HSBC
HSBC

HSBC Platinum Credit Card (0% p.a. interest on Balance Transfers for 26 months1 (1% BT fee applies2) and $0 annual fee in first year3.)

Purchase Rate
19.99% p.a.
Cash Advance Rate
21.99% p.a.
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Interest Free
Up to 55 days
Annual Fee
$129.00
Balance Transfer Rate
0% p.a. for first 26 months
  • 0% p.a. interest on Balance Transfers for 26 months1 (1% Balance Transfer Fee applies2) and $0 annual fee in First Year then $129 thereafter.3
  • Earn 2 Rewards Plus points per dollar on overseas purchases and 1 Rewards Plus point per dollar for all other eligible purchases. Rewards Plus points can be redeemed for e-gift cards from Bunnings, Coles, Woolworths, Uber and more
  • Enjoy 2 airport lounge passesevery year at over 500 airports worldwide
  • Complimentary domestic and international travel insurance
  • Other fees and chargesfees and charges This link will open in a new window apply. Available to new and approved customers.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$129.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Earn 2 Rewards Plus points per dollar on overseas purchases and 1 Rewards Plus point per dollar for all other eligible purchases. Rewards Plus points can be redeemed for e-gift cards from Bunnings, Coles, Woolworths, Uber and more
  • Enjoy 2 airport lounge passes4 every year at over 500 airports worldwide
  • Complimentary domestic and international travel insurance

Fee & Repayments

Annual Fee $129.00
Annual Fee First Year $0.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 2.00
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $18,400.00
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.

Other Charges

Duplicate Statement Fee $8.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $10.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $30.00
Overseas Emergency Card Replacement Fee $200.00
Terms & Conditions
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offer available to new, approved HSBC credit cardholders. 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. 1. To be eligible for the introductory balance transfer rate, the balance transfer request must be made when applying for the HSBC Platinum Credit Card. Your total balance transfers must not exceed 90% of your approved credit limit. The interest rate on the balance transfer applies for 26 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. and subject to change). 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 Platinum Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. 2. 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. 3. The Platinum Annual Fee will be waived in the first year from the date of approval for customers taking up the 26 months balance transfer offer only. The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Platinum credit card Annual Fee is currently $129 but is subject to change. HSBC’s Credit Card Rewards Terms and Conditions apply. Point 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. For full terms and conditions, visit Reward Program terms and conditions (PDF, 132 KB)Reward Program terms and conditions (PDF, 132 KB) This link will open in a new window. Airport Lounge Passes terms and conditions apply. For full terms and conditions, visit Airport Lounge Pass terms and conditions (PDF, 52 KB)Airport Lounge Pass terms and conditions (PDF, 52 KB) This link will open in a new window. Insurance policies are issued by AWP 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 For HSBC insurance policies, 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. 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.

* 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).

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