The HSBC Visa Platinum Credit Card charges no annual fee and no joining fee. It earns 2 RP per Rs 150. Accelerated earn: Up to 6X points on hotels, flights and car rentals via HSBC Travel with Points. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
HSBCVisa Platinum Credit CardCard design not shown
2,000 reward points on app login plus Rs 5,000 spend in 30 days; 2 months EazyDiner membership; voucher up to Rs 500 on a first transaction of Rs 300+; 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
Accelerated earn
Up to 6X points on hotels, flights and car rentals via HSBC Travel with Points
Spends that earn nothingunverified
Issuer fuel page: no points on fuel transactions. Aggregator: no points on utilities, tax, real estate, non-financial and financial institutions, money transfers, jewellery, insurance, fuel, e-wallet loads, bail and bond payments, education and government.
Points expiry
3 years, counted from the end of the calendar month in which earned; oldest points used first
Reward notes
Base return not computed: no rupee value per point was found. On the aggregator's 2 RP : 1 mile ratio the base is about 0.67 miles per Rs 100.
Transfers
Partners
Air India, Etihad Airways, British Airways, Singapore Airlines
Ratio
2 RP : 1 mile/point for Air India, Flying Blue, British Airways, Etihad, EVA Air, JAL, KrisFlyer, Qantas, Qatar, Thai, Vietnam Airlines, Accor, IHG, Marriott and Wyndham. 1 RP : 2 AirAsia points. 3 RP : 1 United. 4 RP : 1 for Hainan and Turkish. 10 RP : 1 Shangri-La point.
Travel and perks
Domestic loungeunverified
None (aggregator)
International loungeunverified
None (aggregator)
Forex markupunverified
3.5%
Fuel surcharge waiver
1% waiver on fuel transactions of Rs 400-4,000, capped at Rs 250 a month (issuer fuel page). Plus Rs 250 cashback on Rs 10,000 of contactless fuel spend per quarter.
Other freebies
Times Prime 12-month subscription; MakeMyTrip seat selection twice a year and 15% hotel cashback (Visa Signature offers); District by Zomato; lost card liability cover up to Rs 3 lakh
Charges and eligibility
Interest per monthunverified
3.75%
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
Cash advance feeunverified
2.5% min Rs 500
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 Platinum MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/platinum_mostimp_tnc.pdf) is blocked to automated readers. The page lists Visa Signature perks even though the card is named Platinum. Transfer ratios, forex and lounge are from Card Insider (17 Jul 2026); the issuer page names only four airline partners for this card. HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.
Questions
What is the annual fee of the HSBC Visa Platinum Credit Card?
No annual fee.
Does the HSBC Visa Platinum Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the HSBC Visa Platinum Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HSBC Visa Platinum Credit Card?
Issuer fuel page: no points on fuel transactions. Aggregator: no points on utilities, tax, real estate, non-financial and financial institutions, money transfers, jewellery, insurance, fuel, e-wallet loads, bail and bond payments, education and government.