Name: HSBC Platinum Credit Card
Brand: HSBC Bank Ltd
Rating: 3.1 (1 reviews)

HSBC Platinum Credit Card

(

3.1 )

Beginner

Best For: Shopping

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The HSBC Visa Platinum Credit Card is designed for individuals seeking a blend of rewards and travel benefits without the burden of annual fees. Cardholders earn reward points on everyday spending, which can be converted into air miles with leading airlines such as Air India, Etihad Airways, British Airways, and Singapore Airlines. A notable feature is the fuel surcharge waiver, allowing annual savings of up to INR3,000 on fuel purchases. The card also offers zero liability for lost cards, providing insurance coverage for any misuse from 24 hours before reporting it lost, up to INR300,000. The unique selling proposition of this credit card lies in its combination of no joining or annual fees and the ability to accumulate rewards convertible into air miles, making it an ideal choice for cost-conscious travelers aiming to maximize their spending benefits.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Rewards

Reward %

0.013 Joining Fees

₹

Renewal Fees

APR

45%

Welcome Benefit

₹500 cashback on spending ₹5,000 Get an Amazon voucher worth Rs.250 by applying for the card online and completing the VKYC

Renewal Benefits

USP's:

Loan on Phone, Instant EMI

Fees & Charges

Joining & Renewal Fees

Interest & Charges

Additional Charges

Rewards

Regular Rewards on Eligible Spends

Accelrated Rewards on Eligible Spends above 4 lakhs

Exclusions

Fuel,Jewellery,Rent,Utilities,Wallets

Rewards capping

Redemption modes

Vouchers

Products

Additional Features

Lounge Benefits

Domestic : No
International : No

Insurance Benefits

None

Other Perks

Tata Cliq Upto 10% Off Once a month above 5000< max 1500
BookMyShow Offers

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

720 Ex Min

Other: Card-to-card eligibility requirements.

Pros

Lifetime free credit card with no joining or annual fees.

Reward points can be converted into air miles with leading airlines such as Air India, Etihad Airways, British Airways, and Singapore Airlines.

Fuel surcharge waiver, allowing annual savings of up to ₹3,000 on fuel purchases.

Zero liability on lost cards, with misuse coverage up to ₹3 lakh from 24 hours before reporting.

Cons

No complimentary airport lounge access or premium travel perks.

Foreign currency markup fee of 3.5%, making it costly for international transactions.

Limited accelerated rewards on specific spending categories.

Reward points have an expiration period, requiring timely redemption.

Terms and Conditions *

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Travel	2% -24%	₹4999	Spend ₹10,000 in first 30 days + download & login to HSBC app → ₹1,000 cashback, Postcard ...	₹4999	No Renewal Benefits. Avoid the ₹4,999+GST renewal fee by spending ₹8 Lakhs annually	Travel	Dedicated miles earning and comprehensive travel insurance coverage.