HSBC VISA Platinum Credit Card

Welcome Benefits: You can avail the following benefits on joining-

• 10% cashback up to Rs. 2,000 on making a minimum of 5 transactions that add up to Rs. 10,000 or more within the first 60 days of card issuance
• Get an Amazon voucher worth Rs. 250 on completing the online credit card application and Video KYC
• 3 complimentary airport lounge access at domestic and international lounges or 3 meal-vouchers
• Swiggy voucher worth Rs. 250

Rewards Program: Get 2 reward points on every Rs.150 spent. 5X Reward Points on subsequent purchases made after spending Rs. 4 lakh or more in a year. A maximum of 15,000 accelerated reward points can be earned in an anniversary year.

BookMyShow Offer: Book 2 movie tickets and get 1 of them free on the BookMyShow mobile app for booking movie tickets on Saturdays. The maximum price of the free ticket is Rs.250.

Shopping Benefit: Get up to 15% discount on select products at Tata CliQ on Thursdays (once in a month) across categories such as apparel, electronics & more. 10% instant discount on Thursdays (once a month).

Saving on Fuel: Avail up to Rs. 3,000 annual savings on fuel surcharge

Zero-liability for Lost Cards: In the case of lost/theft of your HSBC Visa Platinum Credit Card, you will have no liability for the transactions made once you report and register the loss of your card.

Emergency Card Replacement:  You can call Visa Global Assistance Services or HSBC Helpline numbers if you lose your credit card and request to cancel your card and replace it with an emergency card within the next 3 days.

Other benefits
Regular card benefits such as cash advance, additional credit cards, global access, online convenience, and 24×7 customer access via Phone Banking.

Suggested Read: Top 25 Credit Cards in India 2022

Title	Details
Annual Fee	Nil
Finance Charges	3.3% p.m. (39.6% p.a.) computed from the date of transaction
Add-on Fee (per annum)	Nil
Interest-Free Credit Period	Up to 45 days
Minimum Payment Due (MPD) on extended credit usage	5% of the total payment due to the statement plus greater of past due or over the limit due (if any), subject to a minimum of Rs. 100. Interest will be charged on the extended credit as per terms and conditions

Click here to know more terms and conditions regarding this credit card.

Criteria	Details
Occupation	Salaried
Minimum Income	Rs. 40,000 per month
Serviceable Cities	Click here for the list of eligible cities
Documents Required	Click here for the list of documents

If you are looking for a lifetime free credit card (which comes with no joning fee/annual fee), HSBC VISA Platinum Credit Card could be a viable option for you. This card is best suited for those who are new to credit and want to avail benefits that of an entry-level credit card.  The best part about this card is that it provides a sign-up bonus of Rs. 2,250 which is decent offer as compared to other lifetime free cards available in the market. Additionally, the ongoing offers such on Tata CLiQ, BookMyShow, etc. adds value to this card.

Credit Card	Annual Fee	Reward Points	Net Savings
HSBC VISA Platinum Credit Card	NIL	Earn 2 Reward Points for every Rs. 150 spent	Rs. 14,167* Rs. 22,833**
HDFC Moneyback Credit Card	Rs.500	Earn 2X Rewards on online spends	Rs.484* Rs.1,480**
Standard Chartered Platinum Rewards Credit Card	Rs.250	Earn 5 Reward Points for every Rs.150 spent at partner dining restaurants	Rs.8,510* Rs.9,782**
ICICI Bank Coral Contactless Credit Card	Rs.500	Earn 2 Payback Points on every Rs.100 spent	Rs.10,636* Rs.15,771**
Standard Chartered Manhattan Platinum Credit Card	Rs.999	Earn 3X Reward Points on Hotel Reservations, Dining, Utility Bills etc.	Rs.8,697* Rs.16,293**

Q.What is zero liability for a lost credit card?
Zero liability lost card means that the cardholder will not held responsible for unauthorized transactions made with cardholders account.

Q.Will I be charged if I use my card overseas?
Since your card is valid for international transactions as well, there will be no extra charges levied for the usage at points of sale. However,  charges relating to the currency conversions might apply.You will be charged a transaction fee for cash withdrawal at ATM abroad.

Q.What will be the free credit period for HSBC Visa Platinum Credit Card?
The free credit credit period for HSBC Visa Platinum Credit Card will up to 48 days. However, the free credit period is not valid if any balance of the previous month’s bill is outstanding.

Q.How long does it take to receive this card?
Once you submit your complete application form along with the other required documents, the application process will start within 2 weeks. Once you application is approved, you will receive your new credit card within the next 7 working days. You will receive timely notifications from the bank regarding your application.

Q.Are there any charges for an Add-on Credit Card?
No, when you apply for an Add-on Credit card with HSBC Visa Platinum Credit Card, you do not have to pay any charges.

Q.Can I replaced with my Amazon Voucher with the voucher of any other brand?
No, Amazon e-Gift voucher cannot be replaced, refunded or revalued. It cannot be exchanged for points or cash and cannot be re-validated.