The HSBC RuPay Platinum Credit Card charges no annual fee and no joining fee. It earns 2 RP per Rs 150. Read from the issuer's documents and an aggregator on 11 Oct 2026.
HSBCRuPay Platinum Credit CardCard design not shown
Rs 500 cashback on app login plus Rs 5,000 spend in 30 days; 2 months EazyDiner membership; Rs 250 Amazon voucher for online application with video KYC (to 31 Oct 2026)
Reward currency
HSBC Reward Points
Base earn
2 RP per Rs 150
Spends that earn nothingunverified
Issuer fuel page: no points on fuel transactions. Full exclusion list not read.
Reward notes
Page says points are earned on card-linked UPI payments but gives no UPI-specific rate or cap. Base return not computed: no point value stated.
Transfers
Ratiounverified
Page says points convert to air miles and hotel loyalty points in the HSBC India app; partners and ratios not stated
Travel and perks
Fuel surcharge waiver
1% waiver on fuel transactions of Rs 400-4,000, capped at Rs 250 a month, i.e. up to Rs 3,000 a year (issuer fuel page)
Other freebies
District by Zomato offers; RuPay and JCB network offers; usable abroad via JCB in about 160 countries
Charges and eligibility
Late payment feeunverified
Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month
Eligibility
Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.
Fine-print notes
Product page and HSBC's fuel surcharge page were read; the RuPay Platinum MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/rupay-platinum/hsbc-rupay-most-important-tncs.pdf) is blocked to automated readers. Interest, cash advance fee and forex stay null: the Card Insider page for this card could not be fetched (fetch budget ran out) and Paisabazaar's general 'up to 3.49% a month' and '3.5% forex' figures conflict with other sources. Can be linked to UPI apps.
Questions
What is the annual fee of the HSBC RuPay Platinum Credit Card?
No annual fee.
Which spends earn no rewards on the HSBC RuPay Platinum Credit Card?
Issuer fuel page: no points on fuel transactions. Full exclusion list not read.