• Min. Monthly Income

    ₱41,667

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱5,000

Feature Highlights
  • Use your card when you dine or shop and get 4x reward points
  • 4x points for Overseas Spending
  • Enjoy deals and privileges exclusive only to cardholders.
Travel
9/10
Dining
9/10
Gas
8/10
Shopping
8/10
Groceries
8/10

Travel

  • Get 4 Bonus Points for every ₱20.00 spend by simply charging your overseas purchases or shopping online to your HSBC Platinum Visa.
  • Free travel accident insurance of up to ₱20 million
  • Earn 1 air mile with as low as ₱25 spend

Dining

  • Get 4 Bonus Points for every ₱20.00 spend by simply charging your overseas purchases when travelling or shopping online to your HSBC Platinum Visa.
  • Earn 1 air mile with as low as ₱25 spend
  • Earn 3X rewards points when you dine in locally

Gas

  • Gas up at participating Caltex stations and get a 10% rebate on your first transaction and 3% rebate all-year round
  • Earn 1 air mile with as low as ₱25 spend

Shopping

  • Get 4 Bonus Points for every ₱20.00 spend by simply charging your overseas purchases when travelling or shopping online to your HSBC Platinum Visa.
  • Earn 1 air mile with as low as ₱25 spend
  • Earn 3X rewards points when you shop locally

Groceries

  • Earn 1 point for every ₱20.00 spend on everything else
  • Earn 1 air mile with as low as ₱25 spend

Other Features

  • Accelerated Rewards
    • No minimum spend per month is required to earn Accelerated Rewards. A maximum accumulated monthly spend of ₱60,000.00, across all qualified merchant categories shall earn accelerated points.
  • Home&Away Program
    • A privilege program offered to all HSBC credit cardholders boasting 27,000 outlets all over the world (160 countries and territories) where you can enjoy freebies and discounts.
  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants with flexible payment schemes of up to 36 months.
  • Auto Charge
    • If you worry about forgetting to pay your bills, just enroll all of your monthly subscriptions and commitments and auto charge them into your credit card.
  • HSBC Secure Pay
    • Get some peace of mind when you're shopping online with an added layer of security for your online purchases with password protection and personal message features powered by Verified by Visa and MasterCard® SecureCode™
  • Mobile Payments
    • If you immediately want to access available credit, or know the amount you owe HSBC, or even pay for your bills, all you have to do is send a single text message with mobile payments

Card Information

Annual fee ₱5,000 (FREE Annual fee for the first year.)
Min. monthly income ₱41,667 (or ₱500,000 per year)
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

15-65 years old

Fee for supplementary holder ₱2,500.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00 per card.

Sales Slip Retrieval Fee

₱275.00 per request.

Late payment charge

₱600.00 or 7.50% of outstanding amount, whichever is higher

Cash advance amount

30% of the credit limit

Cash advance charge

₱500.00 or 3% of outstanding amount, whichever is higher

Cash advance interest charge

3.75%

Cashback limit

N/A

Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Get Rewarded Easily

Getting rewards is as easy as it can be with HSBC Platinum Credit Card. Accumulate rewards exponentially--up to 4x faster as you get 4 bonus points on overseas in-store and online purchases and 3 bonus points on local dining and shopping. Enjoy your travels whether local or abroad with exclusive deals and privileges to more than 27,000 establishments in over 160 countries all year round. On top of that, you also get free travel accident insurance coverage of up to ₱20M as well as 10% fuel rebate on the first transaction and 3% on succeeding gas purchases at Caltex outlets. Indeed, this is the ultimate travel card for you.

Fees and Charges of HSBC Platinum Credit Card

Annual fee waiver on the 1st year for both principal and supplementary cardholder. Annual membership fee is ₱5,000 for principal cardholder and ₱2,500 for supplementary cardholders. monthly interest charge is 2.75% and late payment fee is 7.5% of the minimum amount due or ₱600, whichever is higher.

Are you eligible for an HSBC Platinum Credit Card?

Interested in applying? You should have at least ₱42,000 minimum monthly income and 21 years of age to become a principal cardholder. You should also have another locally-issued principal credit card for at least 12 months. For supplementary cardholders, they should be 15 years and older.

Still looking for other options? Check out these recommendations from our team: Standard Chartered Cash Rewards Credit Card and Maybank Platinum Credit Card, both cards have similar features that might interest you.

Interested with other features? We suggest to check out other HSBC credit cards, that suit your needs.