HSBC Visa Platinum Credit Card: Fees, Rewards & Benefits
Travel card
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A lifetime-free entry card whose appeal is uncapped 6X portal travel earning (best value ₹1/point), a ₹4 Lakh-triggered 5X accelerator and fuel perks, with a near-empty exclusion list. The ₹0.25 base point value and lack of lounge access keep everyday returns modest, but zero cost makes it low-risk.
Travel card
The Bottom Line
The HSBC Visa Platinum is built for no-fee portal traveller and high-spend milestone chaser. With no annual fee, it offers 1.67% rewards on apple (hsbc unicorn portal) (other) and 2,000 bonus points. It makes the most sense if your spending matches no-fee portal traveller and high-spend milestone chaser.
It earns a base reward rate of 0.33333333333333337% and stacks best when your spending lines up with No-fee portal traveller, High-spend milestone chaser.
Who Should Get This Card
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Best fit for
IdealThose wanting a lifetime-free card with uncapped 6X portal travel earning (₹1 best value) and Visa Signature perks at zero cost.
Spenders who cross ₹4 Lakh annually to unlock the 5X accelerator on subsequent spends up to ₹10 Lakh.
Probably not for
SkipDespite its travel positioning, the card offers no complimentary lounge access.
At ₹0.25 base point value the off-portal return is only ~0.33%.
Is It Worth It For You?
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Reward Rates
HSBC Visa Platinum offers 0.33333333333333337% basic reward rate.
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Welcome Offer
2,000 reward points on downloading and logging into the HSBC mobile app and spending a minimum of INR 5,000 within 30 days. Complimentary 3-month Swiggy One membership on card activation. Voucher worth up to INR 500 (Amazon Pay/Zomato/Swiggy) on activation with a single transaction of INR 300 or more. INR 250 Amazon eGift Card for online application completed with Video KYC.
Milestone Benefits
On crossing INR 4,00,000 in annual spends, earn 5X reward points (10 per INR 150) on subsequent purchases up to a cumulative spend of INR 10,00,000 within 12 months of card set-up.
Fees & Charges
Eligibility
- Min Income: ₹4 Lakhs
- Min Credit Score: 750
- Lifetime free card; age 18-65; min annual income Rs 4L salaried; resident of select Indian cities; 20 transfer partners at 2:1 ratio.
Exclusions & Terms
Instant EMI (IEMI) Transactions
- Reward points are not applicable on credit card Instant EMI transactions. If an EMI is cancelled or pre-closed, reward points/cashback on the transaction are not reinstated.
Frequently Asked Questions
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No annual fee. Apply on the HSBC website.
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