Credit Card Compare

HSBC Visa Platinum Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹0
Annual fee
2,000
Bonus points

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Application

CardIQ

41Fair

Fair

Overall score, out of 100 · How this works

  • Lifetime free63
  • Rewards30
  • Sign-up bonus20
  • Travel50

Customer reviews

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

Pros & cons

What's good

  • 2,000 bonus points to start, worth around ₹500 at our ₹0.25-per-point valuation.
  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee Nil; Annual fee Nil. No waiver condition applies as both are permanently zero. GST/taxes are excluded from stated charges and billed separately.
  • Earns 2 reward points per ₹150 on everyday spend, below the dataset average.
  • Requires a minimum income of ₹6,00,000 a year.
  • Up to 48 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
Visa
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
Reward points accumulated on HSBC Visa Platinum Credit Cards are valid for a period of three years.

Sign-up bonus

Bonus spend required
spend at least INR5,000 in the first 30 days of having your card
Sign-up bonus
2,000 points

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 91 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Sign-up bonus₹500Middle of the market (22nd of 37 cards)
Rewards value₹1,800 a yearNot as good as most cards (39th of 61 cards)
Interest-free days48 daysNot as good as most cards (54th of 73 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
Australian credit card statisticsHow CardIQ scores cards
Issuer
HSBC