Product Banner
Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

HSBC Platinum

HSBC Visa Platinum Credit Card is an entry-level rewards credit card designed for everyday spending, travel rewards, and lifestyle benefits. The card comes with zero joining fee and zero annual fee, reward points on all eligible spends, fuel surcharge waiver, air miles conversion, and exclusive Visa Signature privileges.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 18 to 65 years
Salaried or self-employed individual
Minimum annual income: ₹4 lakh (for salaried applicants)
Good CIBIL score (750+ preferred)
Available in select serviceable cities as per HSBC policy 

Features & Benefits

No Joining Fee & No Annual Fee
Earn 2 Reward Points for every ₹150 spent on eligible transactions
Earn up to 6X Reward Points on flights, hotels, and car rentals through Travel with Points
Convert Reward Points into Air Miles with Air India, Singapore Airlines, British Airways, and Etihad Airways
Complimentary 12-month Times Prime Membership with access to multiple partner benefits
Complimentary flight seat selection benefits on eligible MakeMyTrip bookings
15% cashback in MakeMyTrip Wallet on eligible hotel bookings in India
Fuel surcharge waiver on eligible fuel transactions
Contactless payment enabled
Emergency card replacement worldwide
Insurance cover up to ₹3 lakh against unauthorized usage before reporting card loss 

Fees & Charges

Joining Fee: No Joining Fee & No Annual Fee
Joining Fee: Nil
Annual Fee: Nil
Finance Charges: Up to 3.75% per month
Cash Withdrawal Fee: As per HSBC schedule of charges
Forex Markup: 3.5%
Late Payment Charges: As per HSBC policy
Fuel Surcharge Waiver: Up to ₹250 per statement cycle on eligible transactions 

Documents Required

PAN Card (Mandatory)
Aadhaar Card / Passport / Driving Licence
Address Proof
Income Proof (Salary Slip / Form 16 / ITR)
Bank Statements (Last 3–6 Months)
Passport-size Photograph (if required) 

FAQs

View / Toggle All

Yes, the card comes with zero joining fee and zero annual fee.

You earn 2 Reward Points for every ₹150 spent on eligible transactions.

Yes, reward points can be converted into air miles with selected airline partners.

Yes, it provides fuel surcharge waiver and fuel cashback offers on eligible transactions.

Users looking for a lifetime-free card with travel rewards, air miles conversion, and lifestyle benefits.

Terms & Conditions

Reward Points are governed by HSBC Rewards Programme terms and conditions.
Air miles conversion is available with participating airline partners.
Fuel surcharge waiver is applicable on eligible fuel transactions only.
Approval is subject to HSBC credit and risk assessment policies.
Benefits, rewards, and charges may change at HSBC's discretion. 

Apply for HSBC Platinum

Get instant approval with zero paperwork and exclusive partner rewards.

Apply Now
It's quick, secure and hassle-free
Share This Product
Card At A Glance
Joining Fee No Joining Fee & No Annual Fee
Annual Fee Free
Rewards No Joining Fee & No Annual Fee
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HSBC BANK