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HSBC Bank Credit Cards 2026

Explore all credit cards from HSBC Bank. 6 cards ranked by our experts.

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Showing 6 cards

Best for: Frequent travelers seeking 1:1 airline and hotel point transfers with instant redemption, travel marketplace accelerated rewards, and complimentary lounge access.
HSBC TravelOne

HSBC TravelOne

3.4 CardNitty rating
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Annual fee

₹4,999

Rewards rate

₹2.00 - ₹14.50/₹100

Joining fee

₹4,999

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access, Rewards, Travel
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CardNitty's take

Pros

  • Extensive 1:1 airline and hotel transfer partners (20+)
  • Accelerated rewards up to 24% via HSBC Rewards Marketplace
  • Instant point transfers via HSBC mobile app
  • 10 complimentary lounge visits per year (no min spend)
  • Golf access with 4 rounds + 12 lessons annually
  • Annual fee waiver on Rs. 8 lakh spend

Cons

  • High 3.5% forex markup negates international spend rewards
  • Many excluded categories (fuel, utilities, insurance, education)
  • Limited city availability for applications
  • Welcome benefits require app download + Rs. 10K spend in 30 days
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Best for: Frequent Taj Hotels guests, luxury travellers, high-net-worth individuals who value premium hotel privileges, exclusive lounge access, and concierge services
HSBC Taj

HSBC Taj

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹1,10,000

Rewards rate

₹1.01 - ₹3.35/₹100

Joining fee

₹1,10,000

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Dining, Lounge Access, Premium, Travel
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CardNitty's take

Pros

  • Unlimited global airport lounge access via Priority Pass
  • Complimentary Taj Palace stay and 2 IHCL hotel nights on activation
  • 25% off on stays, dining, spa, and Qmin at Taj properties
  • Exclusive Chambers Lounge and Taj Club Lounge access
  • 4 Blacklane chauffeur-driven airport transfers per year
  • NeuPass Taj InnerCircle Platinum Tier membership
  • BookMyShow BOGO and Starbucks 50% off

Cons

  • Very high joining and annual fee of Rs 1.1 Lakh + GST
  • Base reward rate of 1% is low for the fee bracket
  • Benefits are primarily useful for Taj Hotel guests
  • Forex markup of 3.5% unless you are an HSBC executive banking client
  • Limited to select cities for eligibility
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Best for: Individuals who spend heavily on dining, food delivery and groceries looking for high cashback with no brand restrictions.
HSBC Live+

HSBC Live+

3.6 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹999

Rewards rate

₹1.50 - ₹7.50/₹100

Joining fee

₹999

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Dining, Grocery, Lounge Access
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on dining, food delivery and groceries
  • 1.5% unlimited cashback on all other eligible retail spends
  • Low annual fee of Rs 999 easily waived on Rs 2L spend
  • Automatic cashback credit, no redemption hassle
  • 4 complimentary domestic airport lounge visits per year

Cons

  • High forex markup at 3.5%
  • No fuel surcharge waiver
  • Long list of cashback exclusions including utilities, fuel, rent, insurance
  • No international lounge access
  • Available only in select Indian cities
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Best for: Budget-conscious users wanting a lifetime free card with air miles conversion and fuel benefits
HSBC Visa Platinum

HSBC Visa Platinum

4.1 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹4.00/₹100

Joining fee

FREE

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Entry Level, Fuel, Lifetime Free, Rewards
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CardNitty's take

Pros

  • Lifetime free - zero joining and annual fees
  • Air miles conversion to 14+ airline partners
  • Rs.250 fuel cashback per quarter on contactless payments
  • Visa Signature perks including Times Prime membership
  • 3-year reward point validity

Cons

  • No airport lounge access
  • High 3.5% forex markup
  • Many reward exclusion categories
  • Average base reward rate of 0.67%
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Best for: First-time credit card users, UPI payment enthusiasts, and those seeking a lifetime free card with basic rewards and international usability.
HSBC RuPay Platinum

HSBC RuPay Platinum

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹0.67/₹100

Joining fee

FREE

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Lifetime free with no joining or annual fees
  • Earn 2 reward points per ₹150 spent
  • UPI payment integration with all major apps
  • International usage via JCB network in 160+ countries
  • Fuel surcharge waiver up to ₹3,000 annually
  • 48 days interest-free period
  • Contactless payments enabled

Cons

  • No lounge access (domestic or international)
  • No milestone benefits
  • Basic reward rate compared to premium cards
  • Limited to entry-level features
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Best for: Entry-level cardholders seeking cashback on dining and groceries, frequent UPI users, those wanting affordable airport lounge access
HSBC RuPay Cashback

HSBC RuPay Cashback

2.8 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹499

Rewards rate

₹1.00 - ₹7.50/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 10% cashback on dining/grocery/food delivery
  • Affordable ₹499 annual fee
  • Complimentary lounge access (2 domestic per quarter + 2 international per year)
  • 0% forex markup until Dec 2025
  • UPI integration
  • ₹500 welcome cashback + Amazon voucher

Cons

  • Low ₹400 monthly cashback cap
  • No fuel surcharge waiver
  • No insurance coverage
  • Limited to select cities
  • No rewards on many categories
Read full review

About HSBC Bank

Total Cards

6

Country

India

Website

www.hsbc.co.in

Card Categories

Lifestyle Lounge Access Rewards Travel Co-Branded Dining Premium Cashback Grocery Entry Level Fuel Lifetime Free Shopping

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