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HSBC Visa Platinum Credit Card

Product Details
Credit Card Name : 

HSBC Visa Platinum Credit Card

Bank Name :

HSBC Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.49% p.m. (41.88% p. a.)

Eligibility :

You must be aged between 18 to 65
Minimum annual income must be INR4,00,000 per annum for salaried individuals
Current city of residence should be: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune

HSBC Visa Platinum Credit Card
Pros
  • Nil joining and annual fees 

  • Introductory benefits up to INR6,350 with 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine (meal)vouchers Air miles conversion on InterMiles, British Airways, and Singapore Airlines 

  • 5-times (5X) rewards on subsequent purchases made after crossing spend amount of INR400,000 with a max 15,000 accelerated reward points in an anniversary year 

  • Up to INR3,000 annual savings on fuel surcharge 

  • Welcome offer of an Amazon voucher (worth INR500) is also provided to the new users. 

  • Additional Benefits include- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.

Cons
  • Welcome bonus can only be availed on fulfilling a minimum transaction limit in 30 days

Pros & Cons
Welcome Benefits

New credit card customers can receive welcome benefit of Amazon voucher (worth INR500) on completion of a minimum transaction of INR 5000 within 30 days of card issuance. 

Rewards System
The credit Cardholder earns 2 reward points for every purchase of 150 on the credit card. 1 RP = 1 Avois Mile Effective Cash Back rate 0.1% to 1.25%
International Forex Markup
3.50% on all international spends
Welcome Benefits and Reward System
Special Features
The HSBC Platinum Credit Card can be used at over 18 million outlets and at over 1 lakh locations in India and globally.
Eligibility Criteria

You must be aged between 18 to 65
Minimum annual income must be INR4,00,000 per annum for salaried individuals
Current city of residence should be: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune

Benefits
  • Nil joining and annual fees 

  • Introductory benefits up to INR6,350 with 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine (meal)vouchers Air miles conversion on InterMiles, British Airways and Singapore Airlines 

  • 5-times (5X) rewards on subsequent purchases made after crossing spend amount of INR400,000 with a max 15,000 accelerated reward points in an anniversary year 

  • Up to INR3,000 annual savings on fuel surcharge Welcome offer is also provided to the new users. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Visit the official HSBC India website and navigate to the credit card section. 

  • Locate the application form for the HSBC Visa Platinum Credit Card. 

  • Complete the credit card application form with accurate and up-to-date information. 

  • Double-check for any errors before submitting the application. 

  • Upload or submit scanned copies of the required documents along with your application form. 

  • Ensure that these documents are clear and legible. 

  • HSBC may contact you for further verification or documentation if necessary. 

  • Once your application is approved, you will receive an approval notification. 

  • After approval, HSBC will send the HSBC Visa Platinum Credit Card to your registered mailing address. 

  • Make sure to activate the card as per the instructions provided.

Contact Details

HSBC Personal Banking / Credit Cards
1800 267 3456 1800 121 2208

Account Opening and Procedure
HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a solid choice for beginners or budget-conscious individuals seeking a no-fee card with basic rewards and perks. It offers decent value for everyday spending, with the potential to boost earnings through annual spend milestones. However, if you're a high spender or prioritize higher reward rates, diverse redemption options, or welcome gifts, other cards might be more suitable.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee-NIL, 

  • Annual Fee-NIL 

  • Cash advance fee: 2.5% of the cash withdrawn or Rs 500. (Whichever is higher) 

  • Interest Rates: 3.49% per month (41.88% per annum) 

  • Late payment fee (Charged if minimum amount due does not reach HSBC within 3 days of payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: Rs. 50 per request

Fuel Surcharge
HSBC will waive the surcharge that is ordinarily levied on credit card fuel purchases for credit cardholders who use HSBC Credit Card on spends between `400 and `4,000 (inclusive) per transaction on fuel in any city and at any petrol pump in India
Billing Cycle

30 Days

Fees & Charges
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