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HSBC Visa Platinum Credit Card
HSBC

HSBC Visa Platinum Credit Card

Lifetime free with airline & hotel point transfers

Joining fee₹0
Annual feeLifetime free
NetworkVisa
Forex markup3.5%
LoungeNone
Best forLifetime Free
Apply on issuer site Compare
Details checked October 2026

01Rewards

All eligible spends2 reward points per ₹150
Hotels / flights on HSBC Travel with Points6X / 4X

Redemption: Transfer to 20 airline & hotel partners at 2:1, or redeem for vouchers.

02Fees, benefits & charges

Fee waiver
Lifetime free — no spend conditions
Welcome benefit
Up to ₹500 voucher on a ₹300+ transaction, plus 2,000 points on ₹5,000 spend in 30 days
Airport lounges
No lounge access
Forex markup
3.5%
Fuel
1% surcharge waiver up to ₹250/cycle + ₹250 quarterly contactless fuel cashback
No rewards on
Utilities, government, rent, insurance, fuel, wallet loads

03Highlights & watch-outs

Highlights

  • Genuinely lifetime free
  • Access to HSBC’s airline & hotel transfer partners
  • MakeMyTrip and Times Prime perks

Watch out for

  • No lounge access
  • 3.5% forex
  • Low base earn

Suits: A no-fee second card for building credit history with HSBC.

04FAQs

What is the annual fee of the HSBC Visa Platinum Credit Card?
The HSBC Visa Platinum Credit Card is lifetime free — there is no joining or annual fee.
Does the HSBC Visa Platinum Credit Card offer airport lounge access?
No lounge access
What is the forex markup on the HSBC Visa Platinum Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the HSBC Visa Platinum Credit Card?
Utilities, government, rent, insurance, fuel, wallet loads.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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