rupayplatinumcredit

HSBC RuPay Platinum Credit Card

HSBC

shopping

Annual Fee

FREE

Joining Fee

Lifetime Free

Base Reward

1.33% points

Foreign Markup

3.5%

Interest Rate

3.75% Per Month (45% Per Annum)

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

Rewards

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.

Redemption

Transfer Reward Points to Various Hotel/Airline Partners

Benefits & Features

Surcharge Waiver Up to ₹3,500 Each Year

Fees & Charges

Annual FeeFREE

Joining FeeLifetime Free

Foreign Markup3.5%

Interest Rate3.75% Per Month (45% Per Annum)

Cash Advance2.5% of the Advance Amount, Subject to a Minimum of ₹500

Eligibility

Min Age

18 years

Max Age

65 years

Min Income (Salaried)

₹4,00,000

Available Networks

rupay

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

utilitiestax paymentsreal estatenon-financial institutionsmoney transfersjewelry purchasesinsurancefuelfinancial institutionse-wallet loadingbail and bond paymentseducationgovernment services

Partner Merchants

Air IndiaMarriottAir FranceAccor