HSBC Platinum Visa Credit Card

With HSBC's Platinum Credit Card you can enjoy powerful credit limits, prestige services and privileges that deliver exceptional levels of personal recognition.

	Key Features:
	0% p.a. on balance transfers for 6 month (2% handling fee applies) $0 annual fee first year Earn Rewards points for every dollar you spend on purchases with our Rewards Plus program^ International Travel Insurance, Extended Warranty, Guaranteed Pricing, Purchase Protection and Transit Accident insurance at no extra cost~ Visa Platinum Privileges Visa Platinum Unique Travel Visa Platinum Personal Concierge Service Visa Platinum Golf Priority 24-hour customer service Interest rate of 19.99% p.a. on purchases. Cash advance rate of 21.99% p.a.

Terms and Conditions
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 ACL 232595. Offer available to new, approved HSBC credit card holders who apply by 31/03/2012. Fees, charges, terms & conditions apply. Visit hsbc.com.au or call 1300 734 079. HSBC's lending criteria apply. HSBC Credit Card account holders who have previously cancelled their card may be ineligible for this promotional offer.

1. To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card, or within 1 month of receiving the new card. The interest rate on the balance transfer applies for six months and is limited to the first balance transfer request per account from other store cards or non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the interest rate for cash advances. HSBC may allocate payments we receive from you to pay the total amount owing in any order we see fit, including applying any or all payments made to your HSBC credit card account, to reduce the balance(s) transferred first and then any subsequent purchases. Please allow up to 3 statement periods from the end of this promotion for the balance transfer fee to appear on your statement. Offer not available to current or previous HSBC credit card holders.
2. Subject to acceptance, the $0 annual fee applies to the first year. You will be billed an annual fee which is currently $129 for the primary Platinum credit card on the first anniversary.
3. Purchase excludes business expenses, interest free promotions, interest free merchant purchases, balance transfers and cash advances. Rewards Program terms, conditions and points capping limits apply.
4. Terms and conditions apply to insurances. Insurance policies are issued by Zurich Australian Limited ABN 13 000 296 640 AFSL 232507. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the PDS available at zurich.com.au or by calling 1800 648 093.
5. Depending on when you make your purchases, when your statement is issued, and if you pay off the total outstanding balance on your next statement of account on or before the due date. There are no interest free days on cash advances and balance transfers. You will not gain the benefit of the interest free period unless you pay the full balance (including any Balance Transfer or promotional purchases) by the due date.
6. Available at participating retailers only. Minimum purchase and conditions apply. Interest free finance is applied only to promotional transactions for the specified period. Balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the cash advance rate currently (currently 25.99%p.a.). Rates current as at 23-Dec-11. Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher.