HSBC Amanah MPower Platinum Credit Card-i
HSBC consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM8,500.00
- Minimum annual income
- RM102,000.00
- Qualifying spend
- RM2,000 monthly spend for 8%
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM240.00
- Fee waiver
- First year free; RM6000 annual retail spend for recurring waiver, cards applied from 1 Sep2025
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- At >=2000 monthly eligible spend: petrol8% cap15; groceries/wallet0.2%base+7.8%bonus capped15 bonus. Below2000: petrol1%, groceries/wallet0.2base+0.8bonus.
- RM15 is BONUS cap; groceries/wallet base0.2% remains uncapped (RM800 groceries earns RM16.60 at top tier).
- Selected grocers Giant/Lotus/AEON Big/Mydin; reloads GrabPay/TNG/FavePay. SamsungPay petrol/groceries enter wallet category, no double count.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Petrol (any petrol station in Malaysia) | 8% | RM2,000.00+ | RM15.00 |
| Groceries (Giant, Lotus's, AEON BIG, and Mydin) | 8% | RM2,000.00+ | RM15.00 |
| eWallets (SamsungPay, GrabPay, Touch 'n Go, and FavePay) | 8% | RM2,000.00+ | RM15.00 |
| Petrol (any petrol station in Malaysia) | 1% | RM0.00–RM1,999.00 | RM15.00 |
| Groceries (Giant, Lotus's, AEON BIG, and Mydin) | 1% | RM0.00–RM1,999.00 | RM15.00 |
| eWallets (SamsungPay, GrabPay, Touch 'n Go, and FavePay) | 1% | RM0.00–RM1,999.00 | RM15.00 |
| All Local and Overseas Retail Spends | 0.2% | RM0.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.