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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**)

Purchase Rate
19.99 %
p.a.




Cash Advance Rate 21.99% p.a.
Interest Free Up to 55 days
Annual Fee$129
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) with a 2% Balance Transfer Fee.
  • 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 30 June 2018.
  • 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 $129 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

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Important information To be eligible for the introductory balance transfer rate, the balance transfer request must be made when applying for the HSBC Platinum Credit Card. The interest rate on the balance transfer applies for 22 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 current at that time. HSBC will allocate payments received from you to pay off the portion of your balance 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. **$129 Annual Fee applies, this will be refunded for customers applying between 1 Nov 2017 and 30 Jun 2018 who spend $6,000 on eligible purchases with card within 12 months of account approval. Refunds will be credited back to the account automatically within 30 days of eligible spend criteria being met, if your account is current and in good state. Eligible purchases exclude interest free promotions, balance transfers, cash transfer, business expenses, cash advances, fees or charges, any disputed transactions, and any government fee or charge. The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee will be applied at the time the balance is transferred and forms part of your total outstanding balance. 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. Reward Program terms, conditions and points capping limit of 10,000 points per statement period apply. Eligible purchases exclude interest free promotions, balance transfers, cash transfer, business expenses, cash advances, fees or charges, any disputed transactions, BPAY® and any government fee or charge. 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 apply and available at www.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.


* 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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