MyFinCards
HSBC RuPay Platinum Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

HSBC Bank
Rewards
Shopping
Fuel
Best For: UPI users wanting to earn rewards on daily payments, First-time credit card holders seeking a no-fee card, Frequent fuel spenders looking for surcharge savings, Online shoppers on Myntra, Swiggy and Paytm

HSBC RuPay Platinum Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

  • No joining or annual fee
  • UPI integration with reward points on UPI spends
  • Fuel surcharge waiver up to INR3,000 annually
  • International acceptance in 160+ countries via JCB network
  • Attractive welcome and first-use cashback offers
  • Merchant discounts on Swiggy Instamart, Paytm, Myntra and Cleartrip

Cons

  • Reward rate is low at 2 points per INR150 spent
  • Available only in select Indian cities
  • Minimum income requirement of INR6 lakh per year (salaried)
  • JCB network has lower international acceptance than Visa/Mastercard in some regions

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel surcharge waiver limited to transactions between INR400 and INR4,000

UPI cashback offer valid only for first-time UPI payments on the card

Welcome offers and Amazon eGift Voucher valid only for online applications with Video KYC

Key Benefits & Features

UPI integration – link credit card to HSBC SimplyPay and other UPI apps for instant payments. Earn reward points on UPI spends.

International access in 160+ countries and regions via JCB network including ATM withdrawals.

5% off on Paytm bill payments (mobile, broadband, DTH, utilities) on transactions INR299+, max discount INR150. Use code HSBCRUPAY.

Exclusive RuPay cardholder offers on shopping, dining and more.

Global discounts and experiences via JCB network.

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIED
Official Terms & Conditions

About HSBC RuPay Platinum Credit Card

The HSBC RuPay Platinum Credit Card is a no-fee card designed for everyday spending, offering a seamless blend of rewards, UPI convenience, and exclusive partner discounts. With no joining or annual fees, cardholders earn 2 Reward Points for every INR150 spent, which can be instantly converted to air miles and hotel loyalty points through the HSBC India Mobile Banking app. The card also supports UPI integration, allowing users to link it to HSBC SimplyPay or other UPI apps for quick, secure payments via QR codes, mobile numbers, or virtual payment addresses. Beyond rewards, the card delivers meaningful savings through a fuel surcharge waiver of up to INR3,000 annually and exclusive partner offers. Cardholders enjoy 12% off at Myntra every Sunday, 10% off on Swiggy Instamart orders, 5% off on Paytm bill payments, and discounts of up to INR6,000 on Cleartrip bookings. International usability is powered by the JCB network, enabling transactions across 160 countries and regions. New cardholders are welcomed with an INR500 cashback offer upon spending INR5,000 within the first 30 days, an INR250 Amazon eGift Voucher for online applicants completing Video KYC, and a complimentary two-month EazyDiner membership. This card is ideal for UPI users, first-time cardholders, online shoppers, and frequent fuel spenders seeking everyday value without annual costs.

Expert Review

Our Verdict

No-fee RuPay card with UPI integration, reward points, fuel waiver and exclusive merchant discounts.

Frequently Asked QuestionsAbout HSBC RuPay Platinum Credit Card

OTHERWhat is an HSBC RuPay credit card?
RuPay was developed to offer an affordable, secure, and local alternative to international card networks like Visa and Mastercard. It combines the words 'Rupee' and 'Payment' to show it comes from India. HSBC RuPay credit cards can be used online, in store, and at ATMs all over India. They can also be linked to a UPI ID, to enable safe and secure instant payments.
USAGEHow do I use my RuPay credit card for UPI?
To get started, add your HSBC RuPay credit card to the HSBC SimplyPay app or any third-party UPI app. In SimplyPay, open 'My account' and select 'Add account'. In a third-party app, search for HSBC Bank, select your RuPay credit card, confirm, and set a 6-digit UPI PIN. Once added, you can make payments using a QR code, mobile number, virtual payment address, or account number with IFSC code.
INTERNATIONALCan I use my HSBC RuPay credit card internationally?
Yes, you can make transactions in around 160 countries and regions worldwide through the JCB network. The card is accepted at ATMs and merchant outlets across these locations. Additionally, RuPay cardholders can access global discounts, offers and experiences enabled by the JCB network. Please note that JCB network acceptance may be lower in some regions compared to Visa or Mastercard.
ELIGIBILITYWhat are the eligibility criteria for the HSBC RuPay Platinum Credit Card?
To apply for the HSBC RuPay Platinum Credit Card, you must be aged between 18 to 65 years, have a minimum annual income of INR 6,00,000 (for salaried individuals), be an Indian resident, and reside in one of the eligible cities including Chennai, Delhi NCR, Mumbai, Bengaluru, Hyderabad, Pune, Kolkata, Gurgaon, Noida, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Amritsar, Baroda, Indore, or Lucknow.
FEESWhat are the joining and annual fees for the HSBC RuPay Platinum Credit Card?
The HSBC RuPay Platinum Credit Card comes with no joining fee and no annual fee. You can enjoy all the card's benefits, rewards, and privileges without paying any membership charges. This makes it a cost-effective choice for everyday spending and UPI-linked payments.
REWARDSHow do I earn reward points on the HSBC RuPay Platinum Credit Card?
You earn 2 reward points for every INR 150 you spend using your HSBC RuPay Platinum Credit Card. Reward points are also earned on credit card-linked UPI payments. You can instantly convert your accumulated reward points to air miles and hotel loyalty points directly through the HSBC India Mobile Banking app, making it easy to redeem your rewards.
BENEFITSWhat welcome offers are available on the HSBC RuPay Platinum Credit Card?
New cardholders can enjoy multiple welcome offers: get INR 500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR 5,000 within the first 30 days. Apply online, complete Video KYC, and receive an INR 250 Amazon eGift Voucher. Additionally, get INR 250 cashback on completing your first 2 UPI transactions of INR 250 or more each. A 2-month EazyDiner membership is also available on card activation.
BENEFITSWhat merchant discounts are available on the HSBC RuPay Platinum Credit Card?
Cardholders enjoy exclusive merchant discounts including: 10% off on Swiggy Instamart orders of INR 500 and above (max discount INR 200) using coupon code HSBCRUPAY; 5% off on Paytm bill payments of INR 299 or more (max discount INR 150) using code HSBCRUPAY; 12% off every Sunday at Myntra on spending INR 4,000 or more (max discount INR 1,000); and discounts up to INR 6,000 on flights and hotels via Cleartrip.
BENEFITSWhat is the fuel surcharge waiver on the HSBC RuPay Platinum Credit Card?
The HSBC RuPay Platinum Credit Card offers a fuel surcharge waiver that allows you to save up to INR 3,000 annually. The waiver applies to fuel transactions between INR 400 and INR 4,000, and is capped at INR 250 per month. This benefit helps reduce your everyday fuel expenses significantly over the course of a year.
APPLICATIONHow do I apply for the HSBC RuPay Platinum Credit Card online?
You can apply for the HSBC RuPay Platinum Credit Card online by visiting the HSBC India website and clicking 'Apply Now'. Complete your application form and undergo Video KYC (VKYC) to verify your identity. Applicants who successfully complete the online application and VKYC process are eligible to receive an Amazon eGift Voucher worth INR 250. You can also apply by calling HSBC or visiting your nearest branch.
DOCUMENTSWhat documents are required to apply for the HSBC RuPay Platinum Credit Card?
While specific documents required may vary, you should typically have identity proof, address proof, and income proof ready. For salaried individuals, this generally includes a PAN card, Aadhaar card, recent salary slips, and bank statements. HSBC also provides key documents including the Most Important Terms & Conditions, Service Guide, RuPay FAQ, and Credit Card Key Fact Statement on their website for your reference before applying.
REWARDSCan I earn reward points on UPI transactions made with the HSBC RuPay Platinum Credit Card?
Yes, you can earn reward points on credit card-linked UPI payments made using your HSBC RuPay Platinum Credit Card. This is one of the key advantages of linking your card to UPI apps like HSBC SimplyPay. Additionally, as a first-time UPI user, completing 2 UPI transactions of INR 250 or more earns you an INR 250 cashback, making UPI payments even more rewarding.
ELIGIBILITYIn which cities is the HSBC RuPay Platinum Credit Card available?
The HSBC RuPay Platinum Credit Card is currently available to residents of select cities in India: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, and Lucknow. If you reside outside these cities, you may not be eligible to apply for this card at this time.
USAGEHow can I convert my reward points to air miles or hotel loyalty points?
You can instantly convert your HSBC RuPay Platinum Credit Card reward points to air miles from leading airlines or hotel loyalty points directly through the HSBC India Mobile Banking app. The conversion process is seamless and can be done at any time through the app. This gives you the flexibility to use your reward points for travel and hospitality benefits without any extra cost.
BENEFITSWhat is the Amazon eGift Voucher offer and how do I claim it?
Apply online for the HSBC RuPay Platinum Credit Card, complete your Video KYC (VKYC), and get your card issued to receive an Amazon eGift Voucher worth INR 250. This offer is valid for online applications during the offer period (1 January 2026 to 31 March 2026). The eGift Voucher (WinPin code) will be sent to your registered email within 45 days after the offer period ends, i.e., by 15 May 2026. Terms and conditions apply.

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