HSBC Platinum Credit Card – Zero Annual Fee with Attractive Introductory Offers [2025]

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Card Fees

Life-time Free (LTF)

Joining Fees

Life-time Free (LTF)

Annual Fees

3.5%

Foreign Transaction Fee

41.88%

APR

2.5%

Over-limit Fee

Eligibility Criteria

18-65

Minimum & maximum age criteria

₹33,3333

Minimum monthly income

750

Minimum credit score

Category

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Minimum Credit Score Required

750

Annual Charges

Life-time Free (LTF)

Features

  • 5X reward points on spends above ₹4L
  • Convert points to air miles
  • Fuel surcharge waiver up to ₹3,000/year

Welcome Offer

  • ₹250 Amazon voucher on online application

The HSBC Visa Platinum Credit Card offers lifetime-free membership with 5X reward points on high spends, air miles conversion, fuel surcharge waiver, and global acceptance.

Written By:

Aftab Memon

Last Updated:

May 1, 2025

Key Features

  • Reward Points:
    • Earn 2 reward points for every ₹150 spent.
    • 5X reward points on purchases after spending ₹4,00,000 in an anniversary year (capped at 15,000 bonus points).
    • Redeem points for vouchers, products, or convert to air miles with partners like Singapore Airlines, British Airways, Etihad, and Air India.
  • Welcome Benefits:
    • ₹250 Amazon voucher upon online application and completion of Video KYC.
  • Travel Benefits:
    • Convert reward points to air miles for various airlines.
    • Emergency card replacement globally within 3 days.
  • Dining & Entertainment:
    • 15% discount on dining at select restaurants when booked through EazyDiner (valid till 31 March 2025)
  • Fuel Surcharge Waiver:
    • 1% fuel surcharge waiver on transactions up to ₹3,000 per month across all petrol pumps in India.
  • Additional Benefits:
    • Zero liability on lost card if reported within 24 hours (coverage up to ₹3 lakh).
    • Balance transfer facility with EMI options.
    • Global acceptance and support for Google Pay transactions.​

Fees and Charges

Charge TypeAmount
Joining Fee₹0
Annual Fee₹0
Foreign Transaction Fee3.5% of transaction amount
Cash Withdrawal Fee2.5% (minimum ₹500)
Late Payment FeeUp to ₹950

Pro and Cons:

Pros:

  • Lifetime-free with no hidden charges
  • Accelerated reward points on higher spends
  • Option to convert points to air miles.
  • Fuel surcharge waiver benefits.​

Cons:

  • Limited to residents of select cities.
  • No airport lounge access included
  • Reward points on select categories only

 

How to Apply

Apply Now
  • Click on “Apply Now”
  • Fill in Personal Details
  • Upload Required Documents
  • Submit Application
  • Approval & Card Dispatch

Additional Information

  • Ideal for first-time credit card users.
  • No expiry on reward points.
  • Supports Google Pay transactions.
  1. What are the welcome benefits of the HSBC Visa Platinum Credit Card?
    • You receive a ₹250 Amazon voucher upon applying online and completing the Video KYC process.
  2. Are there any annual or joining fees?
    • No, the HSBC Visa Platinum Credit Card is lifetime-free with zero joining and annual fees.
  3. How does the reward points system work?
    • You earn 2 reward points for every ₹150 spent. After spending ₹4,00,000 in an anniversary year, you earn 5X reward points on subsequent purchases, capped at 15,000 bonus points.​
  4. Can I convert reward points to air miles?
    • Yes, reward points can be converted to air miles with partners like Singapore Airlines, British Airways, Etihad, and Air India.
  5. Is there a fuel surcharge waiver?
    • Yes, a 1% fuel surcharge waiver is available on transactions up to ₹3,000 per month across all petrol pumps in India.​
  6. What is the minimum income requirement?
    • A minimum annual income of ₹4,00,000 is required for salaried individuals
  7. Are there any travel benefits?
    • While there is no airport lounge access, you can convert reward points to air miles and avail emergency card replacement globally within 3 days.

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  2. American Express Platinum Travel Card – Free Travel Vouchers & Lounge Benefits [2025 Review]
  3. Amazon Pay ICICI Credit Card: Unlimited Cashback in 2025
  4. IndusInd Platinum Aura Edge: Earn More Reward Points in 2025

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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