Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 HSBC Visa Platinum Credit Card
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    HSBC Visa Platinum Credit Card is Rated as "Excellent!" by 249 Users
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    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 31st March 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 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.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
      "Should provide proactive response "
      0.5 3.0/5 "Satisfactory"
      One week before I have applied for HSBC credit card Pin, because initially I got the pin but it was getting an error. But I didn't get receive the pin yet, hence I could use this credit card for shopping purpose, only I could use for the online transactions.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Good in Service"
      0.5 5.0/5 "Blown Away!"
      I have Hsbc credit card through the online portal and my credit card get approved within 5 days from the date of applied and i am fine with annual charges and also they offer credit limit up to my satisfaction and my document submission process also went on smooth, but interest rate and fees charges are comparatively lesser than other banks and i preferred this credit card because of good offers and cash back on my card transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Good To Go"
      0.5 5.0/5 "Blown Away!"
      Advantage about HSBC credit card, doesn't have any annual fee, hence I have chosen this card. Offers wise HSBC is good, they are providing good cash back on e commerce and travel booking sites. Limit of the card is better for me, I am okay with that.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "My committment not fullfilled"
      0.5 3.0/5 "Satisfactory"
      I had applied and got HSBC VISA PLATINUM Credit card through on line partner. I am suggesting the HSBC technical team to change the Credit Card pin process because when i tried to create the Credit card pin by phone banking it did not allow me to create one , even when I gave the valid credentials.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Convenient Credit Card"
      0.5 5.0/5 "Blown Away!"
      HSBC reward points is good and also there is no annual fee applicable, hence I have selected HSBC credit card for my usage. I have started using the card, recently my spouse have purchased gold, overall the card is very convenient to do any transaction.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My experience with HSBC credit card is very good, the process was smooth and i received my credit card within 2 weeks. Customer service was good and they collected documents on time. I have a credit limit of Rs 1.20 lakhs which is sufficient for this credit card and i did not pay any annual fee for this credit card. I get reward points in this credit card and i use this card for general purpose.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Not that good Experience"
      0.5 2.0/5 "Expected more"
      I am not getting information required for making the payment. I am not looking forward for continuing the relationship with the Bank. They have provided me with a low Credit Limit Contacting customer care is difficult. Even internet banking doesn't show balance and due date information.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I have not yet used the HSBC bank credit card because I have not got the pin number till now. Response is not much good one for me with the HSBC bank credit card because I have raised this issue for number of times and till now I have not got the proper revert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card from HSBC with a limit of 1 lakhs. I am satisfied with the limit. i have not started using the card. planning to use the card after 10 to 15 days. There is no annual charge for the card. Reward points and cash back yet to experience.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My experience with HSBC credit card was very nice, the process was smooth and i received my credit card within 10 days. I have a credit limit of Rs 83000 which is sufficient for this credit card. Customer service was good and they provided door step service to collect the documents. There is no annual fee charged for this credit card and i did not find any offers in this credit card so far. I use this card mainly for shopping purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I can handle it HSBC credit card easily like anything, in term of information , statement, everything gets updated on time, Offers are good, I have not utilized much, they are providing reward points for the credit card transaction. I am using it around four months, its a life time free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Looking for better Offer"
      0.5 3.0/5 "Satisfactory"
      HSBC offers are not valuable for me, they are providing movie tickets only on Saturday not on other days. Even I didn't get any cash back offers so far. ONe thing I like in HSBC is the credit limit is very satisfactory. My only concern is about the offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Good to Hold with great offers"
      0.5 5.0/5 "Blown Away!"
      Reason to chose HSBC credit card is the first point its a life time free credit card, second point there are many offers going on traveling and entertaining like movie tickets at book my show.com, I hope there reward points are good for all transactions.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Very Good"
      0.5 4.5/5 "Excellent!"
      HSBC bank credit card limit value is okay one for me and the customer service is alright . I would like to say that the response is an immediate one for me with the HSBC bank credit card and I hardly have contacted them till now. Rest of the service aspects are okay with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Process needs to be quick"
      0.5 2.0/5 "Expected more"
      The response was not good with HSBC. The executive called me to collect the documents when I was ready, he didn't turn up then I had to follow up many times. They took more than a month to disburse the card. There is no annual fee. I got a platinum credit card and happy with the limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I felt HSBC credit card is best, whatever instruction given by online channel it was suitable for me. Then I have chosen HSBC, credit card, they gave me good credit limit even its a life time free credit card. But I didn't get any cash back or reward points.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have HSBC credit card through online portal and my credit card got approved within 7 days from the date of placing the request and i am fine with annual charges and also they offer credit limit up to my satisfaction and my document submission process also went on smooth, but interest rate and fees charges are high when compared to other banks credit card, i don't have ant words to say about customer services and offers provided by HSBC,
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "a regular card"
      0.5 5.0/5 "Blown Away!"
      I applied HSBC platinum Credit Card by an on line partner,which is life time free card from HSBC. I feel very comfortable to pay the bill by net banking. But while connecting to HSBC customer care it takes a long while to connect with the customer care executive due to a huge call flow.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Simply good"
      0.5 4.0/5 "Great!"
      The customer service was good at the time of processing my card application after that I didn't contact the customer support. I have chosen HSBC Visa Platinum credit card. The credit limit was good and satisfactory. There is no annual fee which was very much happy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • HSBC Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I don't have much experience with HSBC, because recently I got this credit card. The reason to choose HSBC credit card, their annual fee is zero and there is no other joining fee. Even their notification is good, I have received my first month bill its good and prompt.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2018
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