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HSBC Visa Platinum Credit Card
Travel
Shopping
Lifetime Free
Rewards
1st Year Fee: ₹ 0
Travel
Up to 6X reward points on travel
Rewards
2 reward points per Rs. 150 spent
Fuel
Save Rs. 3,000 yearly on fuel
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About HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card is a lifetime-free credit card that offers value-back through reward points. The card offers up to 6X reward points on travel spends made via Travel with Points portal, along with a base reward rate of 2 reward points per Rs. 150 spent on other categories. Cardholders can redeem accumulated reward points for Airmiles at a 2:1 ratio, as well as for products, merchandise, and gift vouchers.
Despite having no joining fee, the card comes with decent welcome benefits, including an Amazon voucher worth Rs. 250, 3-month Swiggy One Membership, and 2,000 bonus reward points. In addition, cardholders can avail exclusive travel and lifestyle benefits through Visa Signature platform, such as a complimentary 12-month Times Prime subscription and cashback on travel bookings through MakeMyTrip.
Overall, this entry-level credit card is a decent option for consumers looking for an all-rounder card with benefits across rewards, travel, and lifestyle categories.
Rewards Program
Reward Earning
- 2 reward points for every Rs. 150 spent1
- 6X reward points on hotel bookings through ‘Travel with Points’ portal2
- 4X reward points on flight bookings through ‘Travel with Points’ portal2
- 2X reward points on car rental bookings through ‘Travel with Points’ portal2
Reward Redemption
- Redeem rewards against Airmiles, hotel stays, gift cards, products & items
- Convert accumulated reward points into partner airlines or hotel loyalty points as per the below details:
Other Features and Benefits
Welcome Benefits
- Amazon voucher worth Rs. 250 on completing the online credit card application and video KYC
- Free 3-month Swiggy One Membership on card activation3
- 2,000 reward points on card activation & on spending at least Rs. 5,000 within the first 30 days3
Visa Signature Benefits
- Complimentary 12-month Times Prime subscription, including free access to Discovery+, JioHotstar, Uber One, etc.
- Complimentary flight seat selections, twice a year on domestic flight bookings through MakeMyTrip4
HSBC Visa Platinum: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Fee | 100% of the Minimum Payment Due (Subject to a min. of Rs. 250 and a max. of Rs. 1,200 per month) |
Things to Know Before you apply
Consider this card if:
You are looking for a lifetime free credit card with basic benefits
You prefer to redeem accumulated reward points against partner airline or hotel loyalty points
You are looking for a card with exclusive Visa benefits around travel & lifestyle
You are seeking a card with decent welcome benefits through bonus cashback, free membership & voucher
Eligibility Criteria
Resident: Indian
Age: 18 to 65 years
Occupation: Salaried
Minimum Income: Rs. 6 Lakh per annum
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What do we like about this card?
HSBC Visa Platinum is an entry-level credit card that primarily caters to travel and lifestyle categories. The card offers up to 6X reward points on travel spends made through the Travel with Points portal. Additionally, cardholders can redeem accumulated reward points for travel bookings at a 2:1 ratio, significantly enhancing the value for frequent travellers. The card also comes with decent welcome benefits, including bonus reward points, free Amazon voucher, and complimentary Swiggy One Membership. Moreover, exclusive travel and lifestyle benefits under the Visa Signature program further enhance the overall value.
Pros
- No joining and annual fee
- Up to 6X reward points on travel spends
- 2:1 reward redemption ratio for partner airlines/hotels
- Free 3-month Swiggy One Membership
- Exclusive travel & lifestyle benefits through Visa Signature
Cons
- Low base reward rate of 0.67%
- No travel benefits, such as complimentary lounge visits
- No spending milestone benefits like bonus rewards
Frequently Asked Questions
Everything you need to know about this credit card
HSBC Visa Platinum is an entry-level credit card, ideal for individuals who are new to credit. You can earn reward points on every spend and redeem them for airmiles, vouchers, and more, as per your preferences.
HSBC does not charge any joining or annual fee from HSBC Platinum credit card users.
Yes, HSBC Visa Platinum credit card is a lifetime free credit card without any joining or annual fee.
No, HSBC Platinum credit card does not offer any complimentary airport lounge access to its users.
Credit card limit varies depending on the individual and as per their credit score, credit history, income and other related factors. So, there is no fixed credit limit that is assigned to all the cardholders.
Currently, HSBC Visa Platinum Credit Card does not offer any exclusive benefits on movie spends. However, you can earn reward points on your online as well as offline transactions.
You can redeem your accumulated reward points through the HSBC rewards catalogue for products or vouchers. Additionally, you can convert your points into air miles at a 2:1 ratio.
To apply for HSBC Visa Platinum Credit Card online, visit the official HSBC website and apply through the card’s page. Alternatively, you can visit any of the nearest bank branches and apply offline by submitting the credit card application form.
Footnotes
- Exclusions: Rent, insurance, government transactions, utilities, fuel, spends towards educational institutions, gold jewellery and wallet transactions.
- Cardholders can earn a maximum of 18,000 reward points per month on travel bookings through ‘Travel with Points’ portal.
- Applicable till 31 December 2025.
- Use promo code: VISAFREESEAT
- Use promo code: VISASIGNATURE
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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