Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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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 1382 Users

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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
      "Very Useful card"
      0.5 4.0/5 "Great!"
      Till now i haven't call with the HSBC card. I have not think about the interest rate since i pay the amount on time. I'm keep on getting offers messages which is helpful for me. There are lots of cashback offers on Zomato, restaurants and movie ticket offer. They have offered me a credit limit of RS. 1.20 lakhs and so far I'm happy about anyway I'm expecting little more. If i spend more than Rs. 50000 my annual fee will get waived off. It took 2 months for approval and other process of the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HSBC Bank Credit Card
      "Economical card"
      0.5 3.0/5 "Satisfactory"
      Since this is a life time free credit card, i have opted this card. They have offered me a credit limit of Rs. 1.75 lakhs and I'm very much happy about it. 2 months back, i bought this card. There is a offer in bookmyshow like buy1+Get 1 free offer. My card got delayed for 3 weeks. Regarding the delay, i have contacted the verification person, he contacted me for call back after 2 weeks and given proper information.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 05, 2018
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I had chosen to go with them since because of the services which they are offering and the process in getting this card has been simple. The card has reached on the right time and the credit limit with the card has been satisfactory as well. There has not been any annual charges with this card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 04, 2018
    • HSBC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this card has been good when compared with the other banks and i got the card on the right time. The credit limit which they had given with the card has been less thane expected. I am still to explore the benefits and the features with the card and it has been a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 04, 2018
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this card has been really fast and easy and there has not been any delay in getting the card as well. The credit limit with the card has been okay and there has been some good benefits with this card as well. There has been some annual charges with this card and there has not been an EMI Conversion option on their mobile application.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 04, 2018
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with this card since it was a good card comparing with the other cards. The process in getting this card has been god and the card has reached on the right time as well. I am happy with the credit limit with the card and there has been some good benefits in holding this card as well. There has not been any annual charges with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 04, 2018
    • HSBC Bank Credit Card
      "Good features and offers"
      0.5 5.0/5 "Blown Away!"
      It is a real good experience with HSBC for the credit card. Overall good and I am satisfied. The offers related to movie is good. Last week I got the one plus one ticket including discount on food too. These offers are only on a weekend and the bank fixes the date and I receive an email five days in advance. It is a life time free card and the credit limit is good but can be increased.
      Was this review helpful? 0
      , delhi
      Reviewed on Dec 03, 2018
    • HSBC Bank Credit Card
      "Excellent process overall"
      0.5 4.0/5 "Great!"
      I have taken a HSBC credit card and the banking process is fine. I received the card on time and though I have not used the card much. The credit limit is to my satisfaction. It is also a life time free card. There are good deals overall. The customer services are good too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 03, 2018
    • HSBC Bank Credit Card
      "Awesome card"
      0.5 4.0/5 "Great!"
      I have received the card but however I'm yet to use the card. I spoken with the customer care people regarding the delay of the card. I have applied the card 5 months back. After the verification part also, the card got received after a big late anyway still I'm happy about it. Immediately i have got the response from the customer care. There is no yearly annual fee and this is the main reason for choosing this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 03, 2018
    • HSBC Bank Credit Card
      "Superb Card"
      0.5 5.0/5 "Blown Away!"
      I have already using the other bank credit cards and i just to apply this HSBC VISA PLATINUM CARD. There is no annual fee. They have given me a credit limit of Rs. 1.5 lakhs and I'm happy about it. There is a movie ticket voucher is there for this card. The documentation process was easy. I have not done even a single transaction by using this card.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 03, 2018
    • HSBC Bank Credit Card
      "Excellent process overall"
      0.5 5.0/5 "Blown Away!"
      HSBC has offered me a visa platinum credit card and the process to get the card was good. The customer support and response is fine and the process as well. It is a life time free card and there are good deals of the movie tickets. The credit limit is fine too. For all the other cards the surcharge on fuel is waived off from the day one. But for HSBC, there is a cooling period of 90 days and after which the fee is waived off.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 03, 2018
    • HSBC Bank Credit Card
      "Verification process in tedious"
      0.5 2.0/5 "Expected more"
      This card is absolutely free of cost. I have submitted the documents twice when i applied for the credit card. Once i uploaded the documents through online. I have not received any calls from HSBC people regarding the card disbursal. Since i don't have HSBC card when i have all other credit cards, hence i have selected this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 03, 2018
    • HSBC Bank Credit Card
      "One of the best card"
      0.5 5.0/5 "Blown Away!"
      Using the HSBC Visa platinum credit card for past 1 month. This is a life time free card. I'm satisfied with the credit limit what they have offered to me. I have not availed any offers so far. They have sent so many offers on mobile messages and mail. I have not called the customer care service. I have received the card on time. To activate the card, its very much easy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 02, 2018
    • HSBC Bank Credit Card
      "Process to be quicker"
      0.5 4.0/5 "Great!"
      I just started using the credit card before one month. For initial customer they have given a life time free credit card and credit limit is pretty good compared to others. I have taken HSBC Visa Platinum credit card through online channel. It took long time to dispatch the credit card since when I applied.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 02, 2018
    • HSBC Bank Credit Card
      "Yet to explore the card"
      0.5 5.0/5 "Blown Away!"
      Since my HSBC credit card is free card, i don't need to pay any annual fee. 2 years before, i have purchased my credit card. They have offered me a credit limit of Rs. 1.5 lakhs and I'm satisfied with it. I have got a offer of Rs. 2000 cashback on flight ticket booking. I never tried to speak with their customer care service. I have received the card within 3 days.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 02, 2018
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have applied for HSBC Visa Platinum credit card through online channel. The process was quick and I got the card within a week. I am happy with the credit limit. It is a life time free credit card. The document procedure is okay and it was collected by the executive. I would suggest to have Airport lounge services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 02, 2018
    • HSBC Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      Best about HSBC VISA PLATINUM CARD is annual amount is free. I'm not more interested about the offers. I have purchased this credit card by last month. They have offered me a credit limit of Rs. 1.44 lakhs and I'm happy about it and i will be more happy if they have increased my credit limit. There is a cashback and discounts on e-commerce website. I receive a SMS regarding the offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 02, 2018
    • HSBC Bank Credit Card
      "Need to improve the service"
      0.5 1.0/5 "Really Bad"
      I have not received the card from HSBC BANK but I was getting email and statements. They need to call the customer and to check whether I have received the card its a basic responsibility but they have not done that. I have requested for Platinum card and it was a zero fee card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 02, 2018
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have not used the credit card extensively but it seems to be pretty good. I have no idea about the rate of interest, I have been using it for couple of months. It is a visa platinum card and am happy with the credit limit. It is a life time free credit card. It is bit delayed, couple of days to get the card and the process was taken one week.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 01, 2018
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      The customer service and response was good. I have taken HSBC Visa Platinum credit card and am using the card for a month. The credit limit is average. It is a life time free credit card. The document procedure is simple. They have taken hardly 15 to 20 days to deliver the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 01, 2018
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