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Visa Platinum® Credit Card

"Friendly service and always ready to help"

- Brian


A card that allows you to purchase goods and services with borrowed funds on credit


Visa Platinum card image

Why get an HFS Visa Platinum® Credit Card?

Enjoy the convenience of making purchases with a credit card and earn rewards as you spend too! Our HFS Visa Platinum® Credit Card is also a great way to build or get started with credit. Explore all the features


Low variable rate[1]


No annual or foreign transaction fees


Credit limits from $500 to $50,000


Contactless Pay Technology with the option to also insert or swipe your card


Earn 1 CURewards® point per $1 spent and redeem for cash back, gift cards, merchandise or travel


24/7 access to card controls through HFS Online Banking and the Mobile App

Introductory Offer


Take advantage of our limited time 1.99% Introductory APR for 12 months on balance transfers made in the first 90 days of account opening. After the intro period ends, interest rates will be the standard rate at the time.*

Simply call the number on the back of your new card to transfer a balance!

*Offer valid for new cardholders. Any existing balances on HFS FCU loan or credit card accounts are ineligible.

Lost or Stolen HFS Visa Platinum® Credit Card


For 24 hour Customer Service, to change a PIN, or to report a lost or stolen Visa Platinum® Credit Card, please contact:
Toll Free (866) 604-8153
International (727) 299-2449
Change PIN (888) 886-0083


I applied for a credit card through HFS FCU. They answered all my questions, kept good communication, and made the loan process quick and easy! After everything was processed and reviewed, I received my credit card within two days!

— Sina

Additional info


Additional Benefits of your HFS Visa Platinum® Credit Card

  • Auto Rental Collision Damage Waiver Program
  • $500,000 in Travel Accident Insurance
  • Travel and Emergency Assistance Services
  • Roadside Dispatch®
  • ID Navigator Powered by NortonLifeLock

For complete details, review the Visa Platinum® Benefits Guide


Additional Resources:

Frequently Asked Questions

  • You may contact the Credit Union to provide the decline reason. Common reasons include improper card number, expiration date or security code. Be sure to check these, especially with online purchases.

  • For 24-hour Customer Service, to change a PIN, or to report a lost or stolen Visa Platinum® Credit Card, please contact:

    • Toll Free: (866) 604-8153
    • International: (727) 299-2449
  • The minimum and maximum amount a member may apply for is $500 and $50,000 respectively.

  • Credit Cards can be printed and issued in-branch so you may receive your card on the same day.

  • Cardholders immediately begin accruing points on their purchases. To view your rewards account and redeem for cash back, gift cards or merchandise, register at

  • Yes. Please note that during the loan review process, we will need to verify your contact information for discrepancies. To make this process as efficient as possible, please update your information on Online Banking, visit any branch, or call 930-1400 before submitting your application.

  • As soon as you discover a transaction that was not made by you, please call the number on the back of your Visa Platinum® Credit Card:

    • Toll Free: (866) 604-8153
    • International: (727) 299-2449

    You can also visit us at one of our branches or send us a secure message through Online Banking.

  • A Contactless card payment utilizes a Radio Frequency (RF) technology, allowing cardholders to “wave” their Contactless card over a Contactless-enabled point-of-sale (POS) terminal. The embedded antenna transmits the payment info to the Contactless-enabled terminal using a one-time use code with each transaction. These new features allow for a secure, fast, and easy transaction process.

  • Every Contactless card payment transaction includes a one-time use, dynamic data for the transaction. This same data cannot be used for other transactions. In addition, each Contactless device must have its own unique secret key and this key is never transmitted.

    • Verify that there is a Contactless symbol on the transaction terminal.
    • Tap or hold your Visa card within 3 inches or so to a transaction terminal.
  • Your new card also includes an embedded microchip and magnetic stripe, so that if you find your favorite stores have not updated their transaction terminals, you can use your new card in the same way that you had used a standard card.

Spend wisely. Earn splendidly!


When you use your HFS Visa Platinum® Credit Card on everyday purchases you’ll earn 1 CURewards® point per dollar to use towards travel, hotel stays, merchandise, gift cards, or even cash back! Create an account to access and redeem your points today!

  • If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 808-930-1400.

    1APR= Annual Percentage Rate. Rate is 14.00% APR as of October 1, 2023. The stated rate of 14.00% APR is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 5.50%. The APR may be adjusted quarterly on the first day of January, April, July and October with a maximum rate of 18%. The index value is determined as of 10 days before the date of any annual percentage rate adjustment. The current index value is 8.50% as of 10/01/2023.

    All Credit Cards are subject to credit approval.

    Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.

    Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.