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HSBC Platinum MasterCard® with Rewards Review

HSBC Platinum MasterCard® with Rewards details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
APR:
12 months
Balance Transfer Fee:
4% ($10 min. )
Annual Fee:
None
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 9.74 - 19.74
 9.74 - 19.74
 21.74
APR:
  12.99% - 22.99% Variable
 12.99% - 22.99% Variable
 24.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 12 months
 12 months
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 29.99% Variable
Default/Penalty Margin:
 26.74
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 Your APRs may increase to the Penalty APR if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 None
Late Fee:
 N/A
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
4% ($10 min. )  


Notes:

Rebate Description:
 Earn one point for every new, net dollar in credit card purchases, with no Points expiration or earnings cap. Redeem Points for 1% cash back or choose between hundreds of redemption options including popular gift cards, merchandise or flights on most major airlines.
Special Notes:
 0% Introductory APR on credit card purchases and balance transfers for 12 months from Account opening. After that, a variable APR of 12.99%, 16.99% and 22.99% will apply, based on your creditworthiness. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply to the overdraft amount, if applicable. There is no Annual Fee nor Foreign Transaction Fee. Penalty APR: 29.99% (variable); If your APRs are increased for the stated reason, the Penalty APR may apply indefinitely.
Credit Card More Information:

Card Issued By:
 HSBC Bank
General Correspondence Address:
 One HSBC Center
Card Type:
 MasterCard
Card Class:
 Platinum
Card Category:
 Balance Transfer, Cash Back, Low Intro Rate, Miles/Points, Reward
States Available In:
 CA, CT, DC, DE, FL, MD, NJ, NY, OR, PA, VA, WA
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Alexi ( Jul 25, 2013 at 5:28 am)

    The APR is ridiculous. They were not willing to work with me to lower it either.


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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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