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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 Rated as "Excellent!" by 1535 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    The Visa Platinum Credit Card by HSBC is one of the many offerings offered by the UK-based bank, through its Indian subsidiary. Let’s take a look at what this card offers its holders.

    Features of HSBC Visa Platinum Credit Card

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

    • Avail up to 10% cashback on all expenses made using the card within the first 90 days of receiving the card. The minimum spend limit is Rs.10,000 and the maximum cashback you can receive Rs.3000 per card. This offer is valid from 26 December 2017 to 30 September 2018
    • Zero joining and annual fees
    • Receive up to 3 times (3x rewards) the rewards on money spent on dining, telecom, hotels categories for up to 12 months
    • Receive up to 5 times (5x rewards) rewards on expenditures over Rs.4 lakh in a year for up to maximum expenditures of Rs. 10 lakh in a year
    • Receive movie ticket vouchers worth up to Rs.500 on spends higher than Rs.50,000 in a calendar month
    • Receive up to 15% discount at selected restaurants in India
    • Exclusive discount with Accidental and Liquid Damage Insurance worth Rs.3,999 on Samsung smartphones along with 2500 reward points on the card
    • Savings of up to Rs.5,500 for bookings made on goibibo
    • Up to 30% discount on Treebo hotel bookings
    • Savings of up to Rs.2,800 on flight bookings on Cleartrip

    Benefits of the HSBC Platinum Credit Card:

    The list of benefits offered by this card are as follows:

    Cashback:

    The Visa Platinum Credit Cardholders can receive cashback of up to 10% on all of their card expenses for the first 90 days. They can also receive up to Rs.10,000 cashback on international flight ticket bookings made on MakemyTrip.com. They can also avail up to Rs.1,200 as savings on domestic flight bookings are done using ClearTrip.com

    3X Rewards:

    Cardholders can avail up to 3X rewards on all their transactions related to dining, hotels, and telecom categories for the first 12 months of availing the card.

    No fee:

    Customers availing the HSBC Visa Platinum Credit Card are not required to pay any annual fees or joining fees. The card is available to them free of charge.

    Movie offer:

    HSBC Platinum Credit Cardholders can receive a movie voucher of Rs. 500, when they spend Rs.50,000 in a calendar month. On top of this, they can also free tickets worth up to Rs.3,000 as part of the same offer. Cardholders will be sent a unique ‘Promotion Code which should be used within a 30-day period to avail the offer.

    To avail the tickets, the cardholder must log on to the BookMyShow app or webpage, select location, and proceed to the payment page. Here, they will need to go to the ‘Avail Offers and Discounts’ tab and type in the Winpin code and click on check.

    Dining Privileges:

    The HSBC Platinum card offers amazing discounts on a variety of food and dining outlets. These offers are available across all major cities in India and will get the cardholder up to 15% discount.

    Waiver on Fuel Surcharge:

    If the cardholder spends between Rs.400 to Rs.4,000 on fuel with the Visa Platinum Credit Card, they will receive a 1% or up to Rs.250 worth of surcharge waivers per month.

    Air Miles Conversion:

    Air Miles conversion is available for the cardholders if they are using either Jet Airways or Singapore Airlines for their travel.

    No lost credit liability:

    HSBC Platinum Credit Card users have no lost credit card liability post registering a reporting the loss of their card to HSBC. Apart from this, users are also covered for the misuse of their cards for up to 24 hours post registering if the amount is a maximum of Rs. 300000.

    Emergency Card Replacement:

    If the Visa Platinum cardholder loses their card when they are travelling abroad, they can receive a new card in just 3 days. To do this, they will need to contact the HSBC Helpline numbers or the Visa Global Assistance Services. If they are looking for other options, the cardholder can avail emergency cash in over 22,000 outlets around the world.

    Global acceptance:

    The HSBC Platinum Credit Card can be used to transact in over 18 million outlets and at over 100,000 locations in India and globally.

    Loan on Phone:

    The HSBC Visa Platinum Card holders can avail loans on their credit card. To do this, they will need to make a minimum purchase of Rs.2000 on their card and call the bank within 50 days to convert it into a loan. The bank allows you to choose from multiple tenure options with interests ranging from 12.99% to 21% per annum.

    Balance Transfer Perpetual (Perpetual BT):

    The Visa Platinum Credit Cardholders can transfer their outstanding balance from other cards/banks into their HSBC Platinum Visa Credit Cards and avail low rates of interest. Loan tenure ranges between 3, 6, 9 and 12 months, with an interest rate of 1.08% across all tenure options. TO avail this, a 2% processing fee is levied subject to a minimum of Rs.200.

    Instant EMI:

    Also known as IEMI, the Visa Platinum Credit Card offers a convenient experience of the shop now, pay later. Through this, the cardholder can shop for Rs.2,000 or above and convert the purchase into an EMI, which they can pay over a period of their liking.

    Insurance cover:

    The Visa Platinum Card by HSBC comes with an insurance cover wherein, if the cardholder loses their card and reports the loss to the bank, they will have zero liability against any transaction made. They will get a cover of up to Rs.3 lakh for up to 24 hours before the loss is reported and registered.

    Additional Credit Cards:

    HSBC Platinum Credit Card users can get up to three credit cards for themselves, their sibling, spouse, and children. However, all of them should be above the age of 18. Note that all the expenses on their additional cards will be billed against the primary cardholder and the same goes with the spending limit. All the additional cardholders can access the account and can use their credit card number to log in tp get the information.

    How to apply for an HSBC Visa Platinum Credit Card

    Fees and Charges:

    Joining Fee

    Nil

    Annual fee

    Nil

    Note: There is no annual fee for any number of years.

    Duplicate statements

    If more than three months worth of statements are required, a fee of Rs.100 should be paid

    Cheque bounce/Unsuccessful ECS payment

    Rs.350

    Minimum payment due – extended credit usage

    5% of the total payment that is due ( a minimum of Rs. 100)

    Interest levied on cash and credit advances

    3.3% per month or 39.6% per year applicable from the date of the transaction

    Cash advance limit against the credit card account

    As written in the user’s monthly statement

    Transaction fee for cash advance

    2.5% of the transaction amount (a minimum of Rs. 300)

    Transaction fee for withdrawals at foreign ATMs

    Rs. 100

    Transaction fee for non-HSBC bank ATM withdrawals

    Nil

    Overlimit fee

    Rs. 500

    Late payment fee

    50% of the minimum due amount (a minimum of Rs. 400 and a maximum of Rs. 750)

    Sales slip retrieval

    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 that Rs.1.5 lakh

    Credit Card Replacement fee - India and abroad

    Rs. 100

    Currency Conversion Charge

    3.5%

    Balance enquiry on credit card at non – HSBC ATMs

    Nil

    Handling fee for rewards redemption

    Rs. 50 for every redemption request filed with the company

    Credit Information Report

    Rs. 50

    HSBC Platinum Credit Card FAQs:

    1.  What are the late payment charges that are applicable?

    2.  Late payment charges on the Visa Platinum Card depends on the actual amount owed. Normally, 50% of the minimum payment is levied as penalty, with the minimum being Rs.400 and the maximum being Rs.750. Here’s a table that lists out the minimum payment amount and the late payment charges:

      Minimum Payment Due

      Late Payment Charges

      2000

      750

      1500

      750

      1000

      500

      750

      400

      500

      400

      100

      400

    3. Do I have to pay a joining fee to avail the HSBC Visa Platinum Credit Card?
    4.  No. The Visa Platinum Credit Card by HSBC doesn’t come with any joining fees whatsoever. In fact, it doesn’t come with any annual fee either. It is an entirely free card.

       What are the modes through which I can pay my bills?

       To pay the bill, you can use a number of payment options, including funds transfer, Visa Money Transfer, OTC, Visa Bill Desk, Cheque, and phone banking.

       How can I apply for a HSBC Platinum Credit Card?

       Here’s how you can apply for the card:

      • Through the HSBC India website.
      • By calling the HSBC customer care services
      • By visiting the nearest HSBC Bank branch
    5. How many movie tickets can I get in a month?
    6.  You can get a maximum of 1 + 1 tickets through your HSBC Platinum Credit Card. However, you will need to meet the necessary spending limit to be able to avail the benefit.

    7. How does the rewards system work with this card?
    8.  You get 2 rewards points for every Rs.150 spent. Also, if you have already spent more than Rs.40,000 in a month, every subsequent purchase after that will get you up to 5 times the rewards points. For spends on dining, telecom, and hotels, you can get up to 3 time the rewards points.

    9. What is the validity for the reward points on the Visa Platinum Card?
    10.  All the reward points accrued on the Platinum Credit Card is valid for 3 years. After the three year period, you will lose all the points if the points remain unused.

    11. What are the other benefits available on the HSBC Visa Platinum Credit Card?
    12. Besides the ones mentioned above, there are other benefits like cash advance, 24/7 phone banking access, additional credit cards, and more available for the cardholder.

    HSBC Visa Platinum Credit Card Reviews

    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I have applied for HSBC Credit Card .I have not yet faced any difficulties in using this card. The credit limit is good ,agent clearly explained the process ,cashback offers and reward point are there in this card .The name of the card is HSBC platinum visa card ,The credit limit is 1.5lakhs and the Overall service is good as of now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2019
    • HSBC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I am using HSBC credit card for near about a year and am getting so many offers. I got HSBC VISA PLATINUM card and its a life time free credit card. The customer service was good and the response was prompt. I took some EMI and they have charged 13 - 14% as standard price.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with this card since the security with this card is great where it has a six digit PIN. The process in getting this card was good and the card was delivered to me on time. I am happy with the credit limit with this card and they had explained to me with the benefits and features with this card as well, and it is a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have contacted the customer care service to checking up the phone banking pin and they have responded well. I have been getting a promotional offers on mails. This is a life time free credit card and it may meet my requirements. I got the credit limit of Rs. 1.20 lakhs and I'm happy about it and I'm online payer for my credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 21, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      It takes long time to connect with the customer care executive and they are taking too much of time to process the credit card. I found there is no charges and its a completely free of cost card. The given credit limit is really good. Because of the rewards points i have chosen the card. For the first 3 months, if i spend minimum of Rs. 10000 they will give 10% cashback offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 21, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have received a HSBC credit card offer call and i have accepted the same. The annual fee will get waived off automatically. The given credit limit was a good one. There is no offer provided by HSBC. I have received the card on time and received my first month bill too and there is no issue on that. The executive came to my place and collected the documents.
      Was this review helpful? 0
      , thane
      Reviewed on Feb 20, 2019
    • HSBC Bank Credit Card
      "Good one "
      0.5 4.0/5 "Great!"
      HSBC is a good card to use. They are offering a discounts on restaurants which i won;t avail. I am not much interested in offer. Whenever I'm in need, i just swipe the card for my transaction. If i want to avail the EMI option i need to call them and confirmed about the amount whether its applicable or not for my transaction.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2019
    • HSBC Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      Because of my personal use i have bought the HSBC platinum card. There are many offers are there but i have not availed anything. I got the limit which is convenient for me. I never faced any issues from this card. Received my credit card on time. Documentation process also good. I never interacted with the customer care service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2019
    • HSBC Bank Credit Card
      "Good brand"
      0.5 5.0/5 "Blown Away!"
      I did not call the HSBC customer care till date. Because of the HSBC brand i have took the card. They have some fuel offers, movie offers and I've not done the much transaction till date. I'm satisfied with the limit provided by them. I got the card on time and there is no issue documentation process.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Feb 19, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have been using the HSBC Visa card for last 1.5 months. They have offered me a limit of Rs. 1 lakhs and if they are enhancing the limit, it would be fine. There is no annual fee. They have given me a cleartrip voucher of Rs. 2000 and swiggy voucher of Rs. 250. I called the customer care service to change the pin number and the response is really fine.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have HSBC Visa Platinum Card, there is a reward point and they give discounts on the hotel, restaurant etc. Its a life time free credit card. The limit is satisfactory, the customer care of HSBC is really good. I am satisfied hence I would recommend it.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting this credit card has been pretty smooth and it has taken just one week to get the credit card. The credit limit with this card is pretty good and there has also been some good benefits with this card. It is a life time free credit card and i have started using this card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I did not have a HSBC variant credit card hence i have applied for this card. I'm not sure about the offers provided by them. The credit limit is really good and the annual fee is nothing. As per their promised time i have received the card. The documentation process was good. I am using this card for multiple purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Yet to experience the card"
      0.5 4.0/5 "Great!"
      I actually want to know the features and benefits of the card hence i have opted for HSBC visa platinum card. I'm not sure about the limit they have offered to me. I have received the card as per the promised time. I specifically asked for the life time free card. Collection executive came to my place and collected all the documents.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with the services of HSBC BANK Credit card , they offered me enough credit limit and the best part is it si life time free card . Benefits were reward point and they have tie up with book my show so i am getting 1+1 offer. Credit limit is very satisfactory .
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The overall process in getting this card has been quite good and the card was delivered to me on time. The credit limit with this card has been good and there has also been some good benefits which came with this card. There is no annual charges with this card and i have started using the card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Quite satisfied with the overall services"
      0.5 4.0/5 "Great!"
      This is a life time free credit card which is a good one. They are lots of facilities are available in this card. Weekly twice i received the promotion mails in my inbox. I'm satisfied with the card and the given credit limit. I am using this card for multiple purpose. I called once the customer care and the response was good and they have given me a oncall resolution.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with them since the offers with this card has been pretty good. The process in getting this card was quite simple where they had collected the documents at the doorsteps, the card also had delivered to me on time. The credit limit with the card is okay for the time being and they had explained me with the benefits and features with this card.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Fantastic card"
      0.5 4.0/5 "Great!"
      For HSBC, there is nothing much offers are available. They are not taking any hidden charges so far thats the good thing. According to my eligibility they have offered me this card. I got the limit of Rs. 1.5 lakhs which is convenient for me. I never contacted with the customer care. I'm yet to receive the first month bill. They have dispatched the card on time but there is a issue in that because they have wrongly mentioned my name in the card. I complained the same and the agent sent new card to me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2019
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting this card has been quite simple and easy, they had delivered the card on the right time as well. The credit limit with this card has been quite satisfactory and they had explained me about the benefits and features where it is a life time free credit card and there has not been any hassle faced.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2019
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