HSBC Platinum Card Reviews

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HSBC Platinum Card
1.3 stars
Average rating for this product is: 1.3 out of 5

From 4 ratings and 4 reviews

Thumb down 25% of users recommend this product

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
BT Standard Credit Card0.00%3 months13 months 3.00% fee3 months16.90%
MBNA Platinum Plus Visa0.00%3 months13 months 2.90% fee3 months15.90%
MBNA Platinum Rewards Visa0.00%3 months13 months 2.90% fee3 months15.90%

Average Ratings for HSBC Platinum Card

  • Customer service2.9 stars
  • Value for Money1.5 stars
  • Reviewer Ratings2.3 stars
  • Overall Rating1.3 stars

4 Reviews For HSBC Platinum Card

  • Guest 16th May 2009

    Reviewer rating: 0.5 stars


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    Good Points: None.


    Bad Points: Customer loyalty not rewarded/valued. No promotions. Inflexible and unempowered customer service. Makes errors but does not apologise, clarify, or reassure that they would not be repeated.


    General comments: 1. Customer Service is very inflexible and not the friendliest. Even with a next-to-excellent score and despite having held their HSBC Platinum credit card for 8 years with payments always made in full and on-time, they would not consider a decrease in my APR. They don't seem to do promotions (0% balance transfers, low rates on purchases etc) unlike other banks. I went overlimit once by GBP12 because payment had taken a few hours longer to hit my account than I expected. I eventually spent 30 mins on the phone trying to obtain an authorisation for the transaction at a restaurant, got quizzed as to my payment history as if I were a lousy payer, and eventually got the transaction rejected anyway. To add insult to injury, they searched my credit file that day and left a erroneous mark saying that I'd applied for a credit card (this impacted my score adversely). I wrote to complain and never received even a word of apology. TERRIBLE service.

  • Guest 1st Feb 2008

    Reviewer rating: 2.5 stars


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    The fee although I always pay for mine with Points - 1350 a year which isn't hard to wrack up.... ouch - that's £13500 a year, but then if your a business traveller that's not hard !! Wouldn't have it if I didn't make enough points per annum but having said that travel insurance for me and the family is more than £80 for a multi trip and the policies aren't as good elsewhere...

  • baz2008 11th Jan 2008

    Reviewer rating: 4 stars


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    Free Extended warranty on white goods (These cost normally 10 - 20% of the value of the goods purchase - up to 3 items can be insured per year (Not bad for a £30 fee)
    1 Point per pound (Save for vouchers or annual fee rebate)
    Interest rate 16.9%
    Travel insurance offered for £70 (You can get it cheaper elsewhere)

  • XX Rank: Major 15th Jun 2005

    Reviewer rating: 2 stars


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    My husband had an HSBC credit card for years, and he was charged 75 pounds annual fee every year. I was laughing, why anyone would anyone pay HSBC such fee while so many other credit cards offer for free. He dropped it eventually, together with the points collected.