Credit Card Compare

HSBC RuPay Platinum Credit Card

Data last updated 27 October 2026
45.00%
Purchase rate
₹0
Annual fee
48 days
Interest-free

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Application

CardIQ

47Fair

Fair

Overall score, out of 100 · How this works

  • Lifetime free63
  • Rewards30

Customer reviews

No reviews yet. Be the first to review the HSBC RuPay Platinum Credit Card.

Pros & cons

What's good

  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • No joining fee and no annual fee. All charges are exclusive of GST.
  • Earns 2 Reward Points per ₹150 on everyday spend, below the dataset average.
  • Requires a minimum income of ₹6,00,000 a year.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HSBC Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
₹6,00,000 p.a.
Residency
Indian resident
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,200
Over limit fee
₹500

Repayments

Interest-free period
Up to 48 days on purchases
Minimum repayment
The higher of ₹100 or the sum of: 100% of all interest, fees, and taxes billed in the current statement; 100% of EMI amounts billed; the higher of past due amounts or any over-limit amount; 1% of the billed statement balance (excluding EMI balance, fees, interest, and taxes billed)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
2 Reward Points per ₹150
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 94 cards)
Purchase rate45.00%Top 25% (22nd of 94 cards)
Overseas fee3.50%Better than most (34th of 94 cards)
Rewards value₹1,800 a yearNot as good as most cards (41st of 64 cards)
Interest-free days48 daysNot as good as most cards (58th of 79 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for IndiaHow CardIQ scores cards
Issuer
HSBC