HSBC Visa Platinum Credit Card Review

If you are looking for a low-cost credit card for your daily use, then you should take a look at the hsbc visa platinum credit card. Targeting the huge Indian customer base, this visa platinum card offers useful hsbc credit card rewards with every transaction, free movie tickets every month, lost card liability coverage, and lots more. More about the hsbc platinum credit card benefits are discussed below.

How does the hsbc visa platinum credit card eligibility work?

  • Resident Type: Indian. 
  • HSBC credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.4,00,000 annually.
  • HSBC bank card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs.4,00,000 annually.
  • A CIBIL score of 680+ is required to apply for the hsbc visa platinum credit card.
  • This hsbc platinum card is available in Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, and Pune

What documents are required to apply for the hsbc visa platinum credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

What are the HSBC visa platinum credit card fees?

  • HSBC visa platinum card joining fee: None. 
  • HSBC visa platinum credit card annual fee: None.

What are the hsbc visa platinum credit card benefits?

  • A huge joining bonus to welcome you:

The details of the hsbc platinum credit card welcome benefits are mentioned below.

Credit card usage


Rs.2500 within the first 30 days of your credit card pin generation
  • Amazon voucher, worth Rs.500
  • Swiggy voucher, worth Rs.250
  • 3 complimentary domestic+international lounge access or 3 meal vouchers (can be used at domestic airport restaurants)
On performing 5 eligible credit card transactions (total accumulated value, Rs.10,000) within the first 60 days of your hsbc credit card activation. 10% cashback (upto Rs.2000)
  • Make every transaction rewarding:

The hsbc visa platinum credit card reward points are offered like this.

Category of transaction

Rate of earning reward points

Every Rs.150 spent using this hsbc credit card 2 hsbc rewards
On crossing Rs.40,000 spending milestone within an anniversary year 5x hsbc rewards for every Rs.150 transaction in the next year (upto 15000 rewards per year)

Now the question is, ‘how to redeem hsbc visa platinum credit card points?’ The reward points can be converted into air miles or exchanged from the hsbc reward points catalogue.

  • Attractive hsbc credit card movie offers:

If you use this HSBC platinum card to book a movie ticket from BookMyShow you will get another ticket completely free (Maximum ticket value Rs.250). The hsbc bookmyshow offer is available only on Saturdays. Click here to find the details of the latest hsbc offers.

  • Get freedom from fuel surcharges:

This hsbc visa platinum credit card offers an Rs.250 monthly waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.4000.

  • Complimentary lost card liability coverage:

This hsbc visa platinum credit card features a lost card liability coverage, which means if this hsbc card ever gets lost or stolen, then you just have to report it by calling the hsbc credit card customer care no and you will no longer be liable for anything bad that may happen to your hsbc bank card account. 

  • Emergency card replacement facility:

In emergencies, you can get your hsbc platinum card replaced within 3 days from anywhere in the world.

What are the hsbc visa platinum credit card charges?


Chargeable amount

HSBC credit card cash advance fee 2.5% against the amount, min Rs.500 (check your HSBC platinum card limit before making a withdrawal)
HSBC platinum visa card finance charge 3.3% monthly (applicable if you don’t pay hsbc credit card bill within your credit card due date)
HSBC visa platinum credit card international transaction charges 3.50% against the transaction amount
HSBC supplementary credit card fee None

How to contact the hsbc credit card customer care department?

100xGain Ratings: 


Pros and cons of the hsbc platinum visa credit card:



  • This hsbc credit card offers some free movie tickets every month.
  • It is an hsbc lifetime free credit card.
  • This credit card features a good reward earning rate.
  • There are no travel benefits on this hsbc credit card.

Final Opinion:

If you want a low cost credit card for your daily use, then this hsbc visa platinum card can be a good option for you. With reward points on every transaction, a handsome waiver on fuel surcharges, and attractive deals on movie tickets, this hsbc card can offer you some attractive monthly savings.

But if you are looking for some better alternatives, then you can visit our best lifetime free credit cards page.

Alternative cards of the HSBC platinum visa credit card: 

  1. American Express SmartEarn Credit Card (Best for reward points)
  2. ICICI Bank Titanium Credit Card (Best for dining and fuel benefits)
  3. Kotak Mahindra Bank Aqua Gold Credit Card (Best for offering fuel surcharge waivers)

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