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HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a lifestyle card with zero joining and annual fees, offering reward points, fuel surcharge waivers, air miles conversion and insurance cover. It suits everyday shoppers who also want travel and dining perks. Read on for the card's full features, fees and eligibility criteria.

Updated On - 13 Aug 2026

The Visa Platinum credit card offered by the HSBC bank is a lifestyle credit card, that offers exclusive benefits, including global acceptance and attractive rewards. It also comes with features like contactless payments, dining discounts, and convenient balance transfers at low interest rates. Read on to know more about the HSBC Visa Platinum credit card. 

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Key Highlights of HSBC Visa Platinum Credit Card

The key highlights about the HSBC Visa Platinum credit card are mentioned below: 

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

Introductory offers:

The welcome offer provided with HSBC Visa Platinum credit card are mentioned below: 

  • With this credit card you get 2,000 reward points on downloading and logging in to the HSBC India Mobile Banking app. To avail yourself of this offer, you need to spend Rs.5,000 or more within the first 30 days of receiving your card.  
  • Enjoy a free 3-month Swiggy One membership after activating your card.  
  • You also receive a Rs.250 Amazon eGift Card when you apply online, complete video verification, and your credit card is approved.  
  • Get a voucher worth up to Rs.500 for Amazon Pay, Zomato and Swiggy when you activate your card with a single transaction of Rs.300 or more, as part of the Visa Signature welcome offer. 

*TnC Applicable

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Features and Benefits of HSBC Visa Platinum Credit Card

The features and benefits of HSBC Visa Platinum credit cards: 

  • Joining Fee Waiver: Zero joining and annual fees.
  • Air Miles Benefit: You can convert your points into air miles with Etihad Airways, British Airways, Air India, and Singapore Airlines. 
  • Fuel Discounts: With this credit card you get a cashback of Rs.250 on fuel purchases made through contactless transactions on achieving spends Rs.10,000 or above in a calendar quarter. You also get a waiver of up to Rs.250 on fuel transactions ranging between Rs.400 to Rs.4,000. 
  • Reward Point Benefit: On spending Rs.150 using HSBC Visa Platinum credit card, the card offers two reward points. Earn up to six times reward points on flights, hotels, and car rentals through Travel with Points.
  • Other Perks: Other Perks: Get a complimentary 12-month Times Prime membership with free access to Spotify Premium, Discovery+, Uber One, Moneycontrol Pro and Lenskart Gold, and more. Get two complimentary flight seat selections per year on domestic flights booked through MakeMyTrip using promo code VISAFREESEAT. Receive 15% cashback in your MakeMyTrip Wallet ('My Cash') on hotel stays in India booked with promo code VISASIGNATURE.
  • Insurance Coverage: Offers insurance coverage of up to Rs.3 lakh for lost cards if reported within 24 hours.  
  • Add-on Benefits: Provides other benefits, such as balance transfer; offers and discounts on selected partners; emergency card replacement; Google pay using the card; and cash advance. 
  • Balance Transfer: You can move your outstanding balances from your other bank credit cards to your HSBC credit card and repay them in easy monthly installments at a lower interest rate. 
  • Emergency Card Replacement: You can apply for your HSBC card replacement and get it anywhere in the world, in case you lose it. 
  • District by Zomato Offers: Save 10% on dining, activities and shopping, and enjoy buy-one-get-one movie tickets at the cinema when you pay with your HSBC Visa Platinum credit card. 
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HSBC Visa Platinum Credit Card Fees and Charges

The fees and charges applicable on HSBC Visa Platinum credit card: 

Type of fee or charge 

Amount (Rs.)

Joining Fee

NIL

Annual fee

NIL

Interest rate

3.49% per month (41.88% per annum)

Cash withdrawal fee

Overseas ATM: Rs.100 

Non-HSBC ATM: Nil 

Charges for rental and related payments

1% processing fee plus applicable taxes

Fee for cash payments

Rs.100

Fee for bounced cheques, failed standing instructions (SI), or unsuccessful NACH payments

Rs.500

Balance transfer charges

Interest rate: 10.99% to 15.99% p.a. 

Processing fee of 1.50% up to Rs.200

Overlimit fee

Rs.500 per month

Late payment fee

100% of the minimum due amount (subject to a minimum of Rs.250 and a maximum of Rs.1200)

Currency conversion fee 

3.5%

Cash payment at HSBC branches

Rs.100

Note: The interest rates are effective from 1 December 2020. 

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Eligibility Criteria for HSBC Visa Platinum Credit Card

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

  • The applicant should be aged between 18 and 65 years old. 
  • The minimum gross annual income should be Rs.6 lakh for salaried individuals.
  • The applicant should be a resident of India. 
  • You should be a resident of the cities in which the credit card is offered. Currently, the card is available in major cities such as Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur and Surat.
  • Self-employed individuals aged between 25 and 65 years are also eligible to apply for the HSBC Visa Platinum Credit Card, subject to a minimum annual income of Rs.12 lakh. 

Documents Required for HSBC Visa Platinum Credit Card

If you are eligible to apply for the HSBC Visa Platinum Credit Card, please submit the following documents to complete your application: 

  • Latest pay slip or salary certificate from your employer 
  • Copy of an existing credit card (front) and the most recent credit card statement 
  • Bank statements for the last 3 months showing salary credits 
  • Proof of identity, residence, and PAN card or Form 60 

Summary

The HSBC Visa Platinum Credit Card is a lifestyle credit card with no joining or annual fee, offering reward points, air miles conversion, fuel surcharge savings and insurance cover. It suits cardholders looking for everyday spending value alongside travel and lifestyle perks through Visa Signature and Travel with Points. Check the eligibility criteria and fees and charges above, then apply for the HSBC Visa Platinum Credit Card online via BankBazaar.

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FAQs on HSBC Platinum Credit Card

1.What is the HSBC Visa Platinum Credit Card?

The HSBC Visa Platinum Credit Card is a lifestyle credit card issued by HSBC Bank that offers reward points, fuel surcharge waivers, air miles conversion and insurance cover. It is designed for cardholders who want everyday spending benefits along with travel and lifestyle perks. The card carries no joining or annual fee.

2.What are the joining and annual fees for the HSBC Visa Platinum Credit Card?

The HSBC Visa Platinum Credit Card has no joining fee and no annual fee. This holds for the first year and every renewal year after that. Other applicable charges are listed in the fees and charges table above.

3.What are the key features and benefits of the HSBC Visa Platinum Credit Card?

The HSBC Visa Platinum Credit Card offers reward points on spends, air miles conversion with partner airlines, fuel surcharge savings, insurance cover and a balance transfer facility. It also gives access to lifestyle memberships and dining or travel privileges through Visa Signature. The full list of features appears in the section above.

4.Does the HSBC Visa Platinum Credit Card offer a fuel surcharge waiver?

Yes, the HSBC Visa Platinum Credit Card offers a fuel surcharge waiver on eligible fuel transactions at petrol pumps across India. Cardholders also earn cashback on contactless fuel purchases above a minimum quarterly spend. The current waiver limits are listed in the features section above.

5.Can I convert HSBC Visa Platinum Credit Card reward points into air miles?

Yes, reward points earned on the HSBC Visa Platinum Credit Card can be converted into air miles with partner airlines such as Air India, Etihad Airways, British Airways and Singapore Airlines. Conversion is done through the HSBC India Mobile Banking app. Points can also be used through Travel with Points for flights, hotels and car rentals.

6.How can I redeem reward points earned on the HSBC Visa Platinum Credit Card?

Reward points earned on the HSBC Visa Platinum Credit Card can be redeemed through HSBC's online rewards portal or mobile app for vouchers, merchandise, air miles or statement credit. Redemption options depend on availability at the time of redemption. The card's earn rate is listed in the features section above.

7.What is the interest rate charged on the HSBC Visa Platinum Credit Card?

Interest, or finance charge, is levied on the HSBC Visa Platinum Credit Card only when the outstanding balance is not paid in full by the due date. The rate is charged monthly on the revolving balance from the date of transaction. The current rate is listed in the fees and charges table above.

8.Who is eligible to apply for the HSBC Visa Platinum Credit Card?

Salaried individuals aged between 18 and 65 years, and self-employed individuals aged between 25 and 65 years, who are Indian residents can apply for the HSBC Visa Platinum Credit Card. Applicants must also reside in one of the cities where the card is offered. Full eligibility criteria are listed above.

9.What is the minimum income required for the HSBC Visa Platinum Credit Card?

HSBC sets a minimum gross annual income for HSBC Visa Platinum Credit Card applicants, which differs for salaried and self-employed individuals. The applicable income criteria are listed in the eligibility section above. Meeting the minimum income does not guarantee approval, as this remains subject to HSBC's credit assessment.

10.Which cities is the HSBC Visa Platinum Credit Card available in?

The HSBC Visa Platinum Credit Card is available to residents of select major Indian cities where HSBC operates. The complete list of eligible cities is provided in the eligibility section above. Applicants outside these cities cannot currently apply for this card.

11.What documents are required to apply for the HSBC Visa Platinum Credit Card?

Applicants for the HSBC Visa Platinum Credit Card typically need to submit income proof, such as a salary slip or salary certificate, along with recent bank statements and identity, residence and PAN proof. Existing credit cardholders may also need to share a copy of their current card and latest statement. The full document list is provided above. 

12.How can I apply for the HSBC Visa Platinum Credit Card?

You can apply for the HSBC Visa Platinum Credit Card online through BankBazaar or HSBC's website by filling in your details and uploading the required documents. HSBC then reviews the application and approves it based on eligibility and its internal credit checks. Applicants can track their application status once submitted. 

13.Can I transfer my existing credit card balance to the HSBC Visa Platinum Credit Card?

Yes, the HSBC Visa Platinum Credit Card allows you to transfer outstanding balances from other bank credit cards and repay them in easy monthly instalments at a lower interest rate. This balance transfer facility can help consolidate high-interest credit card debt. Applicable interest and processing fees are listed in the fees and charges table above. 

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