The HSBC RuPay Platinum Credit Card is an entry-level rewards credit card issued on the RuPay network. It combines the benefits of traditional credit card rewards with modern UPI payment capabilities, allowing cardholders to link the card with popular UPI apps like Google Pay, Paytm, PhonePay, and HSBC SimplyPay.

• Lifetime free with zero joining and annual fees
• Earns 2 Reward Points per ₹150 spent
• UPI-enabled for seamless digital payments
• International acceptance via JCB network in 160+ countries
• 48 days interest-free credit period

Earn 2 Reward Points for every ₹150 spent on the card. These points can be instantly converted to air miles with 15+ airline partners including Air India, British Airways, Singapore Airlines, and hotel loyalty points with Marriott, Accor, IHG, and more through the HSBC India Mobile Banking app.

UPI Integration

The card can be linked to any UPI app for quick, contactless payments. Earn reward points even on UPI transactions (excluding restricted categories as per NPCI guidelines).

Fuel Benefits

Enjoy fuel surcharge waiver with annual savings of up to ₹3,000 on fuel transactions across India.

Contactless Payments

RuPay contactless technology allows payments up to ₹5,000 per transaction without PIN entry at supported terminals.

• ₹500 cashback on spending ₹5,000 within the first 30 days of logging in to HSBC India Mobile Banking app
• ₹250 Amazon eGift Voucher on applying online, completing video KYC, and receiving the card
• 2-month complimentary EazyDiner membership on card activation

Partner Offers

• 10% off on grocery deliveries via Swiggy Instamart (limited period offer)
• 10% discount on orders of ₹2,499 or more on Tira
• Offers on Paytm and Cleartrip (terms apply)

The HSBC RuPay Platinum Credit Card does not offer any airport lounge access, either domestic or international. This is an entry-level card focused on basic rewards and UPI functionality rather than premium travel benefits.

Earn 2 Reward Points for every ₹150 spent on all purchases including retail, dining, online shopping, and UPI transactions. Points are credited within 3 working days of transaction posting.

Redemption Options

Convert reward points to airline miles and hotel loyalty points instantly through the HSBC India Mobile Banking app. Conversion ratios vary by partner:

• Air India Maharaja Club: 2:1
• British Airways Club: 2:1
• Singapore Airlines KrisFlyer: 2:1
• Marriott Bonvoy: 2:1
• IHG One Rewards: 2:1
• ALL - Accor Live Limitless: 2:1

• Minimum annual income: ₹4,00,000 for salaried individuals

Age Criteria

• Minimum age: 18 years
• Maximum age: 65 years

Other Criteria

• Must be an Indian resident
• Residence in select cities: Delhi NCR, Mumbai, Bangalore, Hyderabad, Chennai, Pune, Ahmedabad, Kolkata, Kochi, Chandigarh, Jaipur, Coimbatore, Gurgaon, Noida

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID
• Driving License

Income Proof (Salaried)

• Latest 3 months salary slips
• Latest 6 months bank statement
• Form 16

Address Proof

• Aadhaar Card
• Utility bills (electricity, telephone, gas)
• Passport
• Rental agreement

1. Visit the HSBC credit cards page and select RuPay Platinum Credit Card
2. Click on "Apply Now"
3. Fill in personal and income details
4. Complete video KYC verification
5. Submit required documents
6. Receive instant decision or approval within 7 working days

Offline Application

1. Visit nearest HSBC branch
2. Request RuPay Platinum Credit Card application form
3. Fill form with accurate details
4. Submit along with required documents
5. Card will be delivered within 7-10 working days after approval

The HSBC RuPay Platinum Credit Card delivers on its promise as a no-frills, lifetime free credit card with the added advantage of UPI integration. While it won't impress premium benefits seekers, it excels as a starter card or a secondary card for UPI payments.

Best suited for first-time credit card applicants, those building credit history, or existing HSBC customers who want a zero-fee card for bank offers and occasional airline mile redemptions. If you need lounge access or milestone rewards, consider the HSBC Visa Platinum Credit Card instead.