The HSBC Visa Platinum Credit Card is an entry-level, lifetime free credit card packed with exclusive benefits. With no joining or annual fees, this card offers reward points, dining discounts, movie offers, and more, making it a smart choice for everyday spending.
Key Features & Benefits
🎟️ Entertainment & Dining Perks
- Buy 1 Get 1 Free on movie tickets via BookMyShow (Max discount: ₹250, applicable only on Saturdays).
- Up to 15% dining discounts at partner restaurants via EazyDiner.
💰 Rewards & Cashback
- 2 Reward Points for every ₹150 spent.
- 5X Reward Points (up to 15,000 points) after spending ₹4 lakhs in an anniversary year.
✈️ Travel & Air Miles Redemption
Convert reward points into air miles with leading airlines:
| Airline / Program | Conversion Rate |
|---|---|
| InterMiles | 2 Reward Points = 1 InterMile |
| Singapore Airlines (KrisFlyer) | 2 Reward Points = 1 Mile |
| British Airways (Avios) | 2 Reward Points = 1 Avios Mile |
| Etihad Airways | 2 Reward Points = 1 Air Mile |
| Air India (Maharaja Club) | 2 Reward Points = 1 Point |
🔒 Security & Convenience
- Fuel surcharge waiver
- Zero liability protection in case of a lost/stolen card.
Fees & Charges
| Fee Type | Charges |
|---|---|
| Joining Fee | Nil (Lifetime Free) |
| Annual Fee | Nil |
| Interest Rate | 3.49% per month |
| Cash Advance Fee | 2.5% (Min. ₹500) |
| Foreign Currency Markup | 3.5% |
Eligibility Criteria
✅ Age: 18 – 65 years
✅ Minimum Income: ₹4 lakhs per annum (salaried)
✅ Cities Available: Bengaluru, Delhi, Gurugram, Hyderabad, Mumbai, Chennai, Noida, Kolkata, Pune, Chandigarh, Jaipur, Ahmedabad
How to Apply?
You can apply online or offline:
Online Application
- Click on “Apply Now“
- Enter your name & mobile number
- Verify via Aadhaar-linked mobile OTP
- Complete the application & submit documents
Offline Application
Visit the nearest HSBC branch with required documents.
Why Choose HSBC Visa Platinum Credit Card?
✔ No joining or annual fees – A truly free credit card!
✔ Accelerated rewards after ₹4 lakhs spend
✔ BOGO movie tickets & dining discounts
✔ Air miles redemption for travel lovers
This card is perfect for those who want a no-cost credit card with decent rewards and lifestyle benefits. It competes with other popular cards like the ICICI Platinum Chip Credit Card but stands out with its lifetime free advantage.
Have Questions? Check FAQs Below!
Q: Is there any annual fee for this card?
A: No, it’s a lifetime free credit card with zero joining or renewal fees.
Q: How do I redeem reward points?
A: Points can be redeemed for gift vouchers, air miles, or merchandise via HSBC’s rewards portal.
Q: What is the 5X reward points offer?
A: After spending ₹4 lakhs in a year, you earn 5X reward points (up to 15,000 points).
Q: Is there a lounge access benefit?
A: No, this card does not offer lounge access.
Final Verdict: A Smart, No-Cost Card for Savvy Spenders!
The HSBC Visa Platinum Credit Card is a great pick for those who want a free credit card with decent rewards, dining perks, and movie benefits. If you’re looking for a simple, no-frills card with good value, this could be your ideal match!
👉 Apply Now & Start Earning Rewards!
Got feedback? Share your thoughts in the comments below! 💬
