HSBC Visa Platinum Credit Card
Verified · August 26, 2026
4.9/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on regular retail transactions)
Overview
HSBC Visa Platinum Credit Card by HSBC India provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on regular retail transactions)
- • 5X Reward Points per ₹150 (5X Reward Points on dining, grocery, and telecom spends (max 400 bonus points per month))
- • Accelerated Rewards: 5X Reward Points on dining, groceries, and telecom spends. Points never expire and are redeemable for gift vouchers and air miles.
- • Excluded Categories: Fuel, Rent, Wallet loads
Welcome Benefit
₹250 Amazon voucher on 1st transaction + 10% cashback (up to ₹2,000) on retail spends of ₹10,000 or more within first 30 days of card setup; Qualification Criteria: Spend ₹10,000 within first 30 days; Fulfillment Timeline: 45 days post criteria completion
Milestone Benefit
Spend ₹4 Lakhs (Annual): Bonus 3,000 reward points on annual retail spends exceeding ₹4,00,000; Annual Fee Waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
Redemption
- • Gift vouchers and merchandise on HSBC Rewards portal
- • Air miles conversion to InterMiles, KrisFlyer, and British Airways
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month)
- Buy 1 Get 1 Free Saturday Movies: Buy 1 Get 1 free movie ticket on BookMyShow every Saturday up to ₹250 discount. (Valid on Saturday BookMyShow bookings) [Partners: BookMyShow]
- HSBC Dining Treats: Up to 15% discount across 1,000+ top restaurants in major Indian cities. (Dining discounts across partner restaurants) [Partners: HSBC Dining Treats]
Things to Know Before you apply
HSBC Visa Platinum Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹4,00,000+ (Salaried min ₹35,000/month)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹300) |
Fee waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
HSBC Visa Platinum Credit Card issued by HSBC India is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on regular retail transactions)
- • 5X Reward Points per ₹150 (5X Reward Points on dining, grocery, and telecom spends (max 400 bonus points per month))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
4.9/5
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Best Suited for
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Cashback
Rewards
Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • ₹250 Amazon voucher on 1st transaction + 10% cashback (up to ₹2,000) on retail spends of ₹10,000 or more within first 30 days of card setup
- • Qualification Criteria: Spend ₹10,000 within first 30 days
- • Fulfillment Timeline: 45 days post criteria completion
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card setup, plus 5% cashback up to ₹1,000 on first EMI order
- • Qualification Criteria: Min ₹15,000 spend within 90 days
- • Fulfillment Timeline: 30 days post qualifying period
Reward/Cashback Rate
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on regular retail transactions)
- • 5X Reward Points per ₹150 (5X Reward Points on dining, grocery, and telecom spends (max 400 bonus points per month))
- • Accelerated Rewards: 5X Reward Points on dining, groceries, and telecom spends. Points never expire and are redeemable for gift vouchers and air miles.
- • Excluded Categories: Fuel, Rent, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on incremental spends > ₹25,000/month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet reloads
Pros
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on regular retail transactions)
- • 5X Reward Points per ₹150 (5X Reward Points on dining, grocery, and telecom spends (max 400 bonus points per month))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions