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 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 paymentsMake 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 ControlsUse My Card Controls to help keep your spending safe with transaction limits and the ability to lock or unlock your card.
- HSBC Instant SavingsDiscover over 4,500 ways to save when you get the HSBC Instant Savings app – learn more [@cards-instant-savings-tnc]
- home&Away Privilege ProgramYour gateway to exclusive offers and privileges from our 27,000 selected partners at home and overseas[@cards-home-Away].
Why choose HSBC?
Award-winning credit cards
Our Credit Cards were part of why we were awarded the Canstar Bank of the Year for Everyday Banking 2020-2024.
Card fees and features
| 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 |
| 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
- 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 – compare our credit cards.
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. AFSL and Australian Credit Licence 232595.
Fees, charges, terms, conditions and HSBC's lending criteria apply 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. See Target Market Determinations for our products.
Available to new, approved customers who apply for the HSBC Platinum Credit Card. Offer is not available for product transfers or in conjunction with any other offer. HSBC may change or end this offer at any time.