MyFinCards
HSBC Visa Platinum Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

HSBC Bank
Rewards
Travel
Lifestyle
Fuel
Best For: Everyday spenders seeking reward points, Frequent travelers wanting air miles conversion, Fuel spenders looking for cashback and surcharge waivers, Lifestyle enthusiasts wanting premium memberships at no annual fee

HSBC Visa Platinum Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

  • No joining or annual fee
  • Air miles conversion with multiple airlines
  • Fuel cashback and surcharge waiver
  • Complimentary Visa Signature lifestyle perks including Times Prime subscription
  • Up to 6x reward points on travel bookings via Travel with Points
  • Zero liability insurance up to INR3,00,000

Cons

  • Fuel cashback capped at INR250 per quarter
  • Fuel surcharge waiver capped at INR250 per month
  • Visa Signature benefits subject to change per Visa T&Cs
  • Availability limited to select cities

Hidden Catches (Transparency Policy)

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

Fuel cashback only on contactless (tap and pay) transactions with physical card

MakeMyTrip hotel cashback added to wallet, not directly to card

Bicester Collection benefits require in-person registration at the Village

Times Prime and travel seat benefits are Visa Signature perks subject to Visa T&Cs and may change

Key Benefits & Features

Emergency card replacement anywhere in the world if card is lost at home or abroad

Air miles conversion with Air India, Etihad Airways, British Airways and Singapore Airlines

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIED

Notable Exclusions

Fuel cashback of INR250 only applicable on contactless spends up to INR10,000 per quarterFuel surcharge waiver only on transactions between INR400 and INR4,000

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a no-fee rewards card designed for everyday spenders who want maximum value across travel, lifestyle, and fuel expenses. With zero joining and annual fees, cardholders can enjoy a rich set of benefits without any upfront cost. As a welcome gift, new cardholders can earn 2,000 reward points by downloading the HSBC India Mobile Banking app and spending INR5,000 within the first 30 days, plus receive a complimentary 3-month Swiggy One membership upon card activation. The card rewards everyday spending with 2 reward points for every INR150 spent, and up to 6 times the points on hotels, flights, and car rentals booked through Travel with Points. Points can be instantly converted into air miles with Air India, Etihad Airways, British Airways, and Singapore Airlines. Fuel spenders benefit from a surcharge waiver on transactions between INR400 and INR4,000 per month, plus INR250 cashback per quarter on contactless fuel payments. As a Visa Signature card, it also unlocks exclusive lifestyle perks, including a complimentary 12-month Times Prime subscription, complimentary flight seat selections on domestic MakeMyTrip bookings, 15% cashback on hotel stays via MakeMyTrip, and access to eVIP privileges at The Bicester Collection Villages. Additional protections include zero liability coverage up to INR3,00,000 for lost card misuse and emergency card replacement worldwide.

Expert Review

Our Verdict

Zero-fee Platinum card with reward points, fuel cashback, air miles conversion & Visa Signature perks.

Frequently Asked QuestionsAbout HSBC Visa Platinum Credit Card

ELIGIBILITYWhat are the eligibility criteria for the HSBC Visa Platinum Credit Card?
To apply for the HSBC Visa Platinum Credit Card, you must be between 18 to 65 years old, have a minimum annual income of INR 6,00,000 (for salaried individuals), and be an Indian resident. Additionally, you must reside in one of the select cities where the card is available, including Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Jaipur, Chandigarh, Kochi, Coimbatore, Gurgaon, Noida, Amritsar, Baroda, Indore, Lucknow, and Ahmedabad.
FEESWhat are the joining and annual fees for the HSBC Visa Platinum Credit Card?
The HSBC Visa Platinum Credit Card comes with zero joining fee and zero annual fee. You can enjoy all the card's benefits, rewards, and exclusive privileges without paying any upfront or recurring membership charges. This makes it a cost-effective option for customers looking for a feature-rich credit card with no additional fee burden.
REWARDSHow can I earn reward points with the HSBC Visa Platinum Credit Card?
You earn 2 reward points for every INR 150 spent on everyday transactions using your HSBC Visa Platinum Credit Card. For travel bookings such as hotels, flights, and car rentals made through the Travel with Points platform, you can earn up to 6 times the reward points. Additionally, as a welcome benefit, you can earn 2,000 reward points by downloading and logging into the HSBC India Mobile Banking app and spending at least INR 5,000 within the first 30 days of card issuance.
REWARDSWhich airlines can I convert my reward points to air miles with?
With the HSBC Visa Platinum Credit Card, you can instantly convert your reward points into air miles with four major airlines: Air India, Etihad Airways, British Airways, and Singapore Airlines. You can also convert your points to hotel loyalty points. These conversions can be done conveniently through the HSBC India Mobile Banking app, making it easy to redeem your points for flights and travel rewards.
BENEFITSWhat fuel benefits does the HSBC Visa Platinum Credit Card offer?
The HSBC Visa Platinum Credit Card offers two fuel-related benefits. First, you get INR 250 cashback per quarter when you pay for fuel contactlessly using your physical card, applicable on contactless fuel spends of up to INR 10,000 per quarter. Second, you receive a waiver of up to INR 250 per month on fuel surcharges for fuel payments between INR 400 and INR 4,000. Please note the cashback is capped at INR 250 per quarter and the surcharge waiver is capped at INR 250 per month.
BENEFITSWhat Visa Signature perks are included with the HSBC Visa Platinum Credit Card?
As an HSBC Visa Platinum Credit Card holder, you get access to exclusive Visa Signature benefits including: a complimentary 12-month Times Prime subscription (which includes Discovery+, JioHotstar, Uber One, and more); complimentary flight seat selections twice a year on domestic flights booked via MakeMyTrip (use promo code VISAFREESEAT); 15% cashback to your MakeMyTrip Wallet for hotel stays in India (use promo code VISASIGNATURE); and exclusive eVIP pass discounts and sale event access at The Bicester Collection Villages. These benefits are subject to Visa's terms and conditions.
BENEFITSWhat welcome gifts do I get when I apply for the HSBC Visa Platinum Credit Card?
New HSBC Visa Platinum Credit Card holders can enjoy multiple welcome gifts: 2,000 reward points when you download and log on to the HSBC India Mobile Banking app and spend at least INR 5,000 within the first 30 days; a complimentary 3-month Swiggy One membership upon card activation; and an INR 250 Amazon eGift Card when you apply online, complete Video KYC (VKYC), and receive your credit card. The Amazon eGift Card offer is valid for online applications during the specified offer period. Terms and conditions apply.
BENEFITSHow does the zero liability insurance work for the HSBC Visa Platinum Credit Card?
The HSBC Visa Platinum Credit Card provides zero liability insurance coverage of up to INR 3,00,000 for any unauthorized or fraudulent use of your card. This coverage applies from 24 hours before you reported your card as lost. This means if someone misuses your card in the 24-hour period leading up to when you report it missing, you are still protected up to INR 3,00,000, giving you peace of mind against card theft or loss.
APPLICATIONHow do I apply for the HSBC Visa Platinum Credit Card?
You can apply for the HSBC Visa Platinum Credit Card online through HSBC's official website. The online application process includes completing a Video KYC (VKYC) for identity verification, which also makes you eligible for the INR 250 Amazon eGift Card welcome offer. Alternatively, you can contact HSBC by calling them or visiting your nearest HSBC branch. The bank recommends applying online as it is typically the quickest method. Card issuance is subject to HSBC's internal approval norms.
USAGECan I transfer balances from other credit cards to my HSBC Visa Platinum Credit Card?
Yes, the HSBC Visa Platinum Credit Card offers a balance transfer facility. You can transfer outstanding balances from other credit cards to your HSBC Visa Platinum Credit Card and repay the amount in easy monthly installments (EMIs) at a lower interest rate. This can help you consolidate your debt and manage repayments more conveniently. For specific interest rates and terms applicable to balance transfers, it is recommended to contact HSBC directly or refer to the card's Most Important Terms and Conditions document.
ELIGIBILITYIn which cities is the HSBC Visa Platinum Credit Card available?
The HSBC Visa Platinum Credit Card is currently available to residents of select cities in India, including Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Gurgaon, Noida, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Amritsar, Baroda, Indore, and Lucknow. If you do not reside in one of these cities, you may not be eligible to apply for this card at this time. HSBC may expand availability in the future.
USAGEWhat should I do if I lose my HSBC Visa Platinum Credit Card?
If you lose your HSBC Visa Platinum Credit Card, you should report it to HSBC immediately to minimize any risk of unauthorized use. The card comes with zero liability insurance of up to INR 3,00,000 for misuse occurring up to 24 hours before you report the loss. HSBC also offers an emergency card replacement service — if you lose your card at home or abroad, you can cancel it and HSBC will issue an emergency replacement card anywhere in the world.
ELIGIBILITYIs there a minimum income requirement to apply for the HSBC Visa Platinum Credit Card?
Yes, salaried individuals must have a minimum annual income of INR 6,00,000 to be eligible for the HSBC Visa Platinum Credit Card. This requirement ensures that applicants have sufficient income to manage credit card repayments responsibly. For self-employed individuals or those with other income sources, it is recommended to contact HSBC directly or visit a branch to understand the applicable income criteria and documentation requirements.
USAGEHow can I redeem my reward points using the HSBC India Mobile Banking app?
You can redeem your HSBC Visa Platinum Credit Card reward points conveniently through the HSBC India Mobile Banking app. The app allows you to instantly convert reward points into air miles with partner airlines (Air India, Etihad Airways, British Airways, and Singapore Airlines) or into hotel loyalty points. You can also earn up to 6x reward points on travel bookings such as hotels, flights, and car rentals through the Travel with Points platform accessible via the app. Download the HSBC India Mobile Banking app to get started.
USAGEDoes the HSBC Visa Platinum Credit Card offer any cash advance facility?
Yes, the HSBC Visa Platinum Credit Card provides a cash advance facility, allowing you to withdraw cash when needed. Additionally, the card offers a Cash on EMI option, where you can borrow cash and repay it in easy monthly installments at a low interest rate. The card also provides global access to your accounts and 24/7 online account management. For specific interest rates and charges applicable to cash advances, please refer to the Credit Card Key Fact Statement or contact HSBC directly.

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