HSBC Platinum Credit Card

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and 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. Visit hsbc.com.au or call 1300 308 880. Interest rates are valid at the time of publication and are subject to change. View Terms and conditions for full details.

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

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

1. To be eligible for the introductory balance transfer interest rate, you must make the balance transfer request when applying for the HSBC Platinum credit card the balance transfer must be from non-HSBC credit cards. The total balance transfer amount must not exceed 90% of your approved credit limit. The introductory interest rate on the balance transfer applies for 12 months from the day the balance transfer was posted. After this period, any balance outstanding will accrue interest at the variable cash advance rate (currently 21.99% p.a. 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 then to portions of your balance that attract lower interest rates. This may mean applying 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. Full HSBC Balance Transfer terms and conditions apply.
2. The balance transfer fee will be calculated at 2% of the balance being transferred to your HSBC credit card account. This fee is applied at the time the balance is transferred and forms part of the total outstanding balance.
3. The annual fee is $149 and subject to change. However, it will be waived in the first year (i.e., the annual fee is $0 in the first year). The annual fee will be debited for the first time on the first statement of account following the 12-month anniversary of the first debit transaction on your account, and annually thereafter. The waiver ($0 annual fee in the first year) does not apply to existing HSBC customers transferring from another HSBC credit card.
4. HSBC Rewards Plus points are earned in accordance with and are subject to HSBC's Credit Card Rewards Plus Program Terms and Conditions. HSBC Rewards Plus points will no longer accrue when the total value of your eligible purchases reaches $120,000 in each 12-month period starting from your account opening date. HSBC Rewards Plus points previously earned are subsequently deducted if there are refunds, reimbursements or chargebacks on your account. No points are earned on interest-free and other special promotions, balance transfers, business expenses, cash transfers, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge.
   
5. HSBC Instant Savings terms and conditions apply. Click here for full details.
6. Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued a group policy to HSBC Bank Australia Limited ABN 48 006 434 162 AFSL and Australian Credit Licence 232595 (HSBC), which allows eligible HSBC account holders and cardholders to claim under the group policy as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at HSBC Credit Card Terms and Conditions which may be amended from time to time. Consider its appropriateness to these factors before acting on it You can contact AGA on 1800 648 093. 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.
7. Up to 55 days interest free on purchases will depend 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 only receive the benefit of an interest free period on purchases if you pay your full closing balance (excluding any balance transfer, cash transfer and promotional purchases) by the due date.
   
8. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC Corporate Cards.
9. Terms and conditions apply for Airport Lounge Passes.
10. Terms and conditions apply for the home&Away Privilege Program.
11. If during the period of your cover, you (and your spouse/dependents, if they're eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19) cover may be available under selected International Travel Insurance benefits. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Information Booklet available at HSBC Credit Card Terms and Conditions.