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 chargeAmount
Joining feeNil
Annual feeNil
Charge in case of cheque bounceRs 500
Interest rate3.3% per month and 42% per annum
Cash withdrawal fee2.5% of the transaction amount 
Rewards redemption feeRs.50 per request
Late payment fee50% of the minimum due amount
Overlimit feeRs 500 per month
Out of town cheque processingRs 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 fee3.5%
Card replacement chargeRs.100
Free credit period45 days
Balance inquiry on the credit card at other bank ATMsNIL
Handling charges for the redemption of rewardsNIL

Features and Benefits of HSBC Visa Platinum Credit Card

Rewards point benefitsEarn 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 rewardsfree 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 privileges15% discount at select restaurants in your city
Wave and make paymentsThe card is enabled for contactless technology hence allows you to make payments by simply waving it at the retail terminals.
Fuel benefitReceive a 1% fuel surcharge waiver on every fuel transaction up to Rs.4,000. Up to Rs. 250 every month
Worldwide acceptancecredit 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 ticketsfree movie ticket voucher worth up to Rs.500 on spends of Rs.50,000 or more in a calendar month
Lifestyle Benefitsdiscounts on hotels, lifestyle stores, spas, salons, wine junctions, and others
Dining Benefitsa minimum discount of 15% on dining at more than 2,500 restaurants in 12 major cities
Add-on credit cardsapply for up to 3 add-on credit cards for your immediate family members

FAQ for HSBC Visa Platinum Credit Card

How to Apply Online for an HSBC credit card? 

You can apply for an HSBC credit card online by going to www.hsbc.co.in/credit-cards/ and selecting ‘Apply now’.
Or you can call our HSBC Phone Banking to arrange for a representative to visit you.
Or you can visit any HSBC branch in India. (Find your nearest branch here  Click here to find your nearest HSBC branch..)

How much time does it take to receive an HSBC credit card? 

Once the application is recieved along with all the required documents, your application will be processed within two weeks. You will receive your new credit card in 7 working days, once your application is approved. The Bank will send you timely alerts on the credit card application status by way of an SMS on the mobile number stated on your application form.

How can I track the application status of the HSBC credit card? 

Once your credit card is delivered,
You can track the status of the shipment using the Airway Bill on the courier’s website.
Blue Dart: Bluedart.comBluedart.com view blue dart website
DHL: Dhl.comDhl.com view DHL website
If you need any further assistance, please call our PhoneBanking number.

What is the limit of HSBC platinum credit cards?

You can find it in your credit card statement generated every month.

Does the HSBC Visa Platinum Credit Card provide airport lounge access?

Not for now.

What is the validity of the reward points on the Visa Platinum Card?

valid for 3 years Only.

Does HSBC credit card have annual fee?

No Annual Fee.