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  • HSBC Visa Platinum Credit Card

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    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. 

    FAQ's

    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.

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

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

    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.

    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.

      

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    HSBC Visa Platinum Credit Card Reviews

    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HSBC Bank credit card which was offered through Bank directly.This was a free card and i am using this credit card for the past 5 years .This was a platinum card and got all the information about the card process very clearly through the agent ,The credit limit was good and it was sufficient .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 13, 2019
    • HSBC Bank
      HSBC Bank Credit Card
      "Useful in case of emergency"
      0.5 3.0/5 "Satisfactory"
      I have been using the HSBC Visa platinum credit card for last 4 months. I haven't got any joining benefits and I'm satisfied with the credit limit provided to me. Its a life time free credit cards. I do get some cashback in sometimes and on Saturdays i get a buy1+get1 movie tickets.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 11, 2019
    • HSBC Bank Credit Card
      "Useful for movie lover"
      0.5 3.5/5 "Pretty good"
      HSBC is providing me 10% cash back on first purchases and also they were good in the market. It does not have any annual fee for Visa Platinum card. Its been 2 years and have been using the card for movie ticket bookings because it has 1plus1offer and restaurants.
      Was this review helpful? 4
      , kolkata
      Reviewed on Oct 08, 2019
    • HSBC Bank Credit Card
      "Fantastic Card"
      0.5 4.0/5 "Great!"
      The charges are very low than other cards. Their late payment fee and interest rates are nominal. In the beginning, i have chosen the HSBC card for getting a movie tickets but now I'm using it for all kind of purchase. I got a balance transfer facility. Monthly once 1 movie ticket free for this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied HSBC VISA PLATINUM CARD online. I received the card on time. Credit limit is sufficient for me and there is no annual fee. Their customer service is very good. Documentation and verification was done on time and I had received the card on time
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 31, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I applied an HSBC VISA PLATINUM CARD online. I had received the card on time and credit limit is also sufficient for me. There is no annual fee. I am receiving message on time. I am not happy with the reward points. It's not much helpful like my other credit cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 31, 2019
    • HSBC Bank Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I am using HSBC Visa Platinum card which was applied through Online .This card is good to use and satisfied with the credit limit as well.There are good reward points as well as cash back offers .This was a free card and everything was good on this portal .While submitting the documents the process was smooth .
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 28, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the credit card, HSBC is a good bank and have lot of offers for the credit card. The rate of interest and charges were nominal. Its a visa Platinum card and they give me a very good limit. It does not have annual fee. I am using the card for less than a month and got offers from Big Basket.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 26, 2019
    • HSBC Bank Credit Card
      "Fine card"
      0.5 4.0/5 "Great!"
      Whatever the offers I'm looking for thats feasible in HSBC credit card. I'm getting more offers and rewards points which is fine for me. They have given me a limit which close to Rs. 1.5 lakhs but i was looking a limit Minimum of Rs. 2 lakhs. I have used the card for couple of times. Their app is little bit slow in updating the transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 26, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      HSBC executive has explained me about the interest rate and charges which was okay. The credit limit is better. I have taken a Visa Platinum credit card through online channel. I have been seen all other offers and found this card which suits for my usage. It is a life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 26, 2019
    • HSBC Bank Credit Card
      "Impressive card"
      0.5 5.0/5 "Blown Away!"
      For past 15 days before, i got the new card from HSBC which is a VISA platinum card. There is a benefit in swiggy and bookmyshow. Some cashbacks also available on the purchase. The limit is 1.5 lakhs which is perfect for me. They have provided me a card in 10 days.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 26, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have received my HSBC VISA PLATINUM CARD. I am not happy with the credit limit. I was expecting at 4 lakh, all my existing cards have 5-6 lakhs of credit limit. I emailed them many times to increase the credit limit but nothing happened. Their website is also not user friendly, when I try to log in, it asks secondary password. It's very complicated.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 20, 2019
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have received my HSBC VISA PLATINUM CARD that I applied through Bankbazaar. HSBC customer service is very helpful and provided clear information. It's lifetime free credit card and credit limit is also sufficient for me. The features of this card is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 20, 2019
    • HSBC Bank Credit Card
      "Basic card"
      0.5 3.5/5 "Pretty good"
      I am not using the HSBC credit card because its like a basic card. I have a HSBC visa platinum card with me. I'm a advanced bank customer of HSBC hence they have provided the card in their branch. There is no yearly charges on this card. The offers are good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 17, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have applied HSBC VISA PLATINUM CARD through an online on 2 months before. I had received the card on time. The credit limit is sufficient for this card. I use for many purposes like shopping, travel purpose like flight tickets to book and for an online transactions.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2019
    • HSBC Bank Credit Card
      "Excellent"
      0.5 3.5/5 "Pretty good"
      I have selected HSBC Visa platinum credit card cc past 6 months , life time credit card .while transaction there is rewards points and cash back offer is applicable. per months i will receive 2 movie ticket, sufficient limit is provide, documents submitted through online there is no delay while receive credit card . Mobile application user friendly application.Customer service is good and responsive.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2019
    • HSBC Bank Credit Card
      "Medium"
      0.5 3.5/5 "Pretty good"
      I had applied HSBC VISA PLATINUM CARD through an online which was processed on 2 months before. I had received the card on time. The verification process was good and received a card on time. It is a life time free credit card but the credit limit is okay. There is an option for an EMI and charges are nominal.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I applied HSBC VISA PLATINUM CARD through Bankbazaar.com. I had received the card on time. Credit limit is very low, I was expecting at least 2 lakhs. It is a lifetime free credit card. It would have been better if they could send hard copy of my bill or SMS so that I can pay my bill on time.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 17, 2019
    • HSBC Bank Credit Card
      "Meet the purpose of the credit card"
      0.5 4.0/5 "Great!"
      Because of the one of best offer available in this HSBC credit card i have chosen the same which is no annual fee. There is no joining benefit for this card. I'm satisfied with the credit limit provided to me. On a regular basis, they are sending the offer notification through SMS and mail.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 02, 2019
    • HSBC Bank Credit Card
      "Quite happy with HSBC BANK"
      0.5 5.0/5 "Blown Away!"
      HSBC BANK has given me a credit limit of more than 1L. I have been using the Platinum card for more than a year. Even the customer service was good. I never converted my payments into EMI. The payment mode is easier. They are not charging me annual fee.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 02, 2019
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