2025 HSBC Platinum Mastercard - Earn 8x Reward Points

Min. Monthly Income

RM 3,000
Cashback

-
Annual Fee

Free

Key Features

8x on contactless
Mastercard Southeast Asia Golf Programme
5x on online, groceries and overseas

Shopping

8/10

Travel

7/10

Petrol

5/10

Groceries

8/10

Rewards

10/10

Online Spending
- 8x on contactless
- 5x on online, groceries and overseas
Entertainment
- Mastercard Southeast Asia Golf Programme
Groceries
- 5x on online, groceries and overseas
Travel
- 5x on online, groceries and overseas
Shopping
- Earn 1x Reward Points
Insurance or Health
- E-Commerce Purchase Protection

Other Features

This HSBC Credit Card is now made from 100% recycled plastic :
Turn your Reward Points to cash vouchers and gifts you love: Shopee, Grab, Rewards Redemption, Smart Priviledges
Balance Transfer Instalment (BTI): Our BTI lets you transfer your outstanding balances from other banks' credit cards to an HSBC Amanah credit card-i, which you would pay off with fixed monthly instalment. This helps you simplify your payments and save some money.
Cash Instalment Plan (CIP): Cash Instalment Plan (CIP) allows you to get cash from your available credit limit and pay at affordable monthly instalment. With Cash Instalment Plan now available via HSBC Malaysia Mobile App, you can get the cash you need in just few taps with instant approval. - Quick and easy access to cash when you need it - Flexible payment tenures of up to 60 months - Competitive management fee rate - No documents required for application The minimum amount for each Cash Instalment Plan (CIP) application to qualify for this programme is RM1,000 and the amount must be in multiples of 100.

Card Information

Annual Fee	Free
Min. Monthly Income	RM 3000
Min. age for principal holder	21
Fee for principal holder	Free
Min. age for supplementary holder	18 years old

Late payment charge	Minimum of RM10 or 1% of the outstanding balance, whichever is higher, up to a maximum of RM100.
Cash advance amount	Transactions are subject to the available cash advance limit or withdrawal limit of RM1,000.
Cash advance charge	A cash advance fee of RM50 (plus any applicable tax) is imposed for every RM1,000 transacted, subject to available cash advance limit or withdrawal limit. Quasi cash transactions are also classified as a type of cash advance. 2% cash advance fee
Cash advance interest charge	18% of the cash advance amount calculated on a daily basis

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Fees and Charges

Interest rate	15.0% p.a for Cardholders with prompt payments for 12 consecutive months.
	17.0% p.a for Cardholders with prompt payments for 10 months or more in the last 12 months.
	18.0% p.a for Cardholders who do not fall under the above categories
Annual fees	RM0 (waived for life)
Service tax	RM25 per month.

Are You Eligible For The HSBC Visa Platinum?

To apply for The HSBC Visa Platinum credit card, you need a minimum income of RM3,000 and to be at least 21 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as HSBC Amanah MPower Platinum Credit Card-i and Maybank Petronas Visa Platinum, which may match your requirements.

If you prefer to broaden your credit card search, review more HSBC credit cards and start comparing today!

*HSBC Platinum Amendment Terms and Conditions

What are the features and benefits of the HSBC Platinum card?

With HSBC Platinum credit card, you can get earn 8x Reward Points for every RM1 on contactless spending, 5x rewards points on online, groceries and overseas spending, and 1% contribution on charity spending.

What are the eligibility requirements for the HSBC Platinum Mastercardcard?

The eligibility requirements for this card is as follows;

A minimum annual income of RM 36,000 p.a. is required
Primary cardholder must be at least 21 years of age;
Supplementary cardholder must be at least 18 years old

How to apply for an HSBC Platinum credit card?

You can apply for an HSBC platinum credit card right here.

Does the HSBC platinum card have airport lounge access?

There is no lounge access for the HSBC Platinum card.

Does the HSBC platinum card include travel insurance?

Travel insurance is not included with this card.

What rewards can I get with the HSBC platinum card?

You can check the rewards catalogue right here.

Where can I find the HSBC platinum rewards catalogue?

You can check the rewards catalogue right here.

How can I redeem my HSBC platinum credit card points?

You can redeem your HSBC credit card points through this website. Or you can call this number to redeem your credit card rewards.

HSBC Platinum Credit Card Terms and Conditions & Product Disclosure Sheets

How to redeem campaign gift?

Kindly refer HERE for the clear timeline on full application and gift redemption process