charges Interest rate for cash advances
Details

21.99% per year

Fees and charges Annual fee[@cards-platinum-annual-fee]
Details $149 ($0 in the first year)
Fees and charges Balance transfer rate (introductory) on application[@cards-balance-transfer-offer]
Details 0% per annum for 12 months
Fees and charges Balance transfer fee[@cards-2-percent-balance-transfer-fee]
Details 2% of the balance transferred
Fees and charges Cash advance fee
Details 3% or $4, whichever is higher
Fees and charges Overseas transaction fee
Details 3%
Fees and charges Additional cardholder fee (cardholder must be over 16 years old)[@additional-cardholder]
Details $0
Fees and charges Minimum income requirement
Details $40,000 per year
Fees and charges Minimum credit limit
Details $6,000 per year
Fees and charges Late payment fee
Details $30

What you need to know

Card tradeoffs

Compared to the HSBC Low Rate Credit Card, the HSBC Platinum Credit Card has a:

  • Higher annual fee and purchase interest rate
  • Shorter introductory 0% pa interest balance transfer period
  • Higher overseas transaction fee

Compare our credit cards

You can find out more about our credit cards and compare them with the HSBC Platinum Credit Card here.

Are you eligible?

To be eligible for an HSBC Platinum credit card, you must:

  • Be over 18
  • Be an Australian citizen, permanent resident, or hold a long-term visa
  • Earn at least $40,000 a year
  • Have a good credit rating

You'll need to provide some identification and proof of address, income and employment to apply.

Ready to get started?

New to HSBC

If you've never banked with us before, you can apply online for an HSBC Platinum Credit Card. We recommend using the latest version of Chrome or Safari to do so. It takes 10 minutes and you'll get an instant response. 

Existing HSBC customer

You can apply quickly via online banking or the HSBC Mobile Banking app. It takes 10 minutes and you'll get an instant response.

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Important information

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595.

Offer available when you apply for a new HSBC Platinum Credit Card. Offer is not available on product transfers or in conjunction with any other offer. HSBC may change or end this offer at any time.

Fees, charges, terms, conditions and HSBC's lending criteria applies to all credit cards issued by HSBC. Go to www.hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. See terms and conditions for more information.

This website is designed for use in Australia. The products and services represented within this website are intended for Australian Residents.