AU

HSBC Platinum Credit Card full review: Intro interest rate!

Are you an Australian looking for a low-fee card with intro rates and a low intro annual fee? If so, read our HSBC Platinum Credit Card review to learn more!

by Victória Lourenço

Published on 03/07/2023

HSBC Platinum Credit Card: Low intro annual fee!

See how this credit card will benefit you. Source: The Mister Finance.
See how this credit card will benefit you. Source: The Mister Finance.

Are you an Australian looking to get a credit card with an attractive introductory annual fee and low ongoing interest rates? If so, read our HSBC Platinum Credit Card review!

HSBC Platinum Credit Card

How to apply for the HSBC Platinum Credit Card?

Looking for a card option with low intro rates and an annual fee? If so, read on to learn how to apply for the HSBC Platinum Credit Card!

Credit ScoreGood rating.
P.A.*0% intro p.a. on balance transfers for 12 months. Then, 21.99% p.a.;
19.99% p.a. for purchases;
21.99% p.a. for cash advances.
*Terms apply
Annual Fee*$29 for the first year. Then, $129 annually.
*Terms apply
Fees*2% intro balance transfer fee for 12 months;
Up to 55 days interest-free on purchases;
$30 late payment fee;
3% overseas exchange fee;
Either 3% or $4 for the cash advance fee.
*Terms apply
Welcome bonus*No welcome bonus besides the interest-free periods and intro annual fee.
*Terms apply
Rewards*2 Rewards Plus points per dollar you spend on qualifying international purchases;
1 Rewards Plus point per dollar for any other qualifying purchases.
*Terms apply

Combining superior convenience, excellent customer service, and great value, this card takes the market by storm!

Therefore, read our HSBC Platinum Credit Card review for our comprehensive review of this amazing product!

How does the HSBC Platinum Credit Card work?

With the HSBC Platinum Credit Card, you’ll be able to get incredible perks from Visa, complimentary insurance benefits, and much more!

Also, this card offers up to 2 points per dollar on overseas purchases and 1 point per dollar on other purchases!

In addition, you can get 0% interest on balance transfers for 12 months with a low balance transfer fee of 2%.

HSBC Platinum Credit Card benefits

This Visa credit card will be accepted everywhere. Source: The Mister Finance.
This Visa credit card will be accepted everywhere. Source: The Mister Finance.

As you know, this card offers incredible perks, such as up to 2 Rewards points on eligible purchases, an intro annual fee, and more!

Moreover, you’ll be able to get instant savings with 20% off dining and retail savings of up to 25% with a free membership!

However, this card also has some cons. So, read our list below to learn more!

Pros

  • You’ll be able to get a high minimum credit limit of $6,000;
  • There is a 55-day interest-free period on purchases;
  • You’ll be able to get a low intro annual fee of $29 for your first year with the card;
  • Earn up to 2 Rewards Plus points on eligible purchases.

Cons

  • You won’t be able to qualify for this card with a not-so-good credit score;
  • There is a 3% fee for overseas exchanges;
  • The annual fee can be relatively high after the first-year intro period.

Pre-approved credit cards for low credit score available now

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How good does your credit score need to be?

If you’re looking for a credit card with this card’s features, you’ll need to have at least a good credit score to have more qualification chances.

Moreover, you’ll need to have a high income per year and meet some other requirements. Therefore, you can check your score and finances before you start applying for this incredible card.

How to apply for the HSBC Platinum Credit Card?

This credit card has a very easy way to apply. Also, you’ll need to be able to meet the eligibility requirements before you start the application.

Moreover, you’ll be able to complete your quick application in up to 10 minutes and get a fast response!

HSBC Platinum Credit Card

How to apply for the HSBC Platinum Credit Card?

Looking for a card option with low intro rates and an annual fee? If so, read on to learn how to apply for the HSBC Platinum Credit Card!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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