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  • HSBC Visa Platinum Credit Card

    Looking for a credit card with no joining or annual fee? If yes, HSBC Visa Platinum Credit Card may be the ideal card for you. Cardholders also get up to Rs.10,000 cashback on international flight bookings made on Make My Trip. Apply online now!
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    HSBC Visa Platinum Credit Card is a no annual fee credit card offered by HSBC. The card provides interesting benefits across various lifestyle categories including dining, movies, travel, etc. However, applicants must have a minimum annual income of Rs.4 lakh to apply for the card.  Listed below are the features and benefits of the card along with other important information you must know. 

    Key Highlights of HSBC Visa Platinum Credit Card

    • A lifestyle credit card with attractive offers and rewards.
    • Zero joining fee and annual fee.
    • Exciting introductory offers.
    • Accelerated reward points on select categories.

    Lifestyle Benefits offered by HSBC Visa Platinum Credit Card

    • Complimentary travel vouchers.
    • 10% cashback within first 60 days of card issuance.
    • Up to Rs.3,000 worth movie vouchers per year.
    • 15% off on dining at partner restaurants across major Indian cities.

    Features and Benefits

    The HSBC Visa Platinum Credit Card comes with a host of features for the cardholder. Here’s a list of all of them: 

    Zero joining fee and annual fee: All the features and benefits on the card can be enjoyed at zero cost. Yes, you read it right. HSBC offers the Visa Platinum Credit Card without any joining fee and annual fee.  

    Introductory offers:  

    • Gift voucher: Get 2 Cleartrip vouchers worth Rs.1,000 each within 60 days of completing first transaction on your HSBC credit card. Offer valid only on the cards issued on or before 20 July 2019.
    • Cashback: Avail up to 10% cashback on all expenses made using the card within the first 90 days of receiving the card. The minimum transaction amount should be Rs.10,000 and the maximum cashback you can receive is Rs.2,500 per card. Offer valid only on HSBC credit cards issued on or before 31 March 2019.
    • 3X reward points: Earn 3 times more reward points, i.e., 6 reward points for every Rs.150 spent on dining, telecom, hotels categories for 12 months from the time of card issuance.

    Reward points program: 

    • Earn 2 rewards points on every Rs.150 spent on all retail purchases.
    • Up to 5 times more rewards points i.e., 10 reward points on every purchase made after the annual spend threshold of Rs.4 lakh up to a maximum of Rs.10 lakh within 12 months of card set-up.
    • Accrued reward points can be redeemed for a wide range of redemption options including gifts, vouchers, airline miles, donation and charities.

    Spend based rewards: Win a free entertainment ticket voucher worth up to Rs.500 on spends of Rs.50,000 or more in a calendar month. Maximum Rs.3,000 vouchers can be availed per cardholder in a year.  

    Dining privileges: Through HSBC’s Simply Indulge dining program, you can avail up to 15% discount at select restaurants in your city.  

    Fuel surcharge waiver: Enjoy surcharge waiver on fuel transactions between Rs.400 and Rs.4,000 valid at all petrol pumps across India. The maximum waiver is capped at Rs.250 per month.  

    Zero liability on lost card: Report the loss of the HSBC Visa Platinum Credit Card within 24 hours and remain zero liable for any fraudulent transactions that might happen on the card.The policy would cover up to 24 hours before reporting the loss for up to Rs.3 lakh.  

    Emergency card replacement: If you lost the credit card while travelling abroad, you can receive a new card upon request.Simply contact the HSBC credit card helpline numbers or the Visa Global Assistance Services and request for card cancellation and replacement. An emergency card will be issued within 3 days of reporting across the globe. You can also opt for emergency cash services available at over 22,000 outlets around the world. 

    Global acceptance: The HSBC Platinum Credit Card can be used at over 18 million outlets and at over 1 lakh locations in India and globally. 

    Loan on Phone: You can convert your purchases of minimum value of Rs.2,000 into EMIs within 15 days of the transaction. Multiple tenure options including 6, 12, 18, and 24 with interest rates ranging from 18% to 23.88% per annum are available on the facility. 

    Instant EMI: The credit card Instant EMI facility offers a convenient experience to convert the purchases into EMIs while purchasing the product at the merchant terminals. The minimum transaction value should be above Rs.2,000 to convert into EMI.Various tenure options including 3, 6, 9, 12, 18, and 24 with interest rates ranging from 12% to 15% per annum are available on the facility. 

    Add-on credit cards: You can apply for up to 3 add-on credit cards for your immediate family members including siblings, spouse, parents and children, above 18 years of age. The add-on cards will be provided at no extra cost. All the expenses on the cards will be billed against the primary cardholder and the same goes with the spending limit.  

    Fees and Charges

    Type of fee or charge Amount (Rs.)
    Joining Fee NIL
    Annual fee NIL
    Interest rate 3.3% per month
    Cash withdrawal fee 2.5% of the transaction amount (subject to a minimum of Rs.300)
    Rewards redemption fee Rs.50 per request
    Duplicate statement fee Rs.100 per statement which is older than 3 months
    Cheque bounce/Unsuccessful ECS payment Rs.350
    Cash withdrawal fee at foreign ATMs Rs.100
    Overlimit fee Rs. 500 per month
    Late payment fee 50% of the minimum due amount (subject to a minimum of Rs.400 and a maximum of Rs.750)
    Sales slip retrieval fee Rs.225 per month
    Out-of-town cheque processing
    • Rs.50 for up to Rs.10,000
    •  
    • Rs.100 for processing amount between Rs.10,001 and Rs.1 lakh
    • Rs.150 for cheque amount more than Rs.1 lakh
     
    Credit card replacement fee - India and abroad Rs.100
    Currency conversion fee 3.5%
    Cash payment at HSBC branches Rs.100
    Copy of Credit Information Report Rs.50

    Eligibility Criteria

    The basic eligibility to apply for HSBC Platinum Visa Credit Card is provided below: 

    • Minimum age of the applicant must be 18 years and maximum should be 65 years.
    • Only salaried individuals can apply for the card.
    • Minimum gross annual income should be Rs.4 lakh.
    • Should be a resident of the cities in which the credit card is offered. Currently, the card is available in major cities such as Mumbai, Delhi, Pune, Bengaluru, Chennai, Hyderabad, Noida, Gurgaon, and Kolkata.

    Documents Required

    If you’re eligible to apply for the HSBC Platinum Visa Credit Card, below are the documents you need to submit to process the application.

    • Latest copy of pay slip or salary certificate from the employer.
    • Copy of existing credit card and latest credit card statement.
    • Last 3 months bank statements indicating salary credits.
    • Proof of residence, identity and PAN card or Form 60. 

    How to Apply for HSBC Platinum Visa Credit Card online?

    You can visit HSBC official website to apply for the credit card. Alternatively, you can apply through BankBazaar and can stand a chance to win exciting offers.

    The steps to apply through BankBazaar.com are mentioned here.

    • Click on the ‘Check Eligibility’ button on the page to check your eligibility for the card.
    • Once you clear that, you will find an option to ‘Apply’ for the card.
    • Clicking on it would redirect you to ‘Credit Card Online Application’ page.
    • Fill the required details, upload the relevant documents and click on ‘Submit’.

    Upon successful submission of the application, you will receive an acknowledgement message with the ‘Application ID’, which can be used to track the application status in real-time.  

    FAQs

    1. What is the credit limit on the HSBC Visa Platinum Credit Card? 

    The credit limit on HSBC Visa Platinum Credit Card will be communicated to you by HSBC at the time of card issuance. You can also find it in your credit card statement generated every month.  

    The bank reserves the right to reduce the credit limit on the card at any time. You can also apply for review of the assigned credit limit at any time after completing six months. 

    2. Does the HSBC Visa Platinum Credit Card provide airport lounge access? 

    Currently, the card does not provide any complimentary airport lounge access facility.  

    3. How does the rewards system work on the Visa Platinum Credit Card? 

    You can earn 2 rewards points for every Rs.150 spent. Also, if you have already spent more than Rs.4 lakh in a year, every subsequent purchase after that will get you up to 10 rewards points. 

    For spends on dining, telecom, and hotels, you can get up to 6 rewards points for the first 12 months of card set-up. 

    4. What is the validity of the reward points on the Visa Platinum Card? 

    All the reward points accrued on the Visa Platinum Credit Card are valid for 3 years. After the 3-year period, you will lose all the points if the points remain unused. 

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    HSBC Visa Platinum Credit Card Reviews

    • HSBC Bank Credit Card
      "One of the best life time free card"
      0.5 4.0/5 "Great!"
      I have taken a HSBC VISA PLATINUM CARD,this is a life time free card.Credit limit is sufficient and good. Documentation process was simple executive collected the documents,i received the ard within a week. I am getting buy one get one movie ticket free from BOOK MY SHOW.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 17, 2019
    • HSBC Bank Credit Card
      "Best free card"
      0.5 5.0/5 "Blown Away!"
      HSBC credit card has zero annual fee and it give life time free member ship, that is the reason I have availed this card. The features is good they are providing discount in movie buy get 1 free. Meanwhile I get shopping coupon and benefits in terms of reward points. Credit limit is sufficient and fine. Customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 16, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been seven years since i am using the HSBC VISA PLATINUM CREDIT CARD. I am happy with the credit limit with this card and there has been some good movie ticket offers with this card. It is a life time free card & i use the card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 10, 2019
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      This is free card and HSBC good credit limit provided , and in this card rewards point and some other offer available in this card but I am not using much more recently I got this card I submitted document on -line and their customer service is good and response properly .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 09, 2019
    • HSBC Bank Credit Card
      "Best free card"
      0.5 5.0/5 "Blown Away!"
      There are few ATM and drop box In Bangalore need to increase that. Credit limit is sufficient Rs. 2,30,000 . Documentation is very simple. Customer service and response is good. HSBC credit card has zero annual fee and it give life time free member ship, that is the reason I have availed this card. The features is good they are providing discount in movie buy get 1 free.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 05, 2019
    • HSBC Bank Credit Card
      "Best life time free ,value for money card"
      0.5 4.0/5 "Great!"
      HSBC credit card has zero annual fee and it give life time free member ship, that is the reason I have availed this card. The features is good they are providing discount in movie buy get 1 free. Meanwhile I get shopping coupon and benefits in terms of reward points. Credit limit is sufficient and fine. Customer service is good. I received this card within 2 weeks.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 05, 2019
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      This is free card and HSBC good credit limit provided , and in this card rewards point and some other offer available in this card but I am not using much more recently I got this card I submitted document on -line and their customer service is good and response properly .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Avrage"
      0.5 3.0/5 "Satisfactory"
      HSBC bank is good bank for me and I am satisfied with credit limit in this card , and this is life time free card no need pay any annual balance , and their customer service is not good and response is not good , I got this card on time , I am satisfied with this bank , but I am not using so I can not give comment ,
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Good. Can do better in the OTP"
      0.5 4.0/5 "Great!"
      The process was on time and the credit limit is good with HSBC credit card. It is a life time free card. There are deals of movie tickets which I am not able to avail it though I have tried it. The OTP does not come on time, I am not sure if it is the net work or the bank side issue.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Best free card"
      0.5 3.5/5 "Pretty good"
      HSBC credit card has zero annual fee and it give life time free member ship, that is the reason I have availed this card. The features is good they are providing discount in movie buy get 1 free. Meanwhile I get shopping coupon and benefits in terms of reward points. Credit limit is sufficient and fine. Customer service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Best life time free card"
      0.5 3.5/5 "Pretty good"
      I have taken a credit card with HSBC BANK , this is just like any other credit card your can find in the market. Overall I never had any issues with the card and its features. Credit limit is Rs. 1,50,000,satisfactory with this card .I uploaded documents through online also executive collected the documents. I am getting movie ticket offer clear trip voucher worth of Rs. 1000,swiggy voucher Rs. 250. Customer service is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Best life time free card"
      0.5 5.0/5 "Blown Away!"
      The card which i have taken from HSBC VISA PLATINUM CARD life time free card. Credit limit i am not sure. Customer is good,within 2 days they collected the documents. I received the card around 1 week. I am getting movie tickets offer buy 1 get 1 free BOOK MY SHOW this applicable only on Saturdays.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      HSBC bank is good bank for me and I am satisfied with credit limit in this card , and this is life time free card no need pay any annual balance , and their customer service is good and response is also good , I got this card on time , I am satisfied with this bank ,
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      When I submitted my document on line within seven days I got HSBC bank credit card , this is life time free card and movie ticket offer in this card so I choose this card but I am not satisfied with credit limit , their customer service is very good, ,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 04, 2019
    • HSBC Bank Credit Card
      "Best free card"
      0.5 5.0/5 "Blown Away!"
      I have taken a HSBC VISA PLATINUM CARD this is free card no joining fees. The documentation process was simple and easy to get the card and it took nearly 12 days. Buy one get one movie ticket free every month i am getting from BOOK MY SHOW this applicable on Saturdays only. Customer is good no issues.Credit limit is okay if they increase it will be good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 03, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had applied for HSBC VISA PLATINUM CREDIT CARD recently but i did not received yet. They said will be dispatching the card through courier service but not happened till now. I got message stating that the card went to bank again, while applying card i did not faced any issue from them. They said annual fee will not be charged.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 03, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HSBC Credit Card through Online and have not faced any issues.The credit limit was good and the agent explained the process completely .I have received the credit card on time .I have particularly choosed since got the offer only for this credit card.The Overall Service is Good .
      Was this review helpful? 0
      , pune
      Reviewed on Apr 03, 2019
    • HSBC Bank Credit Card
      "Very good & happy"
      0.5 5.0/5 "Blown Away!"
      I got the Visa Platinum credit card from HSBC BANK. The credit limit is very good. It is a life time free credit card and the benefits are very good hence have opted for it. I have been using the card for last couple of months and no idea about the charges. I got the reward point and got offer on bookmyshow.com also they are calling me regularly and providing proper updates.
      Was this review helpful? 0
      , thane
      Reviewed on Apr 03, 2019
    • HSBC Bank Credit Card
      "Good card but charges are reduced"
      0.5 4.0/5 "Great!"
      I am most happy with HSBC credit cards. They have more offers with different partners and banks. Its a life time free card. I hold HSBC Visa Platinum credit card for last 2 years. The credit limit is good. The customer service is average and need to improve their number of ATM's and branches. Basically the reward points are good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 03, 2019
    • HSBC Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I had taken HSBC credit card.I am using this card for on line and for the shopping purpose.I am not facing any difficulties.It is a life time free card.Customer service representatives are approachable.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 03, 2019
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