HSBC Visa Platinum Credit Card review, benefits, and Eligibility

HSBC Visa Platinum Credit Card review, benefits, Eligibility, Annual and Joining Fee, reward points, airport lounge access, log in details, fee waiver, balance transfer

HSBC Visa Platinum Credit Card

HSBC VISA Platinum credit card is best suited for shopping, dining, and fuel purchases. The cardholder can also earn reward points and get access to a host of other premium services from the bank including concierge services, zero lost card liability, and emergency card replacement.

Card Details

The HSBC Visa Platinum Card offers you unsurpassed offers and rewards, with instant recognition and exclusive privileges. Take the first step towards a world of incredible experiences..

• Nil joining and annual fees
• Introductory benefits up to INR 2,250 with 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine (meal)vouchers
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• Up to INR 3,000 annual savings on fuel surcharge
• Up to 15% discount at 1,000+ restaurants across major cities
• 5X rewards on spends over 4,00,000 in a year, up to maximum 15,000 total reward points in an anniversary year

Interest Rates & Fees Summary

Type of fee or charge	Amount
Joining fee	Nil
Annual fee	Nil
Charge in case of cheque bounce	Rs 500
Interest rate	3.3% per month and 42% per annum
Cash withdrawal fee	2.5% of the transaction amount
Rewards redemption fee	Rs.50 per request
Late payment fee	50% of the minimum due amount
Overlimit fee	Rs 500 per month
Out of town cheque processing	Rs 50 per instrument collection charge (up to `10,000)Rs 100 per instrument (`10,000 – `1 lakh)Rs 150 per instrument (greater than `1 lakh)
Copy of Credit Information Report (CIR)	NIL
Foreign currency transaction fee	3.5%
Card replacement charge	Rs.100
Free credit period	45 days
Balance inquiry on the credit card at other bank ATMs	NIL
Handling charges for the redemption of rewards	NIL

Features and Benefits of HSBC Visa Platinum Credit Card

Rewards point benefits	Earn 2 rewards points on every spent Rs.150Up to 5X more rewards points i.e., 10 reward points on every purchase made after the annual spend threshold of Rs.4 lakh up to a maximum of Rs.10 lakh within 12 months of card set-up.
Milestone rewards	free movie ticket voucher worth up to Rs.500 on spends of Rs.50,000 or more in a calendar month and Max Rs. 3000 in one annual year.
Dining privileges	15% discount at select restaurants in your city
Wave and make payments	The card is enabled for contactless technology hence allows you to make payments by simply waving it at the retail terminals.
Fuel benefit	Receive a 1% fuel surcharge waiver on every fuel transaction up to Rs.4,000. Up to Rs. 250 every month
Worldwide acceptance	credit card is accepted internationally and can be used in more than 24 million outlets across the globe including 3.25 lakh outlets within India.
movie tickets	free movie ticket voucher worth up to Rs.500 on spends of Rs.50,000 or more in a calendar month
Lifestyle Benefits	discounts on hotels, lifestyle stores, spas, salons, wine junctions, and others
Dining Benefits	a minimum discount of 15% on dining at more than 2,500 restaurants in 12 major cities
Add-on credit cards	apply for up to 3 add-on credit cards for your immediate family members

FAQ for HSBC Visa Platinum Credit Card