HSBC India Visa Platinum Card
HSBC India
Annual / renewal fee
- Nil (₹0) - standard annual fee for Platinum, first year and second year onwards.
- Add-on card Nil.
VerifiedPlatinum Credit Card Service Guide (Terms & Conditions / Governing Document)4 Aug 2026, 8:45 AM ISTHSBC India
Earn rate
- 2 reward points for every ₹150 spent on the credit card.
- Plus 5X reward points on any purchase made after spending ₹4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year (5X posted within 60 days post month end).
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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
Visa Platinum Card by HSBC India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Nil (₹0) for Visa Platinum primary and add-on card.
VerifiedMITC – Most Important Terms & Conditions (Platinum Card)4 Aug 2026, 8:45 AM ISTHSBC India
Annual / renewal fee
- Nil (₹0) - standard annual fee for Platinum, first year and second year onwards.
- Add-on card Nil.
VerifiedPlatinum Credit Card Service Guide (Terms & Conditions / Governing Document)4 Aug 2026, 8:45 AM ISTHSBC India
Fee waiver
Not applicable - joining and annual fees are Nil for Visa Platinum, so no spend-based waiver is required.
VerifiedVisa Platinum Card product page4 Aug 2026, 8:45 AM ISTHSBC India
Renewal fee
Nil for add-on card as well.
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Rewards
- 2 reward points for every ₹150 spent on the credit card.
- Plus 5X reward points on any purchase made after spending ₹4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year (5X posted within 60 days post month end).
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Redemption value
- Reward points redeemable via HSBC India Mobile Banking App against gift cards, Apple products, hotel points, airline miles and merchandise.
- Gift Cards redeemed instantly.
- Merchandise within 20 working days.
- ₹50 handling charge debited for goods and services delivery.
- Reward points valid for 3 years on a Rolling Expiry system.
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Reward cap
5X accelerated reward points capped at a maximum of 15,000 accelerated reward points in an anniversary year (earned on purchases after ₹4,00,000 spend).
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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
- Earn 2,000 reward points on downloading the HSBC India Mobile app, activating the Visa Platinum credit card, and spending a minimum of ₹5,000 within the first 30 days of card issuance.
- Points credited within 60 days following completion of 30 days from issuance.
- Offer for new primary cardholders applying between 15 September 2025 and 31 December 2026.
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Dining benefit
- Complimentary 3-month Swiggy One Membership for Visa Platinum Credit Card customers who activate their credit card within the first 30 days of issuance.
- Voucher/code sent to registered email within 60 days of becoming eligible.
- Offer period 15 September 2025 to 31 July 2026.
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Insurance
- Lost Credit Card Liability: cardholder not liable for any transaction after reporting loss/theft/misuse to HSBC.
- Covered for misuse up to 24 hours before reporting and 7 days after reporting, for up to ₹300,000.
- Insurance provided directly by ICICI Lombard General Insurance Company Limited.
- Available to valid primary cardholders only.
- Pre-delivery frauds, all PIN-based transactions and counterfeit cards not covered.
Verifiedharvested from product page4 Aug 2026, 8:45 AM ISTHSBC India
Milestone benefit
- 5X reward points on any purchase made after spending ₹4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year. 5X points posted within 60 days post the month end of the transaction.
- (Per older Service Guide; the reward exclusion MCC list applies).
VerifiedPlatinum Credit Card Service Guide (Terms & Conditions / Governing Document)4 Aug 2026, 8:45 AM ISTHSBC India
Statement credit
- Fuel contactless offer: Earn ₹250 cashback on fuel purchases made via contactless transactions upon achieving spends of ₹10,000 or more in a calendar quarter (single fuel contactless transaction min ₹1,000, max ₹5,000; domestic only).
- Effective 1 September 2025 to 31 December 2026.
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Eligibility
Eligibility
- Offer applicable to new HSBC Visa Platinum Credit Cardholders (excluding Corporate Cardholders) who apply between 15 September 2025 and 31 December 2026.
- Card issuance at Bank's sole discretion subject to internal approval norms.
- Offer available to primary cardholders only.
- Only cardholders with updated KYC eligible.
- Add-on cardholders not eligible for introductory offer.
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Charges & interest
Forex markup
3.5% currency conversion charge (foreign currency transactions markup).
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Charge
- Finance charges on extended credit: 3.75% per month (45% per annum) from date of transaction.
- Finance charges on cash advance and money transfer/forex purchase/money orders/traveller cheques/debt repayments: 3.75% per month (45% per annum).
- Cash advance transaction fee: 2.5% of transaction amount (min ₹500) at branches/ATMs.
- ₹100 at ATMs overseas against bank account.
- Nil at non-HSBC ATMs in India.
- Charge for cheque bounce/dishonoured SI/unsuccessful NACH payment: ₹500.
- Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever is higher) + applicable GST.
- Late payment fee: 100% of Minimum Payment Due, subject to minimum ₹250 and maximum ₹1,200 per month (charged if minimum amount not credited within 3 days of Payment Due Date).
- Currency conversion charge (foreign currency): 3.5%.
- Balance enquiry at other bank ATMs: Nil.
- Cash payment charge (bill payment in cash at HSBC branches and dropboxes): ₹100.
- Rental and related payments (w.e.f. 25 January 2023): 1% processing fee plus applicable taxes.
- Balance transfer: rate of interest 10.99% p.a. to 15.99% p.a. across tenures, processing fee 1.5% subject to minimum ₹200.
- All fees charged along with applicable taxes.
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Fuel surcharge waiver
- Fuel surcharge waiver of 1% on fuel purchases between ₹400 and ₹4,000 (inclusive) per transaction at any petrol pump in India, capped at ₹250 per calendar month per primary credit card.
- Transactions of ₹399 and below are charged ₹10 surcharge.
- Transactions of ₹4,001 and above charged 1% surcharge (not waived).
- Not eligible for first 90 days of card issuance.
- Separately, earn ₹250 cashback on fuel contactless transactions on achieving spends of ₹10,000 or more in a calendar quarter (single txn ₹1,000-₹5,000; effective 1 September 2025).
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Interest-free period
- Up to 48 days free credit period on purchases (effective 01 July 2021), applicable provided the credit card outstanding as shown on the monthly statement is settled in full by the due date.
- Not applicable for cash advance transactions and suspended if any balance of the previous month's bill is outstanding.
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Transfers
Transfer partner
Airlines (3)
Hainan Airlines
Fortune Wings Club
Japan Airlines
JAL Mileage Bank
Air India
Maharaja Club
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Common questions
What is the annual fee on the Visa Platinum Card?
Officially traced: Nil (Rs. 0) - standard annual fee for Platinum, first year and second year onwards.
Platinum Credit Card Service Guide (Terms & Conditions / Governing Document)What is the joining fee on the Visa Platinum Card?
Officially traced: Nil (Rs. 0) for Visa Platinum primary and add-on card.
MITC – Most Important Terms & Conditions (Platinum Card)Is the Visa Platinum Card annual fee ever waived?
Not applicable - joining and annual fees are Nil for Visa Platinum, so no spend-based waiver is required.
Visa Platinum Card product pageHow does the Visa Platinum Card earn rewards?
2 reward points for every Rs. 150 spent on the credit card.
harvested from product pageWhat welcome benefit does the Visa Platinum Card offer?
Earn 2,000 reward points on downloading the HSBC India Mobile app, activating the Visa Platinum credit card, and spending a minimum of Rs. 5,000 within the first 30 days of card issuance.
harvested from product pageWhat are the transfer ratios for Visa Platinum Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hsbc.co.in/credit-cards/products/visa-platinum/.
VerifiedVisa Platinum Card product page4 Aug 2026, 8:45 AM ISTHSBC India
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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