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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    1st Year Fee
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    HSBC Visa Platinum Credit Card is Rated as "Excellent!" by 127 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN
    • 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 30th June 2015 to 31st Dec 2015.
    • 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 400,000 in a year for upto maximum spends of INR 1,000,000 in a year
    • Movie ticket voucher worth INR 500 on spends exceeding INR 50,000 in a calender
    • Upto 20% 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. This offer is subject to a purchase worth a minimum of Rs. 10,000 and up to Rs. 3000 per card, valid until 31 December 2015.

    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.

    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 2.5% or Rs. 250, every calendar month.

    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 Fee Nil
    Annual fee – First year Nil
    Annual fee – Second year Nil
    Finance charges on extended cash and credit advances 39.6% per year or 3.3% per month calculated from the date of transaction
    Minimum payment due – extended credit usage 5% of the total payment that is due ( a minimum of Rs. 100)
    Duplicate statements If over three months then Rs. 100
    Cheque bounce/Unsuccessful ECS payment Rs. 350
    Cash advance limit against credit card account As written in the user’s monthly statement
    Cash advance transaction fee 2.5% of the transaction amount (a minimum of Rs. 300)
    Cash withdrawal transaction fee at ATMs abroad Rs. 100
    Cash withdrawal transaction fee at non-HSBC ATMs Nil
    Overlimit fee Rs. 500
    Late payment fee 50% of the minimum due amount (a minimum of Rs. 400 and a maximum of Rs. 750)
    Sales slip retrieval Rs. 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 India Rs. 100
    Currency Conversion Charge 3.5%
    Balance enquiry on credit card at non – HSBC ATMs Nil
    Rewards redemption – handling fee For every redemption, Rs. 50 is charged
    Copy of credit Information report Rs. 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 Due Late Payment Charges
      100 400
      250 400
      500 400
      1000 500
      1500 750
      2000 750
    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
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  • HSBC Visa Platinum Credit Card Reviews

    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      HSBC credit card is my least choice to prefer, which does not mean ,its not working good. I would like to say that the credit limit value is good one for me and I have stopped to use it for some long time. Offers are good one with them till now.
      Was this review helpful? 2
      , pune
      Reviewed on Jun 22, 2017
    • HSBC Bank Credit Card
      "Its Hassle free"
      0.5 5.0/5 "Blown Away!"
      I applied for the HSBC credit card through online channel, HSBC taken three weeks to dispatch the credit card. I am holding VISA Platinum card I got a very good credit limit, I am fine with that. Even their customer service is really good on the credit card process.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 19, 2017
    • HSBC Bank Credit Card
      "Nice services"
      0.5 5.0/5 "Blown Away!"
      HSBC is doing an excellent on the credit card as well. The offers are always there on the card and the customer services are good. They are responsive and the statements are clear always and the credit limit is also up to my satisfaction. Overall no issues faced till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 17, 2017
    • HSBC Bank Credit Card
      "Trust"
      0.5 5.0/5 "Blown Away!"
      I am having almost every credit card and I would like to say HSBC credit card is one of the best card. I am holding this credit card for three more years of time. Customer service is good one and the response is also very good one. Credit limit value is good to purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2017
    • HSBC Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I also bank with HSBC for a credit card. I am also happy using this product. There are a lot of offers which is useful for me. The credit limit is good and the bank statements are clear. The bank has a good customer support and I do not have to wait for long to get connected with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2017
    • HSBC Bank Credit Card
      "Good for regular banking"
      0.5 4.0/5 "Great!"
      With the HSBC bank , I do have the salary account and am with them from the last 4.5 years of time. Customer service is an average one like while it comes to matter of telephonic conversation. Net banking facilities are an average one, also IMPS is not applicable that too comes up with the device.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 10, 2017
    • HSBC Bank Credit Card
      "Good for lesser rate of interest"
      0.5 4.5/5 "Excellent!"
      I have HSBC bank credit card and it really working in a lesser interest rate while it comes to matter of loan, balance transfer, also the EMI conversion. Technical aspects are quite lengthy to handle, also am not much happy.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 10, 2017
    • HSBC Bank Credit Card
      "The best"
      0.5 5.0/5 "Blown Away!"
      There are no charges on my credit card and I am happy that when ever I used the card I had no problems in the transactions. I was able to make my payments smoothly online and offline at any outlets.The customer services has been good and are helpful at HSBC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 10, 2017
    • HSBC Bank Credit Card
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      HSBC has offered me a credit card as well , they had offered me a very good credit limit. The statements are clear and I can also check my transactions online. The offers are always there and the points I gained out of this card are very much beneficial too., Overall I did not face any issues till date with them.,
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jun 09, 2017
    • HSBC Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      HSBC has provided me life time free credit card, but I am not using HSBC credit card on frequent basis. I do have other credit card, hence I am unable to manage. Credit limit is less , I am not interested to increase it. HSBC is good in service they used to send proper notification.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2017
    • HSBC Bank Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have used the HSBC credit card and the credit limit value is good . I have used it for thirteen to fourteen years of time and then the services were not really good. I wont care about the offers with the HSBC credit card and I stick with them because of the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 03, 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 Jun 01, 2017
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      HSBC offered good credit limit for my credit card and there is no annual charges for the card. I do not know about the reward points because I never checked about that. The credit card services are very good with HSBC bank and I do not have any issues with the bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 29, 2017
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Good features about HSBC credit card are, you can do recharge, bill payment, money transfer without going to any portal, it will not asking for more pin numbers. Also it will showcase automatically about the available limit. Another one is it will give you a beautiful dashboard where we can check what is our liability and how much we have spent. It will give you current available limit where there is a classification about over spending and the required one. But it does not have emi for more than 12 months. We can use this card for online shopping but if we want to spend for more than 2000 then we need to call the customer care and need to check for EMI conversions. The credit limit is 3 lakhs which is pretty good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 27, 2017
    • HSBC Bank Credit Card
      "GREAT WORK HSBC"
      0.5 5.0/5 "Blown Away!"
      GOOD EXPERIENCE APPLYING ONLINE,EASY TO APPLY,MADE EASY FOR YOUR CUSTOMERS,,WHILE APPLYING ITSELF I GOT CALL FORM HSBC ,GOOD AND QUICK RESPONSE,HAPPY U ACCEPTED MINE,IT IS A GOOD SUPPORT AND HELPS THE CUSTOMERS FINANCIALLY THANK YOU HSBC.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HSBC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the HSBC bank credit and the charges are nil with them. I got this credit card before six months of time and the payment option are good one with them. Customer services are good one with them and am very happy with them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2017
    • HSBC Bank Credit Card
      "Average "
      0.5 2.0/5 "Expected more"
      I had closed the credit card with the HSBC bank and it works good . Customer service was good one with them and the support is also good. Charges as well as interest rate were huge while compare with the market scenario.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 19, 2017
    • HSBC Bank Credit Card
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      HSBC credit card payment mode is not good, so was the customer service too. I had closed this credit card because this card was not of great use. I would like to say that they need to work on every aspect and their customer service needs to be more flexible too.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 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 havent used the card and I have closed it, I have opted this card froma tird party and its a life time free credit card. They have given a decent credit limit of 45000 rupees, I have multiple call so i cancelled it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 15, 2017
    • HSBC Bank Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      I would like to say HSBC credit card is the best one because they have provided the timely facilities like EMI facilities and many other options too. I had been a customer of HSBC from the last four years of time. Customer service provided by them is really good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 10, 2017
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