HSBC Platinum Credit Card
HSBC India · Visa
Why this card?
- 2% back in reward points on travel at Hsbc_travel_with_points; 0.33% on other spends
- Lifetime free — no joining or annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- HSBC India
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 5% on birthday month spends (5x reward points)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
HSBC Platinum is a solid lifetime-free entry card. The base reward rate is modest, but the zero-fee structure and Visa Signature benefits make it a good first credit card or low-commitment secondary card for HSBC banking customers.
Pros
- Zero joining and annual fee — truly lifetime free
- Up to 6X points on hotels, flights and car rentals booked via the HSBC Travel with Points portal
- Fuel surcharge waiver of up to ₹250 a month on fuel payments between ₹400 and ₹4,000
Cons
- Low base reward rate: 2 points per ₹150, roughly 0.33% back as points
- No lounge access at any tier
- 3.5% forex markup — expensive for international use