Lifetime free
HSBC Visa Platinum Credit Card
A lifetime-free HSBC card with points you can transfer to airlines and hotels, a welcome voucher, and ₹250 back each quarter on fuel.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top rewardBonus points on travel with points
LoungeNone
Forex markup3.5%
Best for: People in HSBC cities who want a free card with airline and hotel transfers.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Travel booked on HSBC Travel with Points | Up to 6X points | – |
| Other spends | 2 points per ₹150 | – |
| Instant EMI | Nothing | – |
- Points are worth ₹0.25 to ₹1 depending on how you use them.
- Transfer to Air India, British Airways, Marriott, Accor and others, mostly at 2 points to 1.
Benefits
Welcome benefit
- 2,000 points on ₹5,000 spend in 30 days, a voucher up to ₹500 and 3 months of Swiggy One.
Milestones
- ₹250 cashback each quarter you spend ₹10,000 on contactless fuel payments.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹4,000, up to ₹250 a month.
Other perks
- 10% off on dining and shopping
- Buy one get one movie tickets on District
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 18 to 65, ₹6 lakh a year
- Self-employed: age 25 to 65, ₹12 lakh a year
- Only in cities where HSBC operates
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee
- Transferable points
- Fuel cashback
Watch out for
- Low base rate
- No lounges
- Limited to HSBC cities
Recent changes
- 2026Welcome offer now includes a Swiggy One membership.
Frequently asked questions
Is HSBC Visa Platinum lifetime free?
Yes, there is no joining or annual fee.
Ready to apply for the HSBC Visa Platinum Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: PickMyCard. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.