You'll need to show identification, proof of your current address, and income and employment details.
Features and benefits
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0% p.a. interest on balance transfers for 12 months3 (when requested at card application) with a 2% balance transfer fee4
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$0 annual fee in the first year ($149 thereafter)2
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Rewards Plus program - earn 1.5 Rewards Plus points for every $1 spent on eligible purchases, up to $120,000 annually1
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Rewards Plus Points can be redeemed for a variety of e-gift cards from Bunnings, Coles, Woolworths, Amazon, JB Hi-Fi, Uber and more. Find more offer details
Applying is easy
Card tradeoffs
Compared to the HSBC Low Rate Credit Card, the HSBC Platinum Credit Card has a:
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Higher annual fee and purchase interest rate
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Higher overseas transaction fee
You can find out more about our credit cards and compare them with the HSBC Platinum Credit Card – compare our credit cards.
Apply today
The rewards never stop with the HSBC Platinum Credit Card.
Important information
View Key Fact Sheet
View Credit Card Terms
Terms and Conditions
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 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 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. View Terms and conditions for full details
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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.
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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.
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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 and 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 has 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.
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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.