HSBC
HSBC Visa Platinum Credit Card
Annual Fee
Lifetime FreeBase Reward
1.33% points
Foreign Markup
3.5%
Product Highlights
- No joining and annual fee
- 2 Reward Points on every ₹150 spent
- Buy 1 Get 1 offer on movie tickets through BookMyShow
- 1% fuel surcharge waiver
Category Rewards
travel
Up to 6X on Travel via Travel-with-Points
6X
travel
Up to 6X on Travel via Travel-with-Points
6X
Specialty
Up to 6X on Travel via Travel-with-Points
6X
Reward Calculator
Earns ₹1,120/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.5K
HSBC Reward Points
₹1.1K
via statement credit · ₹0.25/pt
Effective rate
0.72%
Annual fee
FREE
Year 1 net
+₹1,120
Year 2+ net
+₹1,120
ongoing
Adjust your spend by reward bucket
2 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 on every ₹150 spent. Enjoy a 'Buy 1 Get 1 Free' offer on movie ticket bookings via BookMyShow.
- Redeem Reward Points for Gift Vouchers, Airmiles, and More.
Benefits & Features
Up to 15% Dining Discounts via EazyDiner.
Pros & Cons
Pros
- No joining fee
- No annual fee
- 2 Reward Points on every ₹150 spent
- Buy 1 Get 1 Free on movie tickets
Cons
- No lounge access
- Limited to certain categories for rewards
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