HSBC
HSBC RuPay Platinum Credit Card
Annual Fee
Lifetime FreeBase Reward
1.33% points
Foreign Markup
3.5%
Welcome Benefits
₹500 Cashback on Logging in to the HSBC India Mobile Banking App and 2 Month EazyDiner Membership
Product Highlights
- Lifetime free credit card
- Earn 2 Reward Points for every ₹150 spent
Reward Calculator
Earns ₹1,000/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
4.0K
HSBC Reward Points
₹1.0K
via statement credit · ₹0.25/pt
Effective rate
0.33%
Annual fee
FREE
Year 1 net
+₹1,000
Year 2+ net
+₹1,000
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Fuel surcharge waiver (good news)
1%on ₹400–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 2 Reward Points for every ₹150 spent. Reward Points can be transferred to several hotel and airline partners such as Air India, Marriott, Air France, and Accor.
- Transfer Reward Points to Various Hotel/Airline Partners
Benefits & Features
Surcharge Waiver Up to ₹3,500 Each Year
Pros & Cons
Pros
- Lifetime free credit card with zero joining and annual charges
Cons
- Lacks milestone benefits compared to HSBC Visa Platinum Credit Card
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹4.0L+
Networks