HSBC RuPay Platinum Credit Card: Fees, Rewards & Benefits
Travel card
We may earn a commission if you apply through this link. It never affects our ratings.
A lifetime-free RuPay-on-UPI card whose value comes from uncapped 6X portal travel earning (best value ₹1/point), fuel savings and bundled Zomato/Swiggy/Cleartrip discounts. The ₹0.25 base point value and absence of lounge access keep everyday returns modest, but at zero cost it carries little downside.
Travel card
The Bottom Line
The HSBC RuPay Platinum is built for no-fee upi user and portal-savvy traveller. With no annual fee, it offers 2% rewards on hsbc travel with points (travel) and a welcome benefit worth ₹500. It makes the most sense if your spending matches no-fee upi user and portal-savvy traveller.
It earns a base reward rate of 0.33333333333333337% and stacks best when your spending lines up with No-fee UPI user, Portal-savvy traveller.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThose wanting a lifetime-free RuPay card for UPI spends and bundled Zomato/Swiggy/Cleartrip discounts at zero cost.
Users who book travel via HSBC's portal to capture the uncapped 6X at ₹1-best-value points.
Probably not for
SkipThe card includes no complimentary lounge access despite being travel-categorized.
At ₹0.25 base point value the off-portal return is only ~0.33%.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Sign in for personalized estimates based on your actual spending
Reward Rates
HSBC RuPay Platinum offers 0.33333333333333337% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
INR 500 cashback on downloading/logging into the HSBC India Mobile Banking app and spending INR 5,000 within 30 days of card issuance; INR 250 Amazon eGift Voucher on completing online application + Video KYC + card issuance; INR 250 cashback for linking the card to UPI and completing 2 transactions of INR 250+ within 30 days; 2-month EazyDiner membership on card activation.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Lifetime free card; age 18-65; min annual income Rs 6L salaried, Rs 12L self-employed; resident of India in select cities; earns 2 pts per Rs 150.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances / Cash Withdrawals
- Does not earn reward points. Cash withdrawal fee of 2.5% of the amount, minimum INR 500 per transaction.
EMI / Instant EMI (IEMI) Conversions
- Reward points are not applicable on credit card Instant EMI (IEMI) transactions.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the HSBC website.
Apply on HSBC →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category