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  • HSBC Visa Platinum Credit Card

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    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. 

    How to Apply for HSBC Platinum Visa Credit Card online?

    You can visit HSBC official website to apply for the credit card. Alternatively, you can apply through BankBazaar and can stand a chance to win exciting offers.

    The steps to apply through BankBazaar.com are mentioned here.

    • Click on the ‘Check Eligibility’ button on the page to check your eligibility for the card.
    • Once you clear that, you will find an option to ‘Apply’ for the card.
    • Clicking on it would redirect you to ‘Credit Card Online Application’ page.
    • Fill the required details, upload the relevant documents and click on ‘Submit’.

    Upon successful submission of the application, you will receive an acknowledgement message with the ‘Application ID’, which can be used to track the application status in real-time.  

    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.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    HSBC Visa Platinum Credit Card Reviews

    • HSBC Bank Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I have HSBC Bank credit card which i have taken through Online.I have got this credit card on delay basis.The credit limit was good so far i have not faced any issues .This card is very useful and good to use so far.There are good cash back offers and reward points .I have not reward points much so far .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2019
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the HSBC VISA PLATINUM CARD for the last couple of years, the services with them had been good. There is a good credit limit with this card and it used to provide one plus one movie ticket offers. It does not have any annual charges and i use the card for everything.
      Was this review helpful? 2
      , bangalore
      Reviewed on May 23, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had selected the HSBC VISA PLATINUM CARD since the offers with the card is much better. The process in getting this card has been good and they had delivered the card on the right time. I am satisfied with the credit limit with this card and they had briefed about the features of this card, where it does not have any annual charges.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I had selected the HSBC VISA PLATINUM CARD since it has the best offers available, the process in getting this card was quite easy where i just had to upload some documents and couple of calls where made by them. The card was received within couple of weeks, they had given me with a good credit limit and they had called me up an explained about all the details of the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2019
    • HSBC Bank Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have HSBC bank credit card which i have directly taken through Bank itself .I am not receiving monthly statement billing cycle ,it was not received through email but getting only thorough message that is the issue faced so far ,The credit limit was sufficient and i have got the card without any delay .
      Was this review helpful? 0
      , thane
      Reviewed on May 22, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting my HSBC VISA PLATINUM CARD has been quite easy, where the card was delivered to me on time. But i expected a better credit limit and i did not got the complete details about the card where it would be better if they share the features of the card through a mail or so.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HSBC Bank credit card through Online .I have not faced any issue so far on using this credit card ,This is a smooth process,The credit limit was good dont need big limit so satisfied with the limit .I have received the credit card on time .The agent gave all the information about the credit card ,There are cash back offers and reward points .I have choosed this credit card since have more offers .
      Was this review helpful? 0
      , kolkata
      Reviewed on May 21, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have chosen HSBC Visa Platinum credit card because it has good value in the market. The documents are submitted online and the process was faster. I have received the card within 10days of time. The credit limit is average. It is a life time free credit card. There was some benefits which have not explored.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 21, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HSBC Bank credit card which i have directly applied with Bank.This card is very good to me so far .This card is very useful and good to use .I have not faced any issues so far on using this card .The card is limit is very good and also reward points and cash back offers are aso there .I am compoletely satisified with the service .
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2019
    • HSBC Bank Credit Card
      "Credit card interest should be reversed lower"
      0.5 5.0/5 "Blown Away!"
      Two years ago I availed HSBC credit card through online channel, the card features are good. But HSBC is charging 38.5% while other banks are charging 34% of interest on yearly basis, also emi interest rate is relatively higher, that is the concern. They give some attractive feature like no cost emi and other discount at shopping on flipcart.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have received HSBC Visa Platinum credit card via online. The credit limit is good and there is no annual fee. The documents are submitted online and they have taken more than a week. I am using the card for more than a month and the payment mode is easy.
      Was this review helpful? 1
      , new delhi
      Reviewed on May 19, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for HSBC Bank credit card through Online . The agent gave all the information about the credit card. The information should be transparent as well as the customer should get all benefits which the agent provide ,The credit limit is good and received the credit card on time,This is a free card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 17, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for HSBC Bank credit card through Online .The credit limit is good ,the agent gave all the information about the card ,I have received the credit card on time without any delay ,I have applied for Visa Platinum card and got the same card .I have not got the update about reward point not faced any issues on submitting the documents as well . I have not started using the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 17, 2019
    • HSBC Bank Credit Card
      "Best service"
      0.5 3.0/5 "Satisfactory"
      I have not faced any difficulties so far when applied for HSBC Bank Credit Card. .The credit limit was good in this card.book movie tickets on Saturday it is useful this life time free card ,there are cashback offers and reward points are there ,cash back offers are applicable till 90days it is there upto Rs.2500.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had selected the HSBC VISA PLATINUM CREDIT CARD since there was no joining fee nor any annual charges with this card. The overall process in getting this card has been good and they had delivered the card on the promised time. The credit limit with the card is fine and they had mentioned about the features about this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2019
    • HSBC Bank Credit Card
      "Good for shopping"
      0.5 4.5/5 "Excellent!"
      HSBC Platinum credit card is good for the points redemption with less points I can redeem the voucher. There is no hidden charges everything is transparent. I think the card may be minimum chargeable, I have been using it for past five years.They bring some offer if I spend the amount within certain month they give some amazon voucher.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 15, 2019
    • HSBC Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I am using the HSBC Visa Platinum Credit Card for almost six years and the services provided by them had been good so far. There is a good credit limit with this card and it has an offer on movie tickets, where it gives one plus one offer on that and it does not have any limit. There is no annual charges with this card and i am using the card for all sort of purposes.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 15, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Through an online I have taken a credit card from HSBC bank. The verification process was smooth and good manner from bankers. But it took near a month to get dispatch. They offered for me a life time free credit card. The credit limit is more sufficient to use. The customer service is good and supportive. In this bank providing many offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for HSBC Bank credit card through Online .I have not faced any issues so far ,The credit limit was good ,The agent gave all information about the credit card ,I have received the credit card on time ,There are god cash back offers and reward points as well.I have not faced any issues on submitting the documents .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      The rate of interest is 3.50% or 3.60% and the annual charges are zero for HSBC credit card. I have selected Visa Platinum card which I had applied the card through online channel. The process was simple and even the charges are okay. I have been using the card recently and yet to explore the benefits.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 14, 2019
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