HSBC India RuPay Platinum Card
HSBC India
Annual / renewal fee
₹0 (NIL) for RuPay Platinum Card (primary and add-on).
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Earn rate
- 2 reward points for every ₹150 spent.
- Earn up to 6X reward points on hotels, flights and car rentals on Travel with Points.
- Earn 5X reward points on Apple purchases made on the HSBC Unicorn portal.
VerifiedRuPay Platinum Card product page4 Aug 2026, 6:35 AM ISTHSBC India
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
RuPay Platinum Card by HSBC India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹0 (NIL) for RuPay Platinum Primary Cardholder.
- NIL for add-on cardholder(s).
Verifiedharvested from product page4 Aug 2026, 6:35 AM ISTHSBC India
Annual / renewal fee
₹0 (NIL) for RuPay Platinum Card (primary and add-on).
Verifiedharvested from product page4 Aug 2026, 6:35 AM ISTHSBC India
Fee waiver
- No annual fee applicable on RuPay Platinum Card (NIL).
- No fee waiver condition needed as the card carries NIL joining and annual fee.
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Rewards
- 2 reward points for every ₹150 spent.
- Earn up to 6X reward points on hotels, flights and car rentals on Travel with Points.
- Earn 5X reward points on Apple purchases made on the HSBC Unicorn portal.
VerifiedRuPay Platinum Card product page4 Aug 2026, 6:35 AM IST
Reward exclusion
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Dining benefit
- Complimentary 2 months EazyDiner Prime membership on activation of the card during offer period (15 July 2025 to 31 July 2026).
- Prime benefits include guaranteed 25% to 50% discount at premium bars and restaurants (save up to ₹3,000 per meal), priority reservations, 2x EazyPoints and VIP concierge line.
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Insurance
- Lost Card Liability: NIL liability after reporting/registering loss to HSBC.
- Cover for misuse up to 24 hours before reporting and 7 days after reporting the loss of card, for up to ₹300,000.
- Insurance provided by ICICI Lombard General Insurance Company Limited.
- Available to valid primary cardholders only.
- PIN-based and counterfeit card transactions not covered.
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Eligibility
Eligibility
- Card can be used for domestic transactions.
- International transactions in 160 countries with JCB (Japan Credit Bureau) acceptance.
- Can apply for up to three additional credit cards for spouse, parents, siblings or children above 18 years.
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Charges & interest
Forex markup
3.5% currency conversion charge on foreign currency transactions.
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Charge
- Finance charge on extended credit and cash advances (incl. money transfer, foreign currency purchase, money orders, traveler cheques, debt repayments): 3.75% per month (45% per annum) from date of transaction.
- Cash advance transaction fee: 2.5% of transaction amount (min ₹500) at branches and ATMs.
- Transaction fee for cash withdrawal against bank account at overseas ATMs: ₹100.
- At non-HSBC ATMs in India: NIL.
- Currency conversion charge (foreign currency): 3.5%.
- Cash Payment Charge (at HSBC branches and drop boxes): ₹100.
- Rental and related payments: 1% processing fee plus applicable taxes.
- Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever is higher) + applicable GST.
- Charge for bounced cheque/dishonoured SI/unsuccessful NACH: ₹500.
- Late payment fee: 100% of Minimum Payment Due, min ₹250, max ₹1,200 per month.
- Balance transfer: rate of interest 10.99% p.a. to 15.99% p.a. across tenors, processing fee 1.5% subject to minimum ₹200.
- All fees charged along with applicable taxes.
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Fuel surcharge waiver
- 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹4,000 per transaction.
- Waiver capped at ₹250 per calendar month per primary card.
- Not eligible for first 90 days of card issuance.
- Reward points not awarded on surcharge-waiver transactions.
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Interest-free period
- Up to 48 days free credit, provided the outstanding as shown on the monthly statement is settled fully by the payment due date.
- Not applicable for cash advance transactions.
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Transfers
Transfer partner
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Common questions
What is the annual fee on the RuPay Platinum Card?
Officially traced: Rs. 0 (NIL) for RuPay Platinum Card (primary and add-on).
harvested from product pageWhat is the joining fee on the RuPay Platinum Card?
Officially traced: Rs. 0 (NIL) for RuPay Platinum Primary Cardholder.
harvested from product pageIs the RuPay Platinum Card annual fee ever waived?
No annual fee applicable on RuPay Platinum Card (NIL).
harvested from product pageHow does the RuPay Platinum Card earn rewards?
2 reward points for every Rs. 150 spent.
RuPay Platinum Card product pageWhat are the transfer ratios for RuPay Platinum Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the RuPay Platinum Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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