HSBC Lifetime Free Credit Card

HSBC Bank offers a variety of credit cards to its customers. Some of the HSBC credit cards, such as HSBC Visa Platinum Credit Cards offered are lifetime free as you do not need to pay any annual fee while for some the annual fee can be reversed in case you spend a specific amount during the course of the year. These cards are laced with various rewards in the form of cashbacks, reward points, fuel surcharge waiver, free movie tickets, etc.   

Updated On - 15 Sep 2025
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What are HSBC Lifetime Free Credit Cards?

HSBC offers lifetime free credit cards, which means no annual fees for as long as you have the card. These cards provide various benefits like rewards, discounts, and easy payment options without paying an annual fee. It is a great choice for those looking to save on fees while enjoying useful perks. 

Listed below are the HSBC Lifetime Free credit cards:

  1. HSBC Visa Platinum Credit Card

HSBC Platinum Lifetime Free Credit Card – Overview

The HSBC Visa Platinum Credit Card offers exclusive privileges and comes with instant recognition. You can use the card for travel purposes as the option of air miles conversion is available on Intermiles, British Airways, and Singapore Airlines.

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Features and Benefits of HSBC Visa Platinum Card

Some of the features and benefits of the card are as follows:

  1. No joining or annual fees. 
  1. Offers Amazon eGift Voucher worth Rs.100 when applying online for the card. 
  1. The card offers Rs.500 cashback, on downloading and logging the HSBC India Mobile app and spending at least Rs.5000 in the first 30 days of receive the card. 
  1. Converts points into air miles with British Airways, Air India, Eithad Airways and Singapore Airlines. 
  1. The credit card offers a fuel surcharge waiver that offers annual savings of up to Rs.3000. 
  1. On spending every Rs.150, the card offers two reward points. 
  1. On any purchase made after spending Rs.4 lakh, the card offers 5X reward points up to a maximum of 15,000 accelerated reward points in an anniversary year. 
  1. Offers insurance coverage of Rs.3 lakh for any misuse of your card within 24 hours of reporting it lost. 
  1. The card also offers other facilities, such as balance transfer, emergency card replacement, cash advances, Google Pay facility and many more. 
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Eligibility Criteria

The customers must fulfill the eligibility criteria mentioned below to apply for HSBC Visa Platinum Credit Card: 

  1. The age of the applicant should be between 18 to 65 years. 
  1. For salaried individuals, the minimum annual income should be Rs.4 lakh. 
  1. Must be Indian residents. 
  1. Must reside in the following cities: 
  1. Chennai 
  1. Delhi National Capital Region (NCR) 
  1. Mumbai, Jaipur  
  1. Chandigarh  
  1. Kolkata 
  1. Gurgaon 
  1. Ahmedabad 
  1. Pune 
  1. Bangalore 
  1. Kochi 
  1. Coimbatore 
  1. Noida 
  1. Hyderabad 

Fees and Charges of HSBC Visa Platinum Card

The fees and charges applicable on HSBC Visa Platinum credit cards are given in the table below:

Type of Fee

Charges

Joining fee

Nil

Annual fee

Nil

Add-on charges

Nil

Finance charges

3.75% per month (45% per annum)

Cash advance limit

2.5% of the transaction amount (minimum of Rs.500) 

Cash advance fee

2.5% of the total transaction amount (Rs.500 minimum)

Charges applied for bounced cheque 

Rs.500 

Duplicate statement fee

Nil

Late payment charges

100% of the minimum payment due (minimum of Rs.250 and a maximum of Rs.1,200 every month)

Over limit fee

Rs.500 per month or 2.5% of the overlimit amount (whichever is higher) plus GST

Card replacement fee

Nil

FTF (Foreign Transaction Fee)

3.5%

Cash payment charge

Rs.100

How to Apply for HSBC Lifetime Free Credit Cards?

You can apply for HSBC Lifetime free Credit cards in three ways. You can open it online by visiting the bank website and following the steps mentioned there. There is also the option of visiting a bank branch along with the necessary documents or calling the HSBC credit card customer care cell of the bank at 1800 266 3456,1800 120 4722, 1800 267 3456, or 1800 121 2208 to apply for a credit card.

To apply for HSBC Visa Platinum credit card online, follow the below-mentioned steps: 

  1. Visit the official bank website. 
  1. Navigate to the credit card section and click on ‘Visa Platinum Cards’. 
  1. Click on ‘Apply Now’ at the bottom of the page. 
  1. A new page opens, where you need to enter the basic details, such as name as per Aadhaar, mobile number, email address, and other necessary details. 
  1. Click on ‘Generate OTP’. 
  1. Enter the personal and employment details as mentioned. 
  1. Review the form, enter additional details if required, and submit it to complete the process. 
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FAQs on HSBC Lifetime Free Credit Card

  • How can I check the status of HSBC Lifetime Free Credit Card application?

    To know the HSBC credit card application status, you can call the Phone Banking number in your city.

  • How many additional cards can I request on my HSBC Lifetime Free Credit Card?

    You can apply up to 3 add-on cards in addition to the primary card.

  • Will I need to pay an extra charge for using the HSBC Lifetime Free Credit Card overseas?

    No, you will not be charged anything extra for using the credit card overseas as they are valid internationally.

  • Can I make the payment of my credit card bill through NEFT?

    Yes, you can make the payment of your bill through NEFT. For making the payment, the IFSCcode which needs to be used is HSBC0400002.

  • How long does it take for a cheque payment to reflect in the card account?

    It takes three (3) working days for a cheque payment to reflect in your card account.

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