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  • HSBC Visa Platinum Credit Card

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    Fee Details

    Key Highlights of HSBC Visa Platinum Credit Card

    • A lifestyle credit card with attractive offers and rewards.
    • Zero joining fee and annual fee.
    • Exciting introductory offers.
    • Accelerated reward points on select categories.

    Lifestyle Benefits offered by HSBC Visa Platinum Credit Card

    • Complimentary travel vouchers.
    • 10% cashback within first 60 days of card issuance.
    • Up to Rs.3,000 worth movie vouchers per year.
    • 15% off on dining at partner restaurants across major Indian cities.

    Features and Benefits

    The HSBC Visa Platinum Credit Card comes with a host of features for the cardholder. Here’s a list of all of them: 

    Zero joining fee and annual fee: All the features and benefits on the card can be enjoyed at zero cost. Yes, you read it right. HSBC offers the Visa Platinum Credit Card without any joining fee and annual fee.  

    Introductory offers:  

    • Gift voucher: Get 2 Cleartrip vouchers worth Rs.1,000 each within 60 days of completing first transaction on your HSBC credit card. Offer valid only on the cards issued on or before 20 July 2019.
    • Cashback: Avail up to 10% cashback on all expenses made using the card within the first 90 days of receiving the card. The minimum transaction amount should be Rs.10,000 and the maximum cashback you can receive is Rs.2,500 per card. Offer valid only on HSBC credit cards issued on or before 31 March 2019.
    • 3X reward points: Earn 3 times more reward points, i.e., 6 reward points for every Rs.150 spent on dining, telecom, hotels categories for 12 months from the time of card issuance.

    Reward points program: 

    • Earn 2 rewards points on every Rs.150 spent on all retail purchases.
    • Up to 5 times more rewards points i.e., 10 reward points on every purchase made after the annual spend threshold of Rs.4 lakh up to a maximum of Rs.10 lakh within 12 months of card set-up.
    • Accrued reward points can be redeemed for a wide range of redemption options including gifts, vouchers, airline miles, donation and charities.

    Spend based rewards: Win a free entertainment ticket voucher worth up to Rs.500 on spends of Rs.50,000 or more in a calendar month. Maximum Rs.3,000 vouchers can be availed per cardholder in a year.  

    Dining privileges: Through HSBC’s Simply Indulge dining program, you can avail up to 15% discount at select restaurants in your city.  

    Fuel surcharge waiver: Enjoy surcharge waiver on fuel transactions between Rs.400 and Rs.4,000 valid at all petrol pumps across India. The maximum waiver is capped at Rs.250 per month.  

    Zero liability on lost card: Report the loss of the HSBC Visa Platinum Credit Card within 24 hours and remain zero liable for any fraudulent transactions that might happen on the card.The policy would cover up to 24 hours before reporting the loss for up to Rs.3 lakh.  

    Emergency card replacement: If you lost the credit card while travelling abroad, you can receive a new card upon request.Simply contact the HSBC credit card helpline numbers or the Visa Global Assistance Services and request for card cancellation and replacement. An emergency card will be issued within 3 days of reporting across the globe. You can also opt for emergency cash services available at over 22,000 outlets around the world. 

    Global acceptance: The HSBC Platinum Credit Card can be used at over 18 million outlets and at over 1 lakh locations in India and globally. 

    Loan on Phone: You can convert your purchases of minimum value of Rs.2,000 into EMIs within 15 days of the transaction. Multiple tenure options including 6, 12, 18, and 24 with interest rates ranging from 18% to 23.88% per annum are available on the facility. 

    Instant EMI: The credit card Instant EMI facility offers a convenient experience to convert the purchases into EMIs while purchasing the product at the merchant terminals. The minimum transaction value should be above Rs.2,000 to convert into EMI.Various tenure options including 3, 6, 9, 12, 18, and 24 with interest rates ranging from 12% to 15% per annum are available on the facility. 

    Add-on credit cards: You can apply for up to 3 add-on credit cards for your immediate family members including siblings, spouse, parents and children, above 18 years of age. The add-on cards will be provided at no extra cost. All the expenses on the cards will be billed against the primary cardholder and the same goes with the spending limit.  

    Fees and Charges

    Type of fee or charge Amount (Rs.)
    Joining Fee NIL
    Annual fee NIL
    Interest rate 3.3% per month
    Cash withdrawal fee 2.5% of the transaction amount (subject to a minimum of Rs.300)
    Rewards redemption fee Rs.50 per request
    Duplicate statement fee Rs.100 per statement which is older than 3 months
    Cheque bounce/Unsuccessful ECS payment Rs.350
    Cash withdrawal fee at foreign ATMs Rs.100
    Overlimit fee Rs. 500 per month
    Late payment fee 50% of the minimum due amount (subject to a minimum of Rs.400 and a maximum of Rs.750)
    Sales slip retrieval fee Rs.225 per month
    Out-of-town cheque processing
    • Rs.50 for up to Rs.10,000
    •  
    • Rs.100 for processing amount between Rs.10,001 and Rs.1 lakh
    • Rs.150 for cheque amount more than Rs.1 lakh
     
    Credit card replacement fee - India and abroad Rs.100
    Currency conversion fee 3.5%
    Cash payment at HSBC branches Rs.100
    Copy of Credit Information Report Rs.50

    Eligibility Criteria

    The basic eligibility to apply for HSBC Platinum Visa Credit Card is provided below: 

    • Minimum age of the applicant must be 18 years and maximum should be 65 years.
    • Only salaried individuals can apply for the card.
    • Minimum gross annual income should be Rs.4 lakh.
    • Should be a resident of the cities in which the credit card is offered. Currently, the card is available in major cities such as Mumbai, Delhi, Pune, Bengaluru, Chennai, Hyderabad, Noida, Gurgaon, and Kolkata.

    Documents Required

    If you’re eligible to apply for the HSBC Platinum Visa Credit Card, below are the documents you need to submit to process the application.

    • Latest copy of pay slip or salary certificate from the employer.
    • Copy of existing credit card and latest credit card statement.
    • Last 3 months bank statements indicating salary credits.
    • Proof of residence, identity and PAN card or Form 60. 

    FAQ's

    What is the credit limit on the HSBC Visa Platinum Credit Card?

    The credit limit on HSBC Visa Platinum Credit Card will be communicated to you by HSBC at the time of card issuance. You can also find it in your credit card statement generated every month. The bank reserves the right to reduce the credit limit on the card at any time. You can also apply for review of the assigned credit limit at any time after completing six months.

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

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

    How does the rewards system work on the Visa Platinum Credit Card?

    You can earn 2 rewards points for every Rs.150 spent. Also, if you have already spent more than Rs.4 lakh in a year, every subsequent purchase after that will get you up to 10 rewards points.For spends on dining, telecom, and hotels, you can get up to 6 rewards points for the first 12 months of card set-up.

    What is the validity of the reward points on the Visa Platinum Card?

    All the reward points accrued on the Visa Platinum Credit Card are valid for 3 years. After the 3-year period, you will lose all the points if the points remain unused.

      

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    HSBC Visa Platinum Credit Card Reviews

    • HSBC Bank Credit Card
      "Need to provide the right information."
      0.5 2.0/5 "Expected more"
      The benefits on cashbacks and reward point is the main reason for choosing the credit card from HSBC. I was getting mainly online shopping offers like 5% in various website and restaurants. I am getting free lounge access in Airport. They were asking me to provide the voter id for the verification which is not available hence i haven't given after that they haven't contacted me. I was not happy about the process. Executive behavior was not polite when they came for document collection.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 01, 2020
    • HSBC Bank
      HSBC Bank Credit Card
      "They should improve the approval process"
      0.5 1.0/5 "Really Bad"
      There is no any such kind of reason for applying the HSBC credit card. Features are beneficial to the customer. There is no annual fee for this card and they are providing free airport lounge access facility, flexible payment options. I don't receive any call from HSBC but they have simply rejected my credit card application.
      Was this review helpful? 2
      , delhi
      Reviewed on Mar 01, 2020
    • HSBC Bank Credit Card
      "Need to improve the process"
      0.5 4.0/5 "Great!"
      I have tried to use HSBC card earlier because many people told me that this is a good card to use when i go for proposal of getting this card they have rejected my application without providing any particular reason. I have not provided the document in online but in over the phone call, they have asked my PAN card number and all after that there is no response.
      Was this review helpful? 2
      , faridabad
      Reviewed on Feb 28, 2020
    • HSBC Bank Credit Card
      "It could be better"
      0.5 2.0/5 "Expected more"
      There was a hidden fee which is not mentioned earlier after i applied the card only, they have informed me about the same. They called me from HSBC to get a confirmation about the card delivery. Its because of some good offer, i have accepted the offer. I didn't given my documents to them.
      Was this review helpful? 2
      , bangalore
      Reviewed on Feb 28, 2020
    • HSBC Bank Credit Card
      "Not good card"
      0.5 1.0/5 "Really Bad"
      I got an offer about HSBC credit card hence I applied this card and it was a life time free. Their executive told me that they will come to my place for collecting the documents even though i have kept all the document ready but nobody came till now. There is no proper follow up from this bank. They must keep up their words with the customer.
      Was this review helpful? 1
      , chennai
      Reviewed on Feb 28, 2020
    • HSBC Bank Credit Card
      "Process to be improved"
      0.5 1.0/5 "Really Bad"
      I got the pre-approved card offer from HSBC bank so that i had applied the credit card from the same bank. Its a life time free credit card to use. The executive explained me about the card features but no one came to my place to collect the documents after that there was no proper follow up from the bank side.
      Was this review helpful? 1
      , chennai
      Reviewed on Feb 27, 2020
    • HSBC Bank Credit Card
      "Need to improve the communication with the customer"
      0.5 1.0/5 "Really Bad"
      I thought HSBC is a good bank hence I get a deal so that I have applied the card with them but no one contacted me to collect the documents. I haven't contacted the customer care service. There is no any additional charges and it was a life time free credit card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jan 31, 2020
    • HSBC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Based on my eligibility, I got an offer only with HSBC card and there is no annual fee for this card because its a life time free with the lower interest. When i get the flight ticket, there was a good cashback offers. Since i got the new card from other bank, I have rejected the card from my end.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 31, 2020
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I'm using HSBC visa platinum credit card and this card has a movie tickets offer. Its a life time free credit card hence there is no annual charges. Every month, when i book movie tickets, am getting 1 +1 movie ticket. I have contacted their customer care that was good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jan 22, 2020
    • HSBC Bank Credit Card
      "Most benefited card"
      0.5 5.0/5 "Blown Away!"
      I don't have any particular reason for selecting the credit card from HSBC. The card is accessible in all the shopping place where I'm located in my city even in small shops also they are accepting it. They gave me annual fee free post that i got a Amazon gift voucher. Probably, if my spending limit exceeds more than Rs. 30000, annual get waived off. It has most of the features and this is a wifi card if i swipe till Rs. 2000.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 18, 2020
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a HSBC credit card which was applied through online. This is a life time free credit card and i am not happy with the service. I am getting reward points that can be convert as a cash back as well as fuel, customer service and response was good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 17, 2020
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HSBC Bank platinum credit card which was taken through Bank directly .I am utilizing this credit card almost 1 year .This card is having best facility of airport lounge access and have discounts for shopping and dinning that is really useful and pretty good .
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 03, 2020
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      HSBC is an international bank so that I had opted for this card. One of my friends is working in this bank, so during at that time i have taken this card. There are so many messages coming regarding offers but I don't see and i just delete it. They have given me a credit limit of Rs. 3 lakhs. When I purchase in Amazon, I got some rewards points.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 27, 2019
    • HSBC Bank Credit Card
      "No proper follow up"
      0.5 1.0/5 "Really Bad"
      HSBC is a very good bank thats why i have chosen this bank. Rewards points are more when i compared to other bank. Benefits are good. Annual fee is nothing. From bank side, they have not informed me anything regarding the rejection even though i got a good credit score.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 26, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Purchased my HSBC bank credit card 6 months back but i didn't use the card much. For the rewards points, i will be using the card. Its very difficult to remember the pin number hence i used to regenerate password but its a completely secured card. They have given me a limit of Rs. 60000 was not sufficient for me.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 23, 2019
    • HSBC Bank Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      People who used HSBC credit card, said the card features are good, They are giving 5% discount on purchase so that i had applied the credit card. No one turned up to collect the documents because I'm residing at Chennai hence no branch was available in my location so that the card got declined.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 23, 2019
    • HSBC Bank Credit Card
      "Okay okay card"
      0.5 4.0/5 "Great!"
      I was applied for a HSBC credit card through online. I am okay with the credit limit, they have given 1.5 lakhs and actually this is a new credit card only 2 months statements has been generated and i had some reward points that i redeemed on book my show. Documentation process was smooth and i received this card within 2 weeks.This is a free card and the rate of interest was normal.
      Was this review helpful? 1
      , noida
      Reviewed on Dec 17, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Without any particular reason i have selected the credit card from HSBC. I do not get any benefits on this card. I have received the card before the promised time and i don't get any joining offer. They have given me a credit limit of Rs. 1 lakh. This is a life time free card hence there is no annual fee.
      Was this review helpful? 2
      , kolkata
      Reviewed on Dec 16, 2019
    • HSBC Bank Credit Card
      "Nice Card"
      0.5 4.0/5 "Great!"
      Generally i have chosen the credit card from HSBC and this card is a life time free hence there is no fee waiver. I get a cashbacks offers when i do a purchase in online. I use this card for since 3 months. They have given me a credit limit of Rs. 1.60 lakhs. Its a hassle free card to use.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 16, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HSBC Bank credit card which was taken through Bank directly.I have got the credit card on delay basis it took 20 days but not yet got the reason .The credit limit was very less it was 49,000 and this was a free card .I have chosen platinum card and got the same credit card.
      Was this review helpful? 2
      , noida
      Reviewed on Dec 13, 2019
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