HSBC Visa Platinum Credit Card
Best for lifetime-free starter card. 2 RP/Rs150; up to 6X via Travel with Points; transfer to air miles/hotel points
Terms as of 2026-09-27 · Checked 29 September 2026HSBC Visa Platinum Credit Card at a glance
Who it suits: Lifetime-free starter card
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2 RP/Rs150; up to 6X via Travel with Points; transfer to air miles/hotel points |
| Welcome benefit | 2,000 RP (app + Rs5,000 in 30 days), up to Rs500 voucher, Rs1,000 cashback |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | Waiver up to Rs250/month + Rs250 cashback on Rs10,000 quarterly contactless fuel |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Rs6 lakh p.a. salaried; Rs12 lakh self-employed |
| Age | Salaried 18-65; self-employed 25-65 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the HSBC Visa Platinum Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
2 RP/Rs150; up to 6X via Travel with Points; transfer to air miles/hotel points
Who is eligible?
Rs6 lakh p.a. salaried; Rs12 lakh self-employed. A CIBIL score of 750+ improves approval chances.
Is the HSBC Visa Platinum Credit Card good for me?
Best for: Lifetime-free starter card. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.hsbc.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HSBC India’s website before applying. FinancePortal is not affiliated with the issuer.