A $199 annual fee and a 19.99% p.a. purchase rate as of 18 September 2026. The fee ranks 66th lowest of 100 cards tracked by BankMate. There is no sign-up bonus on offer.
$199annual fee
1.5 HSBC Rewards Plus pts per $ · 19.99% p.a. purchases · up to 55 interest-free days
Annual fee over time
Annual fee- HSBC Platinum Credit Card
Changes
No changes recorded for this product since tracking began on 10 September 2026.
Fees
- Annual fee
- $199
- First-year fee
- $0
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Late payment fee
- $30
Earning
- Rewards program
- HSBC Rewards Plus
- Base earn rate
- 1.5 HSBC Rewards Plus pts per $
Interest
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Interest-free days
- Up to 55
- Balance transfer
- 0.00% for 12 months, then 0.00%
Perks
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
- Concierge
- No
- Network
- Visa
Eligibility
- Minimum income
- $40,000 a year
- Minimum credit limit
- $6,000
- Maximum credit limit
- $500,000
About this product
Earn HSBC Rewards Plus points on your everyday spend to redeem for cashback, e-gift cards and more.