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

    We found 1 HSBC Visa Platinum Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    0
    Response Time : Within 30 minutes
    Rs.750 Amazon voucher free
    What you'll love
    Documents
    You'll also love
    Fee Details
    HSBC Visa Platinum Credit Card is Rated as "Excellent!" by 135 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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 1st July 2017 until 31 December 2017.
    • 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 select restaurants and lounges 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.7,500 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
      "GOOD SERVICE "
      0.5 4.0/5 "Great!"
      From past 1 year i am using Platinum credit card of HSBC bank and the customer service is good . They gave me a limit of 43 K and a cash withdraw option 10-15K . They give good offers like cash back , reward points on the card . Its been a good experience with HSBC BANK .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 21, 2017
    • HSBC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with HSBC month back. They have offered platinum card and Its an international card. I get reward points also. The credit limit was 80,000 and I have 24/7 helpline number also. The customer service and response was up to the mark and I would like to recommend to others. My overall experience was good here.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2017
    • HSBC Bank Credit Card
      "Very good experience"
      0.5 5.0/5 "Blown Away!"
      I bank with HSBC for a credit card. I am a very long time customer for almost ten years and more. The services has always been up to the mark and the deals are perfect. I started off with a limit of 25K and now I have around 90K to 95K. I can access my card all over.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 14, 2017
    • HSBC Bank Credit Card
      "Its Better"
      0.5 4.0/5 "Great!"
      HSBC has only one branch in Hyderabad, that is also located in Somajguda, As compared as HDFC, HSBC is good in offers and their limit was satisfactory. Due to the personal reason I have surrender my HSBC credit card. Other than that I don't have any issues with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 14, 2017
    • HSBC Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      HSBC is good in the credit card features. The process was perfect and on time. They have offered me a proper limit and I have not had any hassles for the number of years I am using it. The limit is also good and there are no charges related to my card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 13, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HSBC credit card from last 2 years, HSBC provides good services on credit cards. I find this card very useful when compared to all other credit cards. I get exciting offers like cashback, easy EMI options, I also use this card to fill the fuel and when it comes to credit limit, it is satisfactory.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 13, 2017
    • HSBC Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      HSBC provides plenty of reward points for all transaction and its a life time free credit card. Credit limit is also satisfactory. I am getting discounts on movie tickets at bookmyshow.com. Before a week only I have received credit card with the kit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2017
    • HSBC Bank Credit Card
      "Discounts on Movie tickets and Trip"
      0.5 4.0/5 "Great!"
      With HSBC i hold a credit card.I used to get reward points on every shopping and with clear trip if i make any bookings then i will get either cash backs and reward points.With book my show i get cash back for my movie tickets ,while using HSBC credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 09, 2017
    • HSBC Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      I can say it was the best service from HSBC for my credit card service ,there representatives are not much helpful or responsible I never get any good offers from HSBC ,but I am happy with the overall service . I don't have any issue till now from HSBC service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 07, 2017
    • HSBC Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a life Zero annual fee card with HSBC bank. I use the HSBC platinum visa credit card for more than 3 to 4 years. The customer service is good with platinum visa credit card. The Credit Limit is good with this card and I am happy about it .
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 07, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am holding the HSBC bank credit card from the last six months of time. Response is also good one for me and their customer service is also good one. Offers are also working up to the mark and the annual charges are life time free one.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 04, 2017
    • HSBC Bank Credit Card
      "Closed credit card"
      0.5 2.0/5 "Expected more"
      I had closed my HSBC credit card because their service was not good., I was holding this card for one year. Their response was not good i normally call them to check whether EMI options were there or not but they dont respond properly also their interest rate is very high on this card therefore i had closed the card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 30, 2017
    • HSBC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The credit card with HSBC has been a hassle free experience. I got this credit card in 2012 and the payment option are good one with them. Customer services are good one with them and am very happy with them credit limit they have offered is 1.20 lakhs initially they have offered 30000 rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 28, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Having a HSBC Platinum card for past 6 months. I am happy with the credit limit. They are charging rate of interest is 1.04% which is nominal. The transcation for 1 lakh they charge rate of interest as Rs.700. They offered me many offers but i'm interested in that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 28, 2017
    • HSBC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with HSBC for a credit card and the banking is overall good. There are good deals and the card is also accessible every where. There is a proper customer care as they are responsive when ever I reach out to them. They have convenient options online as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 26, 2017
    • HSBC Bank Credit Card
      "Better Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a HSBC visa platinum credit card for past 10years. I am happy with the credit limit. There is no annual fee with this card. I never converted the payment in to EMI option. The rate of interest is nominal with HSBC credit card. I am satisfied using HSBC Visa platinum credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 26, 2017
    • HSBC Bank Credit Card
      "Easy to hold card"
      0.5 4.0/5 "Great!"
      I hold a visa platinum card with HSBC. In my credit card i used to get 50% off on every movie tickets on Book my show it nearly comes around 500 off for a month. Balance transfer facilities also available. For credit card purchases first 45 days there will be no charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 24, 2017
    • HSBC Bank Credit Card
      "Professional services"
      0.5 5.0/5 "Blown Away!"
      HSBC is another bank I prefer to bank with, because they have the best of services and they are very professional and know how to handle the customer. I hold a credit card and the experience is good and in all there are no unwanted charges taken as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 23, 2017
    • HSBC Bank Credit Card
      "HSBC credit card"
      0.5 4.0/5 "Great!"
      I really appreciate HSBC credit services as the bank managed to issue the credit card in 6 days. Everything is absolutely fine there also their response is good. I am very much happy with the offers, cash limit, also the due date is 90 days to make the payment and that is the best part about them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 23, 2017
    • HSBC Bank Credit Card
      "Shopping with HSBC"
      0.5 4.0/5 "Great!"
      I hold a HSBC platinum credit card . The current limit of my card is 1 lakhs.Its not that too much good nor too much bad. I mostly get offers with my HSBC for online shopping websites like Amazon,Flipkart etc. It gives a happy shopping experience with the credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 21, 2017
    Common Loader Icon
     Loading your search... Loading your search...
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.