HSBC RuPay Platinum Credit Card
HSBC India
HSBC RuPay Platinum Credit Card
HSBC India
Annual Fee
₹1,499
Effective Rate
0.25%
Network
RUPAY
Point Value
₹0.25/pt
About HSBC RuPay Platinum Credit Card
RuPay Platinum with UPI linking. Reward points on all spends including UPI transactions.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
thumb_downCons
- cancelAnnual fee of ₹1,499 with no waiver option
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 3% | 300 pts≈ ₹75 |
| All other spends | 1% | 100 pts≈ ₹25 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HSBC India rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
1 complimentary domestic lounge visit per quarter
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
~₹2,500/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HSBC India website.
| Annual Fee | ₹1,499 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HSBC RuPay Platinum Credit Card.
Ready to apply for HSBC RuPay Platinum Credit Card?
Apply directly on the HSBC India website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.