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Application for hsbc visa platinum credit card

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Annual Fees
Free
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Joining Fees
Free
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Recommended Credit Score
760
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What is the HSBC Visa Platinum Credit Card?

The HSBC Visa Platinum Credit Card is a premier lifetime free credit card with exciting benefits, cashback, and rewards that allow Indians to enjoy the best of everything. It's an entry-level card perfect for those who are new to the credit scene. If you're a frequent shopper or traveler, this card gives you the privilege of earning reward points on every purchase. The best part about this card is that all the benefits and features can be enjoyed free of cost, as there is no joining fee or annual fee. 

Features and Benefits of the HSBC Visa Platinum Credit Card

The first benefit of applying for an HSBC Visa Platinum Credit card is that it has no joining or annual fee. Although it's a lifetime free credit card, the HSBC Platinum Credit card comes with a few lifestyle and travel-related perks. The benefits include:

Introductory Offer

Amazon Gift Voucher: On becoming a new member, cardholders receive an Amazon e-voucher of ₹500 on spends of ₹5000 in 30 days using HSBC Visa Platinum Credit Card. Click here to read the terms and conditions. 

Lifestyle Benefits

  • Movie offer: Cardholders can enjoy a Buy One Get One (BOGO) Free offer on movie tickets booked through BookMyShow on Saturdays. The maximum discount is capped at ₹250. 

 

  • Dining offer: Visa Platinum cardholders can also avail of up to 15% discounts at select restaurants in the city.

 

  • Fuel surcharge waiver: With the HSBC Visa Platinum Credit Card, cardholders can save up to ₹3,000 annually on fuel surcharges. 

 

  • 10% Cashback: Enjoy accelerated cashback of 10% on all dining, food delivery, and grocery spending. This cashback makes everyday expenses more rewarding.

 

  • Weekly Tata CLiQ discount: Every Thursday, enjoy a 10% discount of up to ₹300 on Tata CLiQ with a minimum transaction of ₹1000, available once a month.

 

  • Electronics discount: Every Thursday, cardholders receive a 10% discount up to ₹ 1,500 on electronics with a minimum transaction of ₹3,000, available once a month.

 

Travel Benefits - Air miles

The HSBC Platinum Credit card has been designed to complement your lifestyle.  Cardholders can convert their reward points into air miles with major airlines, including InterMiles, Club Vistara, Etihad Airways, British Airways, Air India's Flying Returns, and Singapore Airlines. Click here to know the conversion rates of different airlines. 

Other Benefits 

  • Zero liability for the lost card: You will receive insurance coverage of up to ₹300,000 for any unauthorized use of your card, starting 24 hours before you report it lost.

  • Emergency card replacement: In case of an emergency, you can request a quick replacement of your card. Upon losing your card, you can cancel it, and we will issue you an emergency replacement card anywhere within just 3 days.

  • Balance transfer: Cardholders can transfer their existing credit card balance to the HSBC Visa Platinum Credit Card and manage their finances more easily.

 

Reward Points 

HSBC Visa Platinum Cardholders earn 2 reward points on every ₹ 150 spent on a purchase with a Platinum Card. The more you shop, the more you earn. You can also earn 5X reward points on purchases made after spending ₹ 4 Lakhs with a maximum cap of 15,000 accelerated reward points within an anniversary year.

 

These reward points can be redeemed for a range of redemption options, including vouchers, gifts, air miles, charities, and much more. Click here to learn more about the Visa Platinum reward program. 

 

Note: The reward points earned are valid for three years. After this period, any unused reward points will expire.

 

What are the Eligibility Criteria for an HSBC Visa Platinum Credit Card?

To apply for an HSBC Visa Platinum Credit Card, you should meet the following basic criteria:

 

  • The applicant must be an Indian resident. 

  • The primary cardholder must be between 18 and 65 years old. 

  • The cardholder should have a minimum income of ₹4 Lakhs per year(For salaried individuals)

  • The applicant must have a credit score of 760 or above. 

  • The applicant must reside in one of the following cities: Bangalore, Chandigarh, Chennai, Gurgaon, Delhi NCR, Noida, Hyderabad, Mumbai, Pune, Kochi, Coimbatore, Ahmedabad, Jaipur, or Kolkata.

 

What are the Documents Required to Apply For a HSBC Visa Platinum Credit Card?

Once you meet the above eligibility criteria, you will need the following documents:

 

  • PAN Card Photocopy or From 60  

  • Identity Proof: Adhaar Card/ Voter ID/ Driving License (DL) 

  • Income Proof: Last three months' payslips or salary slips / IT return copy / Form 16 

  • Address Proof: (Gas Connection Bill/ Electricity Bill/ Driving License/ Landline Telephone Bill/ Ration Card)

  • Applicant's recent passport-size color photograph

 

Note: The required documents mentioned above are indicative and may vary from case to case during the application process.

HSBC Visa Platinum Credit Card Charges

Joining Fee                                  

Nil

Annual/Renewal Fee

Nil 

Finance Charges

3.49 % per month (41.88% per annum)

Cash withdrawal charge

2.5% of the withdrawn amount (minimum of Rs 500)

Late payment Charges 

Min. Rs.250 to max. 1200 per month 

Interest Rate 

3.49% per month

Foreign transaction fee 

3.5%+GST 

Card replacement fee

Nil 

Free credit period 

Up to 48 days

 

Please read the Platinum Credit Card terms and conditions by clicking here. 

FAQs 

  1. What is the income requirement for HSBC Platinum Visa? 

Ans: The minimum income required to be eligible for an HSBC Visa Platinum Credit card is Rs. 4,00,000 per annum. 

 

  1. Does the HSBC Platinum Card have lounge access? 

Ans: No. HSBC Platinum Card does not provide any airport or railway lounge access. 

 

  1. Is an HSBC Platinum card worth it? 

Ans: If you're new to the credit scene and are looking for a lifetime free credit card with lifestyle and travel benefits, the HSBC Visa Platinum Credit Card is a must-have in your wallet. 

 

  1. What is the annual fee for an HSBC Platinum Credit card? 

Ans: There's no annual fee applicable to the HSBC Visa Platinum Credit Card.

 

  1. What credit score do you need for a Platinum Credit card? 

Ans: The minimum credit score required to be eligible for HSBC Visa Platinum Credit card is 760. 

 

  1. What is the reward rate for the HSBC Platinum Credit card? 

Ans: Cardholders earn 2 reward points for every ₹150 spent with the HSBC Visa Platinum Credit Card.

 

  1. Is there any fee associated with getting an add-on credit card? 

Ans: No. There are no charges for obtaining an add-on card alongside the HSBC Platinum card when you apply.

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