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    HSBC Visa Platinum Credit Card is Rated as "Excellent!" by 575 Users

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    HSBC Visa Platinum Credit Card

    • Get 10% cashback on all spends during the first 90 days from the date of card issuance subject to a minimum spend of Rs.10,000 and a maximum cashback of Rs.3000 per card valid from 26th December 2017 to 30th June 2018.
    • Nil joining and annual fees
    • Get 3 times rewards (3X rewards) on spends on dining, hotels and telecom categories for 12 months
    • Get 5 times rewards (5X rewards) on spends over INR 4,00,000 in a year for upto maximum spends of INR 10,00,000 in a year
    • Movie ticket voucher worth INR 500 on spends exceeding INR 50,000 in a calendar month.
    • Upto 15% discount at selected restaurants in India.

    HSBC Platinum Credit Card Overview:

    As a premier banking and financial institution, HSBC has its headquarters in London, United Kingdom and has a presence in over 80 countries across the world. One of the four major clearing banks in the United Kingdom, HSBC offers a variety of cards to suit every individual's need.

    The HSBC Platinum Credit card is designed to enhance customer lifestyles and to add a touch of glamour and luxury. This card has various offers to complement shopping, dining and travel related needs and also comes with a host of amazing benefits and features.

    Benefits of the HSBC Platinum Credit Card:

    Cashback:

    Customers can receive a cashback of 10% on all purchases within the first 90 days of availing the card.

    Customers can receive a cashback of Rs.10,000 on International Flights when booking is done via MakeMyTrip.com. Additionally, cardholders can avail savings of Rs.1,200 on domestic flights when booking is done through ClearTrip.com.

    3X Rewards:

    For the first 12 months of availing the card, HSBC Platinum Credit Card users are liable to receive 3X rewards on transactions related to hotels, dining and telecom categories.

    No fee:

    The best part of procuring this card is that customers need not pay any joining fee or annual fee.

    Features of the HSBC Platinum Credit Card:

    Movie offer:

    HSBC Platinum Credit Cardholders, on spending more than Rs. 50,000 in a calendar month, can receive a voucher for movie tickets that is worth Rs. 500. Apart from this, they are also liable to receive upto Rs. 3000 worth free tickets annually as part of this offer. Users will be sent an SMS containing a unique 'Promotion Code' within 30 days of the offer period.

    When cardholders book two movie tickets on the BookMyShow mobile app using their HSBC Platinum credit card, charges will be waived for one ticket, effectively paying for just one movie ticket. Cardholders must note that only one free ticket can be availed per calendar month and add-on cards have a separate eligibility criteria. This offer is valid until 31 August 2017.

    Dining Privileges:

    HSBC Platinum Credit Card holders can avail fantastic discounts on gourmet dining experiences of up to 20% as part of the HSBC Dining Privileges in various top cities.

    Waiver on Fuel Surcharge:

    For spends between Rs. 400 and Rs. 4000 done on fuel purchases, customers can now enjoy a surcharge waiver of a maximum of Rs.250 per calendar month.

    Air Miles Conversion:

    Air Miles conversion can be done if cardholders are travelling by flights from Jet Airways or Singapore Airlines.

    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.

    Visa Concierge Services:

    All HSBC Platinum Credit Card users can have access to the Visa Concierge Services at all times, from any corner of the globe.

    Emergency Card Replacement:

    If customers lose their HSBC Platinum Credit Cards, while abroad, they can contact the HSBC Helpline numbers or the Visa Global Assistance Services. Post this, an emergency card will be issued within 3 days. Instead of this customers can also choose to procure emergency cash at more than 20,000 outlets all over the world.

    Loan on Phone:

    Customers have the option of paying for the item of their choice such as a TV, Laptop or even a holiday through their phone thanks to the Loan on Phone feature available on their HSBC Platinum Credit Cards. Customers can contact the HSBC Phone Banking service within 15 days of purchase in order to convert the same into a loan.

    Acceptance Worldwide:

    The HSBC Platinum Credit Card is accepted world over in more than 18 million outlets and at over 100,000 outlets within the country itself.

    Balance Transfer Perpetual (Perpetual BT):

    Customers can now transfer their outstanding credit from other banks that is above Rs. 3000 to their HSBC Platinum Visa Credit Cards at low rates of interest with no defined term as such. The interest charged on the balance that is transferred is 1% - 1.2%, every month. Users need to only ensure that a minimum payment of 5% of the outstanding balance transfer amount (A minimum of Rs. 100) is made and in case of an early repayment of this amount, foreclosure charges are not applicable. However, a processing fee at 1% (a minimum of Rs. 149) is charged.

    Instant EMI:

    HSBC Platinum Credit Card users can rejoice as shopping is now a much more convenient and enjoyable experience. Customers can pay for their favourite purchases through EMIs using their HSBC Platinum Credit Cards. Customers can also earn Reward Points on these EMI transactions. Users have the option of paying EMIs for tenures that vary from 3 to 12 months. All of this without the requirement of additional documents, however interest rates and processing fees are applicable.

    Conversion of Balance:

    Customers now have the option of converting their outstanding balance into EMIs. Users can choose tenure options ranging from 6 to 12 months and a processing fee of 2% is applicable on each balance conversion request. Apart from this, 15% per annum will be the interest rate that is charged, along with a processing fee of 2% that would be levied on the balance amount, converted to the HSBC Platinum Credit Card.

    Rewards Programme:

    HSBC Platinum Credit Card users can now earn 2 reward points on every purchase worth Rs. 150. These rewards can be redeemed by calling HSBC Phone Banking or visiting the HSBC website.

    Balance Transfer on EMI:

    This one-of-a-kind feature allows users to transfer any amount that is outstanding on their other credit cards to their HSBC Platinum Credit Cards with the option to repay in simple installments every month, at a low rate of interest. Customers also have the option of choosing their repayment tenure of either 6, 12, 18 or 24 months. An interest rate of 15% per year or 1.25% per month for a tenure of 6 or 12 months is applicable and an interest rate of 18% per year or 1.50% per month is applicable on a tenure of 18 or 24 months. A processing fee of 1.5% of the Balance Transfer on the EMI amount for an option of 6 months and 1% for the other tenure options is also charged. A minimum of Rs. 149, will be charged as processing fees.

    Cash on EMI:

    This feature ensures that HSBC Platinum Credit Card holders can procure the cash advance facility on their card and pay back through easy EMIs. Rate of interest applicable will be 18% per year to 24% per year for their cards. Customers also have the option of choosing a tenure of either 6, 12, 18 of 24 months to repay the loan. Apart from this, a processing fee of 2% to 3% is also charged (a minimum of Rs. 200).

    Free Period of Credit:

    Users can receive a credit free period of a maximum of 52 days without additional finance charges. However, this option is available only if the outstanding amount on their HSBC Platinum Credit Card is paid in full before the due date. If a part of the payment is made, then there will be interest charged and this period is not applicable for transactions related to cash advance.

    Extended Credit Facility:

    HSBC Platinum Credit Card users can purchase the item of their choice by only paying the minimum due amount and then paying the rest at a later date. However, a finance charge of 39.6% annually or 3.3% per month is applicable.

    Access to International ATMs - Cash Advance:

    Users can withdraw cash from more than 700000 ATMs affiliated to MasterCard/Visa/Cirrus and at all HSBC ATMs. Users also have access to cash from any other ATM/authorised cash advance/authorised money changers to a maximum of 50,000 per day. There is also a transaction fee and finance charge that is applicable on the cash advance option. Finance charge is applicable from the day cash is withdrawn until the day all dues are repaid completely. Additional identification details may also be requested if cash is being withdrawn over the counter.

    There are additional facilities available at HSBC ATMs within the country. Customers can find out details regarding their minimum due payment, credit card account balance, PIN change, payment due date enquiry, latest credit card statement etc.

    Foreign Exchange Entitlement:

    Under the Foreign Exchange Management Act (FEMA), 1999, customers can use their HSBC Platinum Credit Cards to pay for expenses within their credit limits, regardless of foreign exchange entitlement.

    Bank Account Access:

    HSBC Platinum Credit Cardholders have the benefit of accessing their bank accounts through their cards for transactions related to withdrawal of cash, funds transfer, request for statements within the country, request for cheque books etc. A transaction fee is also charged.

    Internet Banking:

    HSBC Platinum Credit Card holders have the option of using their credit card numbers and ATM PIN to get themselves registered for Personal Internet Banking to create an ID and password of their choice. They also have the option of checking their credit card transactions, redeem reward points, download their statements and also communicate using the online messaging option.

    Phone Banking:

    With the help of the Phone Banking facility, customers can pay their bills, find out information related to their outstanding balance and much more without having to go to the bank directly.

    Online Payment Service:

    HSBC provides an OTP or a One Time Password for greater security and hence secures their HSBC Platinum Credit Card for usage. This OTP will be sent directly to the customer's mobile number through an SMS.

    Additional Credit Cards:

    HSBC Platinum Credit Card users can now apply for a maximum of three credit cards for their family including their parents, spouse, siblings or children who are above 18 years of age. These additional cards will also enable the customer's family to share the primary credit card limit. These additional card holders can also access their HSBC accounts through their card. Whenever applicable, the annual fee will be included in the account statement and will not be provided in a separate monthly statement.

    Fees and Charges:

    Joining FeeNil
    Annual fee – First yearNil
    Annual fee – Second yearNil
    Finance charges on extended cash and credit advances39.6% per year or 3.3% per month calculated from the date of transaction
    Minimum payment due – extended credit usage5% of the total payment that is due ( a minimum of Rs. 100)
    Duplicate statementsIf over three months then Rs. 100
    Cheque bounce/Unsuccessful ECS paymentRs. 350
    Cash advance limit against credit card accountAs written in the user’s monthly statement
    Cash advance transaction fee2.5% of the transaction amount (a minimum of Rs. 300)
    Cash withdrawal transaction fee at ATMs abroadRs. 100
    Cash withdrawal transaction fee at non-HSBC ATMsNil
    Overlimit feeRs. 500
    Late payment fee50% of the minimum due amount (a minimum of Rs. 400 and a maximum of Rs. 750)
    Sales slip retrievalRs. 225 per month
    Out of town cheque processing

    Up to Rs. 10,000, Rs. 50 is charged

    Between Rs. 10,000 and Rs. 1 lakh, Rs. 100 is charged

    If over Rs. 1 lakh, Rs. 150 is charged

    Credit Card Replacement fee, within and outside IndiaRs. 100
    Currency Conversion Charge3.5%
    Balance enquiry on credit card at non – HSBC ATMsNil
    Rewards redemption – handling feeFor every redemption, Rs. 50 is charged
    Copy of credit Information reportRs. 50

    HSBC Platinum Credit Card FAQs:

    1. How does the Rewards Program work?

      HSBC Platinum Card users can earn two Reward Points every time Rs. 150 is spent on their credit cards. These Points can then be exchanged for a variety of fantastic gifts and vouchers. Apart from this, customers can also earn EXTRA points when they shop from partners such as Wills Lifestyle, Vodafone, Godrej Interio and others. These points are valid for a maximum of three years.

      Apart from this, customers also stand to earn up to 5X rewards on purchases made after spending a maximum of Rs. 400000 a year up to a maximum limit of Rs. 1000000 annually. The regular Reward Points earned will be added on the HSBC systems whereas the EXTRA Reward Points will be credited at the end of the month and will be shown in the next month's statement. It is to be noted that once customers receive 5X rewards, they will no longer be eligible to receive the 3X rewards.

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

      The late payment charges that are applicable depends on the minimum payment that is due. The table below illustrates this further. The amount charged as penalty for late payment is 50% of the minimum amount that is due. However, the minimum penalty amount charged is Rs. 400 and the maximum is Rs. 750.

      Minimum Payment DueLate Payment Charges
      100400
      250400
      500400
      1000500
      1500750
      2000750
    3. Is there a joining fee charged?

      No, there is no joining fee applicable while procuring a HSBC Platinum Credit Card.

    4. What are some of the payment options that are available?

      Some of the payment options that are available are Electronic Fund Transfer, Visa Money Transfer, Over the Counter, Visa Bill Desk, Draft/Mail Cheque and Phone Banking among others.

    5. How can customers apply for a HSBC Platinum Credit Card?

      Customers can apply for a HSBC Platinum Credit Card in different ways such as -

      • By applying via the HSBC website.
      • By calling the HSBC Phone Banking numbers
      • By visiting the closest HSBC

    HSBC Visa Platinum Credit Card Reviews

    • HSBC Bank Credit Card
      "HSBC credit card"
      0.5 4.0/5 "Great!"
      I hold a credit card with HSBC and the limit with the card is fine. I get free movie tickets with book my show. Its a life time free card. I have not yet done any EMI conversion. I have not checked for the reward points and cash back with the card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 20, 2018
    • HSBC Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      HSBC is overall good and the customer services are good. I hold a credit card and the offers are good. The credit limit is also good and there are no issues while using the card. There are charges taken for the card. In all it has been good overall without any inconvenience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The credit card service i s good from the HSBC bank , I use the HSBC visa platinum credit card for more than a year. The credit limit value is good with this card and I am satisfied with it. The customer support and the response part is good from the HSBC bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2018
    • HSBC Bank Credit Card
      "good experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most public sector bank HSBC BANK. I am totally satisfied by their credit limit which is 1,25,000. The customer service is good and well responsive. I didn't faced any online failed transactions while am using the card in online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • HSBC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having HSBC credit card from last 4 years, the credit card services are pretty good when compared to all other credit cards. There is no annual fee charged for this credit card. I get good cash back offers and buy 1get 1 movie tickets every month from book my show. I am happy with the credit limit in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • HSBC Bank Credit Card
      "Excellent credit card"
      0.5 5.0/5 "Blown Away!"
      Hsbc Visa Platinum credit limit Im happy with the customer service they gave the happy limit but the expectation is little high but the given limit is happy now .I had used this card for shopping all such multi purpose this is totally excellent credit card.Only rare usage with this credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Hsbc Visa Platinum credit card has been used by me for more than a year. The customer support service is good with the HSBC bank and they give good response to the customers and I can use this cad for the balance transfer which is very helpful and the interest rate is also very less when compared with other cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Hsbc Visa Platinum credit card has been used by me for more than a year. The customer support service is good with the HSBC bank and they give good response to the customers and I can use this cad for the balance transfer which is very helpful and the interest rate is also very less when compared with other cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Hsbc Visa Platinum credit card for more than 17 years. The customer support is very good with the HSBC bank. The credit limit value is good with this card and I am maintaining the same limit since from the year 2004. The rate of interest and the charges are average with the HSBC bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HSBC bank. The credit limit was satisfactory and I am holding visa platinum International card . The customer service and responses was up to the mark.I am getting reward points and cash back offers as benefits .My overall experience was really good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      My credit card was taken with HSBC bank . The credit limit was 5 lakhs which is satisfactory and i hold visa platinum card . The customer service and responses was not good. I am getting card points a benefits and airport lounges access but could not use it later which is disappointing.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      My credit card was taken with HSBC Bank. The credit limit was 1,13,000 which is satisfactory .The customer service and responses was up to the mark. I am holding visa platinum card and I have 24.7 helpline number .I am getting reward points as benefits .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have an Hsbc credit card taken from Hsbc Bank, the limit they have offered is up to Rs. 1,50,000, where as I was expecting a bit more credit limit, I have got a lifetime free card so its good. The offers and benefits in the credit card are also nice, I would rate it as an average card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 17, 2018
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am pretty happy with HSBC for the credit card. The customer services and response is good and there are no hassles. I received the card on time and the credit limit is good. It is a life time free card. The best option I liked about the card is because it is free.
      Was this review helpful? 0
      , thane
      Reviewed on Apr 16, 2018
    • HSBC Bank Credit Card
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I have not yet got the PIN for the HSBC credit card. So I am not sure if I can still use the visa platinum credit card at the moment. But I received the card on time and the process was also smooth. The credit limit is okay. It is a life time free card. Overall good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 14, 2018
    • HSBC Bank Credit Card
      "Experience is good"
      0.5 4.0/5 "Great!"
      I hold a visa platinum credit card with HSBC and the process was easy. I had no issues and I got the credit card on time. The credit limit is also good and there are no hassles while using it. The bank has offered me a limit of 1.85 Lakh. It is a life time free card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 14, 2018
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a Hsbc Visa Platinum Credit Card, I am getting good limit on the card, and itâ??s a lifetime free card they have offered. It has been very resourceful credit card as i have no extra expenses on it for maintaining this card, its a good credit card for your personal uses, and benefits are also OK.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 13, 2018
    • HSBC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a life time free credit card and the credit limit of around Rs. 80,000 from Hsbc Visa Platinum Credit Card, the options available with this credit is pretty decent in terms of the features and benefits this card has got. Over all I would rate this credit card as an average keeping in mind the limit they have offered me and benefits.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 13, 2018
    • HSBC Bank Credit Card
      "HSBC Visa credit card "
      0.5 5.0/5 "Blown Away!"
      I have recently taken Hsbc Visa Platinum Credit Card. The card is lifelong free and no conditions are attached with it... Moreover it comes with great joining benefits like 10% cash back max upto 3000/-, free book my show vouchers and Cleartrip 1000/- Rs discount.. Icing on cake is from Bank Bazaar , they had given me 750/- Amazon voucher... Overall very good experience with bank bazaar and excellent card from hsbc..
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 13, 2018
    • HSBC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The customer support service is good with HSBC bank. They have delivered the Hsbc Visa Platinum credit card within 15 to 20 days of time. The credit limit value is good with this Hsbc Visa Platinum credit card and I am satisfied with the limit,
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 13, 2018
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