The HSBC Visa Platinum Credit Card is an entry-level lifestyle credit card from HSBC Bank designed for individuals looking for a no-fee card with decent rewards and lifestyle benefits. It is part of HSBC India credit card portfolio and was recently upgraded with Visa Signature tier perks.

• Lifetime free with zero joining and annual fees
• Earn 2 reward points for every Rs.150 spent on eligible purchases
• Convert points to air miles with British Airways, Singapore Airlines, Air India and more
• Up to 6x reward points on travel bookings via Travel with Points
• Visa Signature benefits including Times Prime, MakeMyTrip perks
• Fuel surcharge waiver and quarterly fuel cashback
• Lost card liability cover of up to Rs.3,00,000

Earn 2 reward points for every Rs.150 spent on eligible retail purchases. Points have a 3-year rolling expiry and can be redeemed through the HSBC India Mobile Banking app for gift vouchers, merchandise, or transferred to airline and hotel partners.

Air Miles Conversion

Convert reward points to air miles with 14+ airline partners at a 2:1 ratio (2 points = 1 mile) including British Airways Avios, Singapore Airlines KrisFlyer, Air India, Etihad, Qatar Airways, and more. Hotel transfer partners include Marriott Bonvoy, Accor ALL, and Wyndham.

Travel with Points

Earn up to 6x reward points (12 points per Rs.150) on flights, hotels, and car rentals booked through the Travel with Points portal, significantly boosting the reward rate on travel bookings.

Visa Signature Perks

Enjoy premium lifestyle benefits powered by Visa Signature tier including a complimentary 12-month Times Prime membership (with Discovery+, JioHotstar, Uber One access), 2 free flight seat selections per year on domestic MakeMyTrip flights, and 15% cashback on hotel stays via MakeMyTrip.

Fuel Benefits

Get a 1% fuel surcharge waiver on transactions between Rs.400 and Rs.4,000 (capped at Rs.250/month). Additionally, earn Rs.250 cashback per quarter on contactless fuel payments of Rs.10,000 or more.

Entertainment

Buy 1 Get 1 movie tickets on Saturdays through BookMyShow with a maximum discount of Rs.250 per month.

Shopping

Access eVIP pass discounts and exclusive sale events at The Bicester Collection Villages worldwide.

• 2,000 Reward Points: Download the HSBC India Mobile Banking app and spend Rs.5,000 within the first 30 days of card issuance
• Swiggy One Membership: Complimentary 3-month Swiggy One membership on card activation
• Amazon eGift Card: Rs.250 Amazon eGift Card on applying online and completing Video KYC (valid until March 2026)

Fuel Cashback Milestone

• Rs.250 Quarterly Cashback: Earn Rs.250 cashback on contactless fuel spends of Rs.10,000 or more per calendar quarter. Individual transactions must be between Rs.1,000 and Rs.5,000.

The HSBC Visa Platinum Credit Card does not offer complimentary airport lounge access. If lounge access is important to you, consider upgrading to the HSBC TravelOne Credit Card or HSBC Premier Credit Card which offer lounge benefits.

Earn 2 reward points for every Rs.150 spent on eligible retail purchases. Reward points are NOT earned on the following categories: fuel, utilities, tax payments, real estate, non-financial institutions, money transfers, jewelry, insurance, financial institutions, e-wallets, bail and bond payments, and education/government transactions.

Accelerated Earning

Earn up to 6x reward points (12 points per Rs.150) on flights, hotels, and car rentals booked through the Travel with Points portal.

Redemption Options

Redeem points through the HSBC India Mobile Banking app for:

• Airline Miles (Best Value): Transfer at 2:1 ratio to British Airways Avios, Singapore Airlines KrisFlyer, Air India, Etihad, Qatar Airways, and 10+ other airlines
• Hotel Points: Transfer to Marriott Bonvoy, Accor ALL, Wyndham, Shangri-La at 2:1 ratio
• Travel with Points: Book flights and hotels directly with reward points at enhanced value
• Gift Vouchers: Redeem for Amazon, Flipkart, and brand vouchers
• Merchandise: Browse the HSBC Rewards catalogue for products

Point Validity

Reward points follow a 3-year rolling expiry system. Expired points cannot be reinstated.

• Minimum annual income of Rs.6,00,000 for salaried individuals
• Self-employed applicants may need an HSBC savings/current account with strong balances

Age Criteria

• Primary cardholder: 18 to 65 years

Credit Score

• A CIBIL score of 750 or above is recommended for higher approval chances

Residency

• Must be an Indian resident
• Available in select cities: Mumbai, Delhi NCR, Gurgaon, Noida, Bangalore, Chennai, Hyderabad, Pune, Kolkata, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Amritsar, Baroda, Indore, and Lucknow

• Aadhaar Card
• PAN Card
• Passport
• Voter ID

Address Proof (any one)

• Aadhaar Card
• Passport
• Utility Bill (recent)
• Voter ID

Income Proof (any one)

• Latest 3 months salary slips
• Bank statements for last 3 months showing salary credits
• Income Tax Returns (for self-employed)
• Salary certificate from employer

Other Documents

• Copy of existing credit card (front only) and latest statement
• PAN Card or Form 60

1. Visit the HSBC India website and navigate to Credit Cards
2. Select the Visa Platinum Credit Card and click Apply Now
3. Enter your personal details, income information, and employment details
4. Upload required documents (identity proof, address proof, income proof)
5. Complete Video KYC (VKYC) for instant verification
6. Receive your credit card after approval

At Branch

1. Visit your nearest HSBC branch with required documents
2. Fill out the physical application form
3. Submit documents for verification
4. Card will be dispatched after approval

Tip: Apply online and complete Video KYC to receive a Rs.250 Amazon eGift Card as a welcome benefit.

The HSBC Visa Platinum Credit Card is a solid entry-level lifetime free card that punches above its weight class. With the recent upgrade to Visa Signature benefits, it now offers Times Prime membership, MakeMyTrip perks, and fuel cashback that rival cards with annual fees. The ability to convert reward points to 14+ airline partners at a 2:1 ratio makes it particularly attractive for travelers looking to accumulate air miles without paying annual fees.

However, the card falls short in areas important to frequent travelers: no lounge access and a high 3.5% forex markup make it unsuitable as a primary travel card. The extensive list of reward exclusion categories (fuel, utilities, insurance, education, etc.) also limits its earning potential on everyday spending. It is best suited as a secondary card for domestic spending, air miles accumulation, and accessing periodic HSBC cashback offers.