HSBC Visa Platinum Credit Card
Rewards & Benefits
Welcome Benefits
Users will get INR 500 cashback when they download and log on to the HSBC India Mobile Banking app and spend INR 5000 within the first 30 days of getting the card and an INR250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
Milestone Benefits
Cashback Rate
The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.
Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
Movie Benefits
Dining Benefits
Other Benefits
Up to Rs 3,000 annual savings on fuel surcharge.; Additional Benefits include- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.
Lounge Access
Fees & Charges
Joining Fee
NIL,
Annual Fee
NIL
Cash Advance Fee
Cash advance fee: 2.5% of the cash withdrawn or Rs 500. (Whichever is higher)
Interest rate
3.49% p.m. (41.88% p. a.)
Late Payment Fee
Late payment fee (Charged if minimum amount due does not reach HSBC within 3 days of payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: Rs. 50 per request
Cons
Welcome bonus can only be availed on fulfilling a minimum transaction limit in 30 days.
Welcome Benefit: Users will get INR 500 cashback when they download and log on to the HSBC India Mobile Banking app and spend INR 5000 within the first 30 days of getting the card and an INR250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
Reward System: The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles. Cardholders will get 5X reward points on any purchase made after spending INR4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
No joining and annual fees.
Up to INR3,000 annual savings on fuel surcharge.
Additional Benefits include- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
You must be aged between 18 to 65
Minimum annual income must be INR4,00,000 per annum for salaried individuals
Current city of residence should be: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the official HSBC India website and navigate to the credit card section.
Locate the application form for the HSBC Visa Platinum Credit Card.
Complete the credit card application form with accurate and up-to-date information.
Double-check for any errors before submitting the application.
Upload or submit scanned copies of the required documents along with your application form.
Ensure that these documents are clear and legible.
HSBC may contact you for further verification or documentation if necessary.
Once your application is approved, you will receive an approval notification.
After approval, HSBC will send the HSBC Visa Platinum Credit Card to your registered mailing address.
Make sure to activate the card as per the instructions provided.
Contact Details
HSBC Personal Banking / Credit Cards
1800 267 3456 1800 121 2208
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get INR 500 cashback when they download and log on to the HSBC India Mobile Banking app and spend INR 5000 within the first 30 days of getting the card and an INR250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
Reward System: The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles. Cardholders will get 5X reward points on any purchase made after spending INR4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
No joining and annual fees.
Up to INR3,000 annual savings on fuel surcharge.
Additional Benefits include- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.
Welcome bonus can only be availed on fulfilling a minimum transaction limit in 30 days.
The HSBC Visa Platinum Credit Card is a solid choice for beginners or budget-conscious individuals seeking a no-fee card with basic rewards and perks. It offers decent value for everyday spending, with the potential to boost earnings through annual spend milestones. However, if you're a high spender or prioritize higher reward rates, diverse redemption options, or welcome gifts, other cards might be more suitable.
The HSBC Visa Platinum Credit Card is a solid choice for beginners or budget-conscious individuals seeking a no-fee card with basic rewards and perks. It offers decent value for everyday spending, with the potential to boost earnings through annual spend milestones. However, if you're a high spender or prioritize higher reward rates, diverse redemption options, or welcome gifts, other cards might be more suitable.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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