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HSBC Platinum Credit Card (0% BT for 22 months
with a 2% BT Fee + Annual fee refunded - if you spend $6000 on eligible purchases year after**)

HSBC Platinum Credit Card (0% BT for 22 months
with a 2% BT Fee + Annual fee refunded - if you spend $6000 on eligible purchases year after**)

Product Image

Purchase Rate
19.99 %
p.a.




Cash Advance Rate 21.99% p.a.
Interest Free Up to 55 days
Annual Fee$99
Balance Transfer Rate 0% p.a.for first 22 months

  • 0% p.a. balance transfer for 22 months from non-HSBC credit cards on application (reverting to the variable cash advance rate).
  • Annual fee refunded – if you spend $6000 on eligible purchases each year – a potential saving of $99 a year.**
  • Earn 1 Rewards Point on every dollar you spend on eligible purchases and choose your own rewards.
  • Insurance package available including Extended Warranty, Purchase Protection, Guaranteed Pricing, Transit Accident and International Travel Insurance. Eligibility criteria and conditions apply.
  • Visa Platinum Concierge Service.
  • Up to 55 days interest-free on purchases when you pay the full balance (including any balance transfer, promotional purchases and the 0% p.a. balance transfer offer) by the due date each month.
  • Additional cardholder fee $0.
  • Offer available to new, approved customers who apply for the HSBC Platinum Credit Card by 31 August 2017.
  • Now available with Apple Pay®. Use your compatible Apple® device to tap and pay with an eligible HSBC credit card.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Every dollar you spend on purchases earns you valuable Rewards Points
  • Points can be redeemed for a range of things including homewares, gift vouchers, travel and even financial rewards - such as making a payment towards an HSBC mortgage
Rewards Points per Dollar 1.00 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $18400 Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points 36 months
Rewards Program Partners Refer to www.hsbc.com.au/rewardsplus and www.homeandaway.hsbc.com
Rewards Bonus Points Partners Refer to www.hsbc.com.au/rewardsplus
Domestic Airlines
International Airlines
Conditions Refer to www.hsbc.com.au/rewardsplus and www.homeandaway.hsbc.com to view program terms and conditions.

Annual Fee $99 Minimum Repayment Greater of 3% or $20
Annual Fee First Year $0 Interest Charged From Purchase Date
Rewards Joining Fee $0 Late Payment Fee $30
Supplementary Card Fee $0    
Duplicate Statement Fee $8 Overseas ATM Balance Fee $0
Transaction Verification Fee $10 Overseas ATM Withdrawal Fee $0
Over Limit Fee $30 Overseas Emergency Card Replacement Fee $200

Terms & Conditions
Important information To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC Platinum Credit Card. The interest rate on the balance transfer applies for fifteen months and must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently 21.99% p.a. as at 1 June 2015 and subject to change). HSBC will allocate payments we received from you to pay off the portion of your balance which attracting the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your HSBC Platinum Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. **Annual fee of $99 annual fee usually applies, this will/could be refunded waived for new customers who applying between 5 May 2017 and 31 August 2017 and who spend $6000 on their new card within 12 months of account approval. Refunds will be posted automatically, if your account is in a good state, within 30 days of eligible spend criteria being met. Eligible purchases exclude interest free promotions, balance transfers, business expenses, cash advances, fees or charges, any disputed transactions, BPAY® and any government fee or charge. Purchase excludes business expenses, interest free promotions, interest free merchant purchases, balance transfers and cash advances. Rewards Program terms, conditions and points capping limits apply. Insurance policies are issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708)) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and Conditions, limits and exclusions available at hsbc.com.au. 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. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093. 5 Depending on when you make your purchases, when your statement is issued, and if you pay off the total outstanding balance on your next statement of account on or before the due date. There are no interest free days on cash advances and balance transfers. You will not gain the benefit of the interest free period unless you pay the full balance (including any Balance Transfer or promotional purchases) by the due date.


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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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