HSBC Platinum

Product Overview

HSBC Visa Platinum Credit Card is an entry-level rewards credit card designed for everyday spending, travel rewards, and lifestyle benefits. The card comes with zero joining fee and zero annual fee, reward points on all eligible spends, fuel surcharge waiver, air miles conversion, and exclusive Visa Signature privileges.

Eligibility Criteria

✔️ Applicant must be an Indian resident

✔️ Age: 18 to 65 years

✔️ Salaried or self-employed individual

✔️ Minimum annual income: ₹4 lakh (for salaried applicants)

✔️ Good CIBIL score (750+ preferred)

✔️ Available in select serviceable cities as per HSBC policy

Features and Benefits

✔️ No Joining Fee & No Annual Fee

✔️ Earn 2 Reward Points for every ₹150 spent on eligible transactions

✔️ Earn up to 6X Reward Points on flights, hotels, and car rentals through Travel with Points

✔️ Convert Reward Points into Air Miles with Air India, Singapore Airlines, British Airways, and Etihad Airways

✔️ Complimentary 12-month Times Prime Membership with access to multiple partner benefits

✔️ Complimentary flight seat selection benefits on eligible MakeMyTrip bookings

✔️ 15% cashback in MakeMyTrip Wallet on eligible hotel bookings in India

✔️ Fuel surcharge waiver on eligible fuel transactions

✔️ Contactless payment enabled

✔️ Emergency card replacement worldwide

✔️ Insurance cover up to ₹3 lakh against unauthorized usage before reporting card loss

Fees & Charges

✔️ Joining Fee: Nil

✔️ Annual Fee: Nil

✔️ Finance Charges: Up to 3.75% per month

✔️ Cash Withdrawal Fee: As per HSBC schedule of charges

✔️ Forex Markup: 3.5%

✔️ Late Payment Charges: As per HSBC policy

✔️ Fuel Surcharge Waiver: Up to ₹250 per statement cycle on eligible transactions

Documents Required

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / Form 16 / ITR)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. Is HSBC Visa Platinum Credit Card lifetime free?
Ans. Yes, the card comes with zero joining fee and zero annual fee.

Q2. What reward rate does the card offer?
Ans. You earn 2 Reward Points for every ₹150 spent on eligible transactions.

Q3. Can reward points be converted into air miles?
Ans. Yes, reward points can be converted into air miles with selected airline partners.

Q4. Does the card offer fuel benefits?
Ans. Yes, it provides fuel surcharge waiver and fuel cashback offers on eligible transactions.

Q5. Who should apply for this card?
Ans. Users looking for a lifetime-free card with travel rewards, air miles conversion, and lifestyle benefits.

Terms & Conditions

✔️ Reward Points are governed by HSBC Rewards Programme terms and conditions.

✔️ Air miles conversion is available with participating airline partners.

✔️ Fuel surcharge waiver is applicable on eligible fuel transactions only.

✔️ Approval is subject to HSBC credit and risk assessment policies.

✔️ Benefits, rewards, and charges may change at HSBC's discretion.