HSBC Platinum Credit Card Offers: Earn Rs 3400 Rewards

HSBC Visa Platinum Credit Card - Features, Fees, Benefits & How to Apply Online

A credit card is a payment method option that is issued by financial institutions, which allows cardholders the ability to borrow money and make their transactions or purchases. The cardholder is allowed to repay the spent amount, often with interest at a later date, which is typically designed based on the billing cycle.

HSBC Visa Platinum Credit Card: A Smart Financial Tool with Zero Annual Fee

Credit cards are among the most effective tools for managing personal finances. The HSBC Visa Platinum Credit Card stands out as a great option, offering not just convenience but also rewarding benefits. With this card, you can earn attractive rewards on everyday transactions, enjoy travel perks, and build a solid credit history, all while having the flexibility to make purchases without immediate cash in hand.

The HSBC Platinum Credit Card is especially appealing due to its zero annual fee, making it a cost-effective choice for both new and experienced credit card users. With a crowded market full of choices, this card offers a well-balanced mix of features and affordability.

Below, you’ll find key details about the HSBC Visa Platinum Credit Card, including eligibility criteria and the documents required to apply. If you're looking for a no-fee credit card with valuable perks, this one is worth considering.

Overview of the HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a no-annual-fee, entry-level credit card offered by HSBC India, combining everyday reward points with attractive lifestyle perks. With no joining or renewal fees, it’s perfect for individuals starting their credit journey, salaried professionals seeking a reliable and economical option, or anyone looking for a lifetime‑free credit card that still delivers meaningful value

Who It’s Best For

• Credit‑newbies or budget-conscious users: Its zero-fee model makes it a stress-free choice to learn credit management.

• Salaried individuals in major urban centers with a stable income of at least ₹4 lakh/year.

• Reward seekers who spend moderately: Though the base rate is modest, achieving Rs. 4 lakh annual spend unlocks accelerated points.

This balanced snapshot of the HSBC Visa Platinum Credit Card helps potential applicants quickly assess whether it aligns with their financial lifestyle. Let me know if you’d like me to expand into benefits, rewards breakdown, or document application steps next.

Eligibility & Documentation Requirements for HSBC Visa Platinum Credit Card

Before you begin the HSBC Visa Platinum Credit Card application process, it’s important to understand whether you meet the eligibility requirements and what documents are needed. Whether you're planning to apply for the HSBC Visa Platinum Credit Card online or offline, meeting these criteria ensures a smoother approval process.

Who Can Apply for HSBC Platinum Credit Card?

To qualify for the HSBC Platinum Credit Card, you’ll need to meet the following criteria:

• Age Requirement: You must be between 18 and 65 years of age.

• Income Criteria: A minimum annual income of Rs.4 lakhs is required. This card is tailored for salaried individuals.

• Employment Type: Only salaried individuals are eligible. However, self-employed applicants can apply if they hold a savings or current account with HSBC.

• Residential Status: Applicants must be Indian residents.

• Eligible Cities: You should be residing in one of the following cities:
  Mumbai, Bengaluru, Delhi, Gurugram, Chennai, Hyderabad, Pune, Noida, Kolkata, Chandigarh, Jaipur, or Ahmedabad.

These parameters make up the core of the HSBC Visa Platinum Credit Card eligibility requirements.

Documents You’ll Need

When you’re ready to begin your HSBC Visa Platinum Credit Card application, make sure you have the following documents handy:

• Identity Proof: Aadhaar card, PAN card, or passport.

• Address Proof: Utility bill, Aadhaar card, passport, or rental agreement.

• Income Proof: Latest salary slips or bank statements (typically for the past 3 months), Form 16, or ITR.

• Photograph: Passport-size photo (if applying offline).

These are the documents required for HSBC Visa Platinum Credit Card whether you're applying online or through a branch.

How to Apply for HSBC Platinum Credit Card?

You can apply for HSBC Platinum Card online or offline, based on your convenience:

• Online Application:

1. Visit the official HSBC India website.

2. Click on the ‘Apply Now’ button.

3. Enter your name and Aadhaar-linked mobile number.

4. Follow the prompts to complete your HSBC Visa Platinum Credit Card application process.

1. Visit your nearest HSBC Bank branch (in eligible cities).

2. Carry all the necessary documents.

3. Fill out and submit the physical application form.

Whether you're a first-time credit card user or looking to upgrade to a zero-fee, reward-packed card, meeting the HSBC Visa Platinum eligibility and preparing your documents in advance will help you sail through the application with ease.

Features of HSBC Credit Card

The HSBC Visa Platinum Credit Card is packed with benefits designed to offer more value with every transaction. Here's a detailed breakdown of its standout features:

Zero Joining or Annual Fee

One of the most attractive features of the HSBC Platinum Credit Card is that it comes with no joining or annual charges, making it a lifetime-free credit card. This makes it an ideal option for first-time credit card users or anyone seeking a cost-effective card with premium features.

Save Up to Rs. 3,000 Annually on Fuel Surcharges

Fuel expenses are a regular part of every commuter's life. With the HSBC Visa Platinum Credit Card, you can enjoy annual savings of up to Rs.3,000 on fuel surcharge waivers, helping you cut down on routine travel costs significantly.

Earn Reward Points on Every Transaction

Cardholders earn 2 reward points for every Rs.150 spent across eligible categories. This allows you to accumulate points quickly through regular spending, which can later be redeemed for various exciting rewards.

Convert Reward Points into Air Miles

The HSBC Platinum Credit Card gives you the option to convert your accumulated reward points into air miles, making it a smart choice for frequent travelers. This feature enhances the value of your points, especially if you prefer to use your rewards for flight bookings.

Accelerated Rewards on Higher Spending

In addition to the standard rewards, the card offers accelerated reward points once your annual spending crosses Rs.  4 lakh. This helps high-spenders unlock even more value from their purchases.

In summary, the HSBC Visa Platinum Credit Card is a great choice for those who want an affordable, reward-oriented credit card. Whether you're looking to save on fuel, earn travel perks, or simply enjoy a no-fee credit experience, the HSBC Platinum Credit Card checks all the right boxes.

Reward Points & Cashback Offers on HSBC Platinum Credit Card

The HSBC Visa Platinum Credit Card offers a simple yet rewarding points system that helps you earn on your everyday expenses. For every ₹150 spent using the card, you earn 2 reward points. These points can be redeemed for a wide range of options, including vouchers, merchandise, and even air miles making your spending work harder for you.

Additionally, after reaching an annual spend threshold of Rs. 4 lakh, you unlock accelerated rewards with 5X bonus points on incremental spends, capped at 15,000 bonus points per year. While this card doesn’t have direct cashback, the rewards-to-redemption value gives you similar financial advantages. Looking to save more while spending smart - than you can Apply for the HSBC Platinum Credit Card on Zingoy and unlock lifetime free benefits, exciting rewards, and exclusive Zingoy cashback!

Welcome Vouchers & Partner Privileges

New cardholders are greeted with exclusive welcome offers when they sign up for the HSBC Platinum Credit Card. Upon card activation and spending a specified amount within a certain timeframe, you can receive e-vouchers from top brands like Amazon, Myntra, or BigBasket.

The card also offers privileges with partner merchants, such as Buy 1 Get 1 free movie ticket offers, discounts on dining, and shopping benefits at select outlets. These perks enhance your overall lifestyle experience while making the most of your spending.

Fuel Surcharge Waiver & Interest‑Free Period

With the HSBC Visa Platinum Credit Card, you can enjoy fuel surcharge waivers of up to Rs. 3,000 per year. This benefit applies at all fuel stations across India on transactions ranging between Rs.400 to Rs. 4,000, which is ideal for daily commuters and frequent drivers.

Moreover, the card provides an interest-free credit period of up to 52 days, provided you clear your outstanding balance in full by the due date. This gives you the flexibility to manage your finances without incurring interest, especially for high-ticket or emergency purchases.

Fees, Charges & Interest Rates on HSBC Platinum Credit Card

When selecting a credit card, understanding the fee structure is just as important as reviewing the rewards. The HSBC Visa Platinum Credit Card is known for its transparency and affordability, offering competitive rates and minimal hidden charges. Here’s a detailed breakdown:

Joining, Renewal & Add‑On Fees

• Joining Fee: ₹0

• Annual/Renewal Fee: ₹0

• Add-on Card Fee: ₹0

The HSBC Platinum Credit Card stands out for being a lifetime-free credit card, with zero joining or renewal charges. You can even request add-on cards for your family members at no additional cost, making it a budget-friendly choice for households.

Foreign Currency & Cash Withdrawal Fees

If you’re a frequent traveler or shop internationally, it’s essential to know the applicable foreign and cash transaction charges:

• Foreign Currency Mark-up Fee: 3.5% of the transaction amount.

• Cash Withdrawal Fee: 2.5% of the amount withdrawn or a minimum of ₹300 (whichever is higher).

• Finance Charge on Cash Advance: Begins immediately at 3.49% per month, with no grace period.

While the HSBC Visa Platinum Credit Card supports international usage, it’s advisable to minimize foreign and cash transactions to avoid additional charges.

Discover more from HSBC Platinum Credit Card: Benefits of HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is more than just a credit card designed for  spending it’s your financial partner packed with premium services, safety features, and everyday conveniences. Here's how you can unlock more value from your card:

Zero Liability on Lost Cards

With the HSBC Platinum Credit Card, your peace of mind comes first. In case of a lost or stolen card, you're covered for any fraudulent transactions up to ₹3,00,000, starting 24 hours before you officially report the loss. This ensures added security and confidence in every swipe.

Balance Transfer Facility

Easily consolidate your debts by transferring outstanding balances from other bank credit cards to your HSBC card. Enjoy the benefit of repaying in flexible EMIs at lower interest rates, helping you save more while simplifying your monthly payments.

Exclusive Offers & Partner Discounts

Enjoy handpicked discounts and offers with select partner brands, exclusively for HSBC cardholders. From dining to shopping and entertainment, the HSBC Visa Platinum Credit Card keeps your lifestyle stylish yet affordable.

Emergency Card Replacement Worldwide

Lost your card abroad? No worries! HSBC provides emergency card replacement within 3 working days, no matter where you are in the world ensuring uninterrupted access to your funds.

Seamless Payments with Google Pay

If you're using an Android smartphone, link your HSBC Visa Platinum Credit Card to Google Pay for a fast, secure, and contactless payment experience—whether you're shopping online or in-store.

Additional Services & Benefits

With your HSBC Platinum Credit Card, you can:

• Take out cash advances when you need instant funds

• Get global ATM access and transact internationally

• Manage your account 24/7 through HSBC's online and mobile banking platforms.

HSBC Visa Platinum Credit Card Rewards

The HSBC Visa Platinum Credit Card is designed to reward you for your everyday spending while offering attractive redemption options, including airline miles and lifestyle privileges. Here's a closer look at how you can earn and redeem reward points with this card:

Reward Earning Structure

• Base Rewards: Earn 2 Reward Points for every Rs.. 150 spent on eligible purchases.

• Accelerated Rewards: After your total annual spend crosses Rs. 4,00,000 within your card anniversary year, you become eligible to earn 5X Reward Points on subsequent spends capped at 15,000 bonus points per year.

This tiered reward structure allows you to earn faster as your spending grows, making the HSBC Visa Platinum Credit Card more rewarding for consistent users.

Reward Redemption Options

Your accumulated reward points can be redeemed under the HSBC Credit Cards Rewards Programme for a wide variety of options, including:

• E-gift vouchers

• Home appliances

• Electronics

• Personal care products

• Charitable donations

• Travel bookings

• And more

Convert Reward Points into Air Miles

Love to travel? With the HSBC Platinum Credit Card, you can convert your reward points into AirMiles across leading airline loyalty programs. Here’s the conversion breakdown:

This flexibility makes the HSBC Visa Platinum Credit Card a great companion for both frequent flyers and everyday shoppers.

How can the HSBC Platinum Credit Card annual fee be waived?

There is no need to waive the annual fee because HSBC does not charge any joining or renewal fee. The HSBC Platinum Credit Card is lifetime free, making it ideal for those seeking value without paying maintenance charges.

What is the credit limit on the HSBC Platinum Credit Card?

The credit limit on your HSBC Visa Platinum Credit Card is not fixed and depends on several factors including:

• Your credit score

• Income documents

• Credit history and existing liabilities

The HSBC Visa Platinum Credit Card application process includes a credit evaluation that helps determine your personalized credit limit.

What is the movie offer on HSBC Platinum Credit Card?

From time to time, HSBC Platinum Credit Card users may get Buy 1 Get 1 Free movie ticket offers or exclusive cinema deals in partnership with platforms like BookMyShow. These offers are not permanent and may vary as per HSBC’s promotional tie-ups.

What is the minimum income required?

To apply for HSBC Platinum Card online or offline, you must be a salaried Indian resident with a minimum annual income of ₹4 lakh. This is a key part of the HSBC Visa Platinum Credit Card eligibility criteria.

How long does approval take?

Once you've submitted your documents and completed the HSBC Visa Platinum Credit Card application process, it typically takes 5 to 10 working days for the card to be processed and approved, subject to eligibility and document verification.

Can I convert purchases to EMIs?

Yes, the HSBC Visa Platinum Credit Card allows you to convert eligible high-value purchases into EMIs at attractive interest rates. This helps manage big expenses like electronics or travel in easy monthly instalments.

What happens if I miss a payment?

Missing a payment on your HSBC Platinum Credit Card will result in:

• Late payment charges (₹250–₹950 based on outstanding amount)

• Finance charges of up to 3.49% per month

• Negative impact on your credit score

It’s advisable to pay the full outstanding amount or at least the minimum due to maintain a good credit history.