HSBC Advance Visa Platinum Credit Card

    HSBC Advance Visa Platinum Credit Card is a rewards credit card that has annual fee waived for life for both principal and supplementary cards. This card is suitable for online shopping, retail purchases, auto-billing, and for booking travel packages.


    • The principal as well as the supplementary cards have the annual fee waived for life
    • The cardholders can enjoy a balance transfer plan that allows them to transfer the balance accrued on other bank credit cards onto this card at lowered rates of interest
    • The card provides an auto bill payment facility which allows cardholders to charge their bills automatically to the card and not have to miss a payment date
    • The cardholders can enjoy a interest-free period of 20 days


    • The cardholder can earn 3x reward points with online purchases and bill payments, and 1x reward points with all other retail transactions
    • Cardholders get access to a range of complimentary premium privileges from Visa
    • The cardholder is automatically enrolled into the HSBC rewards programme that offers dining, shopping, and traveling perks
    • The cardholders can enjoy a range of exciting deals and discounts at more than 6,500 outlets within the country
    • The card offers a Home and Away Programme that provides a range of offers and discounts within the country as well as with purchases overseas

    Eligibility criteria

    • Minimum age of principal cardholder must be at least 21 years
    • Minimum age of supplementary cardholder must be at least 18 years
    • Applicants must earn a minimum income of RM36,000 p.a.
    • Additionally, the primary card applicants must have an HSBC Advance account too.

    Fees and charges

    Types of Fees Charges
    Annual fees – Principal card The principal card and supplementary card have an annual fee waiver.
    Minimum monthly repayment The higher amount from RM50 or 5% of the outstanding amount needs to be paid per month
    Interest-free period 20 days
    Finance charge on purchases 15% p.a to 18% p.a
    Finance charge on cash advance 18% p.a.
    Late payment charges The higher amount from either 1% of the total outstanding balance or a minimum of RM10 needs to be paid for late payments with a maximum of RM100
    Cash advance fee A minimum of RM15.90 or 5.3% of the cash withdrawn, whichever is higher
    Overseas transaction conversion fee All the transactions made overseas are converted into Malaysian Ringgit and the conversion rates will be determined by Visa International in addition to a 1.25% foreign currency conversion cost by the bank
    Sales draft retrieval copy RM21.20 per sales draft retrieval copy
    Card replacement fee RM50 per replacement
    Additional Statement Request Fee RM21.20 per additional statement
    Finance Charges on Balance Transfer Up to 18% of the amount transferred
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