HSBC Visa Platinum Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns reward points

First-year fee

₹0 to join.

Annual fee

₹0 a year.

What it gives back

2 reward points per ₹150 · everyday spends

Read from 4 HSBC India documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Rewards

Reward rate
2 reward points per ₹150 · everyday spends2 reward points for every ₹150 you spend with your card.
Fuel earning
₹250 cashback on contactless fuel purchases when you spend ₹10,000 per quarter.
Travel earning
Up to 6 times the reward points on hotels, flights and car rentals through Travel with Points
Points transfer redemption
Instantly convert your reward points to air miles and hotel loyalty points in the HSBC India Mobile Banking app.
Redeeming points for travel
Reward points you can use towards flights, hotel stays and more.
Airline and hotel partners points may move to
Convert your points into air miles with Air India, Etihad Airways, British Airways and Singapore Airlines.

Card benefits

Hotel or travel programme
15% cashback added to your MakeMyTrip Wallet in 'My Cash' for hotel stays in India when you book with MakeMyTrip.
Dining programme
Save 10% on dining, activities and shopping with District by Zomato.
Movie or entertainment ticket benefit
Buy-one-get-one cinema tickets with District by Zomato.
Movies and entertainment
A complimentary 12-month Times Prime subscription, giving you free access to Spotify Premium, Uber One, Discovery+, Moneycontrol Pro, Lenskart Gold and more.

Also included

Fuel surcharge waiver
Waiver of up to ₹250 on fuel surcharges on fuel payments between ₹400 and ₹4,000 a month
Lost card liability
Insurance coverage of up to ₹3,00,000 for any misuse of your card from 24 hours before you reported it lost
Balance transfer terms
Transfer outstanding balances from other credit cards to your HSBC credit card and repay it in easy monthly installments at a lower interest rate.

Charges

Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of transaction amount (subject to a minimum amount of ₹500)
Interest on unpaid balance
3.75% per month (45% per annum), computed from the date of transaction.
Interest-free period
48 days interest-free when you pay in full.
Late payment fee
100% of the Minimum Payment Due (MPD), subject to minimum fees of ₹250 and maximum fees of ₹1,200 per month

Eligibility

Income requirement
Minimum income of ₹600,000 per year for salaried individuals or ₹12,00,000 per year for self-employed individuals
Minimum age
Be aged between 18 to 65 years old for salaried individuals, or 25 to 65 years old for self-employed individuals.

How we know - 4 documents from HSBC India, checked 19 Oct 2026

4 documents from HSBC India, checked 19 Oct 2026.

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₹0 for life

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