HSBC Visa Platinum Credit Card
HSBC India
HSBC Visa Platinum Credit Card
HSBC India
Annual Fee
₹2,000
Effective Rate
0.25%
Network
VISA
Point Value
₹0.25/pt
About HSBC Visa Platinum Credit Card
HSBC Platinum with 2X RP on dining and select categories. Complimentary dining offers and golf.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
thumb_downCons
- cancelAnnual fee of ₹2,000 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- 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 via DreamFolks
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹3,000/yr value
Personal Accident Insurance
Personal accident cover up to ₹3 lakh
~₹2,000/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 | ₹2,000 |
| Forex Markup | As per issuer schedule |
| 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 Visa Platinum Credit Card.
Ready to apply for HSBC Visa 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.