At a Glance
Key Benefits
4X dining rewards, 2X shopping, fuel surcharge waiver, dining discounts
Lounge Access
No lounge access
Eligibility
Salaried: Rs 50,000+/month, Age: 21-60 years, CIBIL: 720+
Quick Details
Annual Fee
₹1,500
#206
Joining Fee
₹1,500
#207
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.40 - ₹0.80
#217
Reward Type Reward Points
Reward Currency Points
Min Credit Score
720+
#154
Min Monthly Income ₹50
Network VISA
Late Payment Fee ₹800
Cash Advance Fee 2.50% (min ₹500)
Over Limit Fee ₹500
Fee Waiver on Spend ₹1,00,000/yr
Reward Structure
Base
All Spends
₹0.40 /₹100
Cat
Dining
₹0.80 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
The HSBC HSBC Visa Platinum is a solid credit card option. With an annual fee of ₹1500, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee for HSBC Visa Platinum?
Rs 1,500, waived on Rs 1 lakh annual spend.
What rewards does HSBC Visa Platinum offer?
4X rewards on dining, 2X on shopping, accelerated rewards program.
Is there fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on fuel transactions.
What is the eligibility for HSBC Visa Platinum?
Minimum Rs 50,000/month income, CIBIL 720+.
Does it offer dining benefits?
Yes, 4X rewards on dining plus discounts at partner restaurants.
User Reviews
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