HSBC India Visa Platinum Credit Card
Updated on August 20, 2026
🎖️Reward Rate
Rewards
Overview
HSBC Visa Platinum Credit Card offers a host of benefits including nil joining & annual fee. Explore more benefits and apply for visa platinum card online now.
Rewards
Reward Type
Cashback
Reward Rate
- • Rewards
- • Travel with Points
Welcome Benefit
Earn 2,000 reward points when you download and log on to the HSBC India Mobile Banking app and spend at least INR5,000 in the first 30 days of having your card. T&Cs apply (PDF) .; Get a complimentary 3-month Swiggy One membership once you've activated your card. T&Cs apply (PDF) .; Receive a voucher worth up to INR500 for Amazon Pay, Zomato and Swiggy when you activate your card with a single transaction of INR300 or more. 1 Footnote link 1 T&Cs apply .; Plus, get an INR250 Amazon eGift Card when you apply online, verify yourself by video and receive your credit card. T&Cs apply .
Milestone Benefit
Annual renewal fee waiver on spending threshold
Redemption
Redeem for flight/hotel bookings, brand vouchers, and statement cash credit
Benefits
- Google Pay
- e-Mandate
- Instant EMI
- Cash On EMI
- Loan On Phone
- Balance Conversion
- Fuel surcharge
- Secure online payments
- Online banking
- Balance transfer
- Premier privileges
- Premier offers
- Google Pay
- e-Mandate
- Instant EMI
- Cash On EMI
- Loan On Phone
- Balance Conversion
- Fuel surcharge
- Secure online payments
- Online banking
- Balance transfer
- Premier privileges
- Premier offers
Things to Know Before you apply
HSBC India Visa Platinum Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: > ₹35,000/month; Self-Employed: ITR > ₹6,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (Min ₹500) |
Fee waiver: N/A
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Apply for Visa Platinum Credit Card Online - HSBC IN issued by HSBC India is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • Rewards
- • Travel with Points
- • Rewards
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
Compare with Similar Cards
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
- • Earn 2,000 reward points when you download and log on to the HSBC India Mobile Banking app and spend at least INR5,000 in the first 30 days of having your card. T&Cs apply (PDF) .
- • Get a complimentary 3-month Swiggy One membership once you've activated your card. T&Cs apply (PDF) .
- • Receive a voucher worth up to INR500 for Amazon Pay, Zomato and Swiggy when you activate your card with a single transaction of INR300 or more. 1 Footnote link 1 T&Cs apply .
- • Plus, get an INR250 Amazon eGift Card when you apply online, verify yourself by video and receive your credit card. T&Cs apply .
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • Rewards
- • Travel with Points
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
- • Rewards
- • Travel with Points
- • Rewards
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed