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    HSBC Visa Platinum Credit Card is Rated as "Excellent!" by 808 Users

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    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 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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I was Looking for a credit card with the better offers,I found the HSBC VISA PLATINUM CARD online and applied for it. The limit is okay. I haven't used the cad much so it is too early to comment on the features and benefits associated with the card. So far it has been a good experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2018
    • HSBC Bank Credit Card
      "Good Service so far"
      0.5 3.0/5 "Satisfactory"
      I've bought the HSBC VISA PLATINUM CARD card for a while. HSBC contacted me and the service was fast.The limit is pretty good and they're sending offers. I haven't used the card much and so this is too early for a thorough commend on the benefits and offers connected with this card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 21, 2018
    • HSBC Bank Credit Card
      "Offers are less"
      0.5 3.0/5 "Satisfactory"
      There is a flight ticket booking offers is there but which is not required for me. If i spend a minimum of Rs. 10000 then i will get a cashback of 5% offer in snapdeal. I used to receive a proper notification regularly regarding the offers from HSBC people. I got the card 1 month before. They have offered me a credit limit of Rs. 1.12 lakhs and I'm satisfied about it. It is a free card
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2018
    • HSBC Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      I have been using this card for 1 month. HSBC, they are many offers are there. Cashbacks and rewards points is there. In Goibibo, there 10% cashback offers on Hotel booking and travel booking. In booking my show 1+1 movie tickets offers. I'm not aware of the credit limit. I have purchased in online and offline by using this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2018
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      No one has explained about the annual charges. Its showing 0 as annual fee in online. I have been using this card for 1 years. I'm not getting any offers on my mail every day. I never used the any of the offer. In my mobile, they are not sending the offer. I'm using this card for day to day usage. So i have never got any cashback or rewards points. If i use 30000 in 45 days, i will get a cashback of Rs. 3000. My bill got generated and i made the bill also. I used to making the payment through net banking. Its taking 4 working days to transfer the money from HDFC to HSBC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2018
    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Till now i haven't received any offers. After 9 transaction only they used give the offers. Bookmy show 1+1 offer is there. I have purchased some groceries and dining purpose. I have not received any cashback offers. Its been 20 days since i use the card. They have entered wrongly my address in the application Hence i have received the card late. It took almost 20 days extra to receive the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2018
    • HSBC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting the card has taken a little more than usual. They had provided me with a very good credit limit and there has been good benefits and features with the card as well. I have been using the card for shopping and all and there has not been any issues so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Cheap card to Use"
      0.5 4.0/5 "Great!"
      It is a life time free card. Their is a problem in this card. When they have offered me a they told me that i will receive Buy 1 + Get 1 tickets offers. After i received the card only i came to that this offer applicable only on Saturday. I have not received the card on time. I have done the follow up to get the card. The credit limit which they have offered me is very less. They said they will offer Rs. 5 lakh as credit limit but they have offered me around 2 lakhs. Its not user friendly in online.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I bought the HSBC VISA PLATINUM CARD online. The limit is good, Process was also good. Above all it is a lifetime free card and I'll have to use it more to get a clear idea about the benefits and features. So far it has been a good experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Awesome Card"
      0.5 5.0/5 "Blown Away!"
      I don't find any issues with the HSBC credit card. They have provided me credit limit of Rs. 1.70 lakhs and overall I'm happy about it. There is flight tickets offer is there. It is a cashabck on Goibibo website. Some of the offers in restaurants. Instant pay in coffee day outlets. I have contacted the customer care service, it is pretty good. Within a minimal time it
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Its not a powerback reasonable card because its a free card"
      0.5 4.0/5 "Great!"
      I think it is a life time card. Initial cashback offers are there. It is 10% cashback of all my purchase maximum of Rs. 10000. For that minimum of 9 transaction is must. Rewards point also is there. I'm not completely aware of the card. I don't know about the rewards points also. I cannot convert the rewards points into cash. I have purchased a lot of things by using this card. Airline ticket cashback offer is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Offers are very good"
      0.5 5.0/5 "Blown Away!"
      I am not aware of the annual charges. I think their is no annual fee. Basically i don't see many offer. Basically the offers in makemy trip is really Good. For domestic flight booking 20% upto Rs. 1500 off. They have some limitation on that for the minimum amount to book. Their is a offer in Goibibo also. There is 20% off on every Tuesday for all the domestic hotels.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Good Card to Use"
      0.5 5.0/5 "Blown Away!"
      It is a life time free credit card that is the best thing about this HSBC Visa platinum card. I'm not more interested in offers what they provide. They have offered me a credit limit of Rs. 2.60 Lakhs and I'm glad about it. I have taken this card 2 months before.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "ATM should be everywhere"
      0.5 2.0/5 "Expected more"
      I'm staying in Pune. There are 3 ATM only available in Pune i could not able to change the pin. After changed the pin only i can able to use. In net banking also i cannot able to access because of the ping. It is around 30 to 40 kms away from my places. They should give option a change pin in online. After the pin generation only i can activate the net bank it has to changed. I'm thinking of canceling the card due to this issue.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Great Card"
      0.5 5.0/5 "Blown Away!"
      The discounts offers on the movie tickets and flight tickets. I never use this offer. I'm planning to use it by next month. The cashback offers for the petrol. The sur charged will get waived off in the petrol station. I have started using this card by 1 month. I have got a credit limit of Rs. 1.5 lakhs but i was expected little but higher in this. I used to do a online transaction frequently. I don't use the offers on online. I used to receive the message regularly.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Useful card to have"
      0.5 5.0/5 "Blown Away!"
      I have taken the credit card very quickly. I don't remember about the benefits of this card. I purchased groceries by using this card. I have got a cashback offers for it. I have got a credit limit of Rs. 1 lakhs but i was expected more than 3 lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2018
    • HSBC Bank Credit Card
      "Good to have HSBC card"
      0.5 4.0/5 "Great!"
      I used to received a offers on makemy trip.com. If i purchase a amount of Rs. 30000 then i will receive voucher of Rs. 2500 from makemytrip.com. And the movie ticket offers is available. I will get a voucher of Rs. 500 from bookmy show. I have purchased a card 1.5 months back. I've got very less credit limit when i compared to other cards. Now I'm not fully know about this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 19, 2018
    • HSBC Bank Credit Card
      "Pathetic Experience"
      0.5 1.0/5 "Really Bad"
      I'm unable to use this card. I called to the customer care for regarding this issue, they said they will give call back but they have never called back. I'm not a privilege to use this card. I have received a credit limit of Rs, 1.35 lakhs. The error shows like unable to complete the transaction due to some issue. I'm not sure about the issue. I have got a card 15 months back.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 19, 2018
    • HSBC Bank Credit Card
      "Very Convenient Card"
      0.5 5.0/5 "Blown Away!"
      They have responded me in a prompt service. I don't find much offers on this card. Within 7 days i got the card. When i applied the card they have promised me about the fast track delivery. I have received a mail regarding the offers but i did not open the mail. I have purchase a gold and other stuff. I'm aware of the annual fee but which is rs. 500. The annual fee will be waived off if i use Rs. 20000. So far i never called to their customer care. Their is no proper net banking services for HSBC credit card
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 19, 2018
    • HSBC Bank Credit Card
      "Useless card"
      0.5 1.0/5 "Really Bad"
      So far i have not even done a single transaction. It is not a useful card. They said they will give bookmyshow voucher but lots of terms and conditions are there. When i come to know about the terms and condition i hate this card. They have not explained about the term and conditions. It is a life time card. They have offered me a credit limit of Rs. 1 lakhs actually i was expected more credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 19, 2018
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