One of the key benefits of the HSBC Credit Card Platinum is its rewards program.

The card offers cashback rewards on all purchases made, including travel, dining, shopping, and more. In addition, cardholders can earn points that can be redeemed for a variety of rewards, including gift cards, merchandise, and travel. The card also offers a range of other benefits, including travel insurance, purchase protection, and extended warranty coverage.

Another advantage of the HSBC Credit Card Platinum is its security features.

The card comes with advanced security measures, including chip technology and fraud protection, to ensure that cardholders are protected against unauthorized transactions. Additionally, the card offers zero liability protection, meaning that cardholders are not responsible for any fraudulent charges made on their account. Overall, the Hsbc Credit Card Platinum is a great option for anyone looking for a reliable, secure, and rewarding credit card.

HSBC Platinum Credit Card Overview

The HSBC Platinum Credit Card is a premium credit card designed for individuals who want to enjoy exclusive privileges and rewards. The card offers a range of benefits, including cashback, reward points, and exclusive discounts on dining, travel, and shopping.

With a low annual fee and a high credit limit, the HSBC Platinum Credit Card is an ideal choice for those who want to enjoy the benefits of a premium credit card without breaking the bank. The card also comes with a range of security features, including SMS alerts, online fraud protection, and zero liability for unauthorized transactions.

Cardholders can earn reward points on every purchase they make with the HSBC Platinum Credit Card. These reward points can be redeemed for a range of exciting gifts and merchandise, including electronics, travel vouchers, and more. The card also offers cashback on select categories, such as dining and groceries, making it an excellent choice for those who love to dine out or shop for groceries.

The HSBC Platinum Credit Card also offers exclusive discounts on travel, dining, and shopping. Cardholders can enjoy discounts at select merchants across the country, making it easier to save money while enjoying their favorite activities.

Overall, the HSBC Platinum Credit Card is an excellent choice for those who want to enjoy exclusive privileges and rewards without breaking the bank. With its low annual fee, high credit limit, and range of benefits, it is an ideal choice for anyone looking for a premium credit card that offers great value for money.

Card Features

The Hsbc Credit Card Platinum is a premium credit card that offers a range of features to its users. Here are some of the key features of the card:

• Rewards Program: The HSBC Credit Card Platinum offers a rewards program that allows users to earn points on every purchase they make with the card. These points can be redeemed for a range of rewards, including travel, shopping, and dining experiences.
• Travel Benefits: The card also offers a range of travel benefits, including travel insurance, airport lounge access, and discounts on hotel bookings and car rentals.
• Balance Transfer: Users can also transfer their existing credit card balances to the HSBC Credit Card Platinum and enjoy a low-interest rate for a fixed period of time.
• Contactless Payments: The card also supports contactless payments, allowing users to make transactions quickly and easily without the need for a PIN or signature.
• Security Features: The HSBC Credit Card Platinum also comes with a range of security features, including fraud protection and zero-liability protection, which means users are not liable for any unauthorized transactions made on their card.

Overall, the HSBC Credit Card Platinum is a great option for those looking for a premium credit card with a range of features and benefits.

Rewards Program

HSBC Credit Card Platinum offers a rewards program that allows cardholders to earn points for every dollar spent on eligible purchases. These points can be redeemed for a variety of rewards, including travel, merchandise, gift cards, and more.

Earning Points

Cardholders can earn points in the following ways:

• 1 point for every dollar spent on eligible purchases
• 2x points on dining and select entertainment purchases
• 3x points on travel purchases

There is no limit to the number of points that can be earned, and points do not expire as long as the account remains open and in good standing.

Redeeming Points

Cardholders can redeem their points for a variety of rewards, including:

• Travel: Flights, hotels, car rentals, and more
• Merchandise: Electronics, home goods, jewelry, and more
• Gift Cards: From a variety of retailers and restaurants
• Cash Back: Statement credits or direct deposit

The redemption value of points varies depending on the reward selected. Cardholders can view their points balance and redemption options online or through the HSBC mobile app.

Overall, the HSBC Credit Card Platinum rewards program provides a variety of options for cardholders to earn and redeem points.

Interest Rates and Fees

HSBC Credit Card Platinum offers competitive interest rates and fees for its cardholders. The interest rate for purchases and balance transfers is typically between 14.49% and 24.49%, depending on the creditworthiness of the applicant. The cash advance APR is 26.49%, and the penalty APR is up to 29.99% if the cardholder misses a payment or makes a late payment.

In addition to the interest rates, HSBC Credit Card Platinum has several fees that cardholders should be aware of. The annual fee for the card is $0, which is a great benefit for those looking to avoid extra costs. However, there is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater. The cash advance fee is either $10 or 5% of the amount of each cash advance, whichever is greater. Late payment and returned payment fees are up to $39 each.

It’s important to note that HSBC Credit Card Platinum offers a 0% introductory APR for the first 12 months on purchases and balance transfers. After the introductory period, the standard interest rate will apply. This is a great benefit for those looking to make a large purchase or transfer a balance from another credit card.

Overall, HSBC Credit Card Platinum offers competitive interest rates and fees for its cardholders. With a $0 annual fee and a 0% introductory APR, this card is a great option for those looking to save money on interest and fees.

Eligibility and Application Process

To be eligible for the HSBC Credit Card Platinum, applicants must be at least 21 years old and have a minimum annual income of RM36,000. Additionally, applicants must be Malaysian citizens or permanent residents.

The application process for the HSBC Credit Card Platinum is straightforward and can be completed online or in-person at an HSBC branch. Applicants will need to provide personal and financial information, including their name, address, employment details, and income.

Once the application is submitted, HSBC will review the information provided and may request additional documentation or information to verify the applicant’s eligibility and creditworthiness. If approved, the applicant will receive their new HSBC Credit Card Platinum within 7-10 business days.

It is important to note that approval for the HSBC Credit Card Platinum is subject to HSBC’s credit assessment and approval criteria. Meeting the eligibility requirements does not guarantee approval for the credit card.

Overall, the eligibility and application process for the HSBC Credit Card Platinum is straightforward and accessible to eligible applicants.

Security and Protection

HSBC Credit Card Platinum offers a range of security features and protection to ensure the safety of its customers’ finances. The following are some of the security measures provided by the card:

• Chip and PIN technology: The card comes with an embedded microchip that generates a unique code for every transaction. This technology makes it difficult for fraudsters to clone the card or steal cardholder information.
• SMS alerts: Cardholders receive SMS alerts for every transaction made with the card. This feature enables customers to monitor their account activity and detect any unauthorized transactions.
• Online security: HSBC provides online security measures, such as encryption, firewalls, and anti-virus software, to protect customer data from cyber threats.
• Zero Liability: In case of any unauthorized transactions, the cardholder is not liable for any losses incurred. HSBC Credit Card Platinum offers Zero Liability protection against fraudulent transactions.
• Emergency card replacement: In case of loss or theft of the card, HSBC provides emergency card replacement service to ensure that the customer’s finances are not affected.
• Travel insurance: The card comes with travel insurance that provides coverage for medical emergencies, trip cancellations, and other unforeseen events. This feature gives customers peace of mind when traveling.

In conclusion, HSBC Credit Card Platinum provides a range of security features and protection to ensure the safety of its customers’ finances. The card’s security measures, such as chip and PIN technology, SMS alerts, and online security, make it difficult for fraudsters to steal cardholder information. Moreover, the card’s Zero Liability protection and emergency card replacement service provide customers with financial security.

Customer Service

HSBC Credit Card Platinum offers exceptional customer service to its cardholders. Customers can reach out to the bank’s customer service team through various channels, including phone, email, and live chat. The bank’s customer service representatives are knowledgeable, professional, and efficient in handling customer queries.

One of the standout features of HSBC’s customer service is its 24/7 availability. Customers can contact the bank’s customer service team anytime, anywhere, and receive prompt assistance. The bank also offers a dedicated hotline for lost or stolen cards, ensuring that customers can quickly report any fraudulent activity on their accounts.

In addition to phone support, HSBC also provides an online chat service, allowing customers to connect with customer service representatives in real-time. This service is particularly useful for customers who prefer to communicate via text rather than voice.

HSBC Credit Card Platinum also provides an extensive FAQ section on its website, which covers a wide range of topics, including card usage, rewards, fees, and more. The FAQ section is well-organized and easy to navigate, providing customers with quick answers to their queries.

Overall, HSBC Credit Card Platinum’s customer service is top-notch, providing customers with efficient and reliable support whenever they need it.

Conclusion

HSBC Credit Card Platinum is a great choice for those looking for a credit card with a range of benefits and features. With its low annual fee, competitive interest rates, and generous rewards program, it is a solid option for anyone looking to make the most of their spending.

One of the standout features of the HSBC Credit Card Platinum is the rewards program. With points that can be redeemed for travel, merchandise, and even cash back, it offers a lot of flexibility and value to cardholders. Additionally, the card comes with a range of other benefits, including travel insurance, purchase protection, and extended warranty coverage.

Overall, the HSBC Credit Card Platinum is a great choice for anyone looking for a credit card with a range of features and benefits. While there are other cards on the market that may offer more generous rewards or lower interest rates, this card strikes a good balance between affordability and value. Whether you are looking to earn rewards or simply want a reliable credit card for everyday use, the HSBC Credit Card Platinum is definitely worth considering.

Frequently Asked Questions

What are the benefits of the HSBC Platinum Credit Card?

The HSBC Platinum Credit Card offers a range of benefits, including reward points, cashback, travel insurance, and discounts on dining and shopping.

Does the HSBC Platinum Credit Card offer lounge access?

Yes, the HSBC Platinum Credit Card offers complimentary access to airport lounges worldwide through the LoungeKey program.

What is the eligibility criteria for the HSBC Platinum Credit Card?

To be eligible for the HSBC Platinum Credit Card, the applicant must be at least 21 years old and have a minimum annual income of SGD 30,000.

What is the annual fee for the HSBC Platinum Visa Credit Card?

The annual fee for the HSBC Platinum Visa Credit Card is SGD 192.60, which is waived for the first year.

Is the HSBC Platinum Credit Card a good option?

The HSBC Platinum Credit Card is a good option for those who want to earn rewards and enjoy benefits such as lounge access, travel insurance, and discounts on dining and shopping.

Is the Platinum credit card the highest tier of credit card offered by HSBC?

No, HSBC offers a higher tier credit card called the HSBC Premier Mastercard, which is available to HSBC Premier customers and offers additional benefits such as a dedicated relationship manager and priority banking services.