The HSBC VISA Platinum credit card is ideal for purchases such as shopping, dining, and gas. The cardholder can also earn rewards points and use a variety of premium services from the bank, including as concierge services, 0% liability for lost or stolen cards, and emergency card replacement.
Type of Charges |
Amount/Percentage |
Annual Fee |
Nil |
Joining Fee |
Nil |
Rate of Interest |
3.30% per month |
Fee for Cash Withdrawal (In India) |
2.50% of transaction amount (minimum ₹300) |
Fee for Cash Withdrawal (Outside India) |
₹100 |
Fee for Redeeming Rewards |
₹50 / request |
Fee for Duplicate Statement |
₹100 per statement for over 3 months |
Penalty for Cheque Bounce |
₹350 |
Over-limit Fee |
₹500 p.m. |
Late Payment Charges |
50% of Minimum Amount Due (ranging between a lower limit of ₹400 and upper limit of ₹750) |
Fee for Retrieving Sales Slip |
₹225 p.m. |
Fee for Outstation Cheque Processing |
|
Fee for Card Replacement (Within and outside India) |
₹100 |
Fee for Currency Exchange |
3.5% of the transaction amount |
Charges for Paying in Cash at the Branch |
₹100 |
Fee for Report on Credit Information |
₹50 |
To begin your online HSBC credit card application, visit HSBC.
Fill in the basic information such as your name, residence, date of birth, and monthly income.
Filter the results to show credit cards from HSBC Bank. The HSBC Visa Platinum Credit Card will appear on the list if you are eligible.
Choose the option that best fits your financial situation, and then apply for the credit card. Your credit card application will be reviewed by the bank, and it will then be processed.
You will receive your credit card within a few business days once your application has been approved.
Those who want to apply by mail should go to their nearest HSBC Bank office.
A lifestyle credit card with enticing benefits and incentives.
There are no joining or annual fees.
Introductory offerings that are exciting.
Travel vouchers are provided free of charge.
Within the first 60 days after receiving the card, you will receive a 10% cashback.
Per year, you can get up to Rs.3,000 worth of movie vouchers.
Dining discounts of 15% are available at partner restaurants in major Indian cities.
The following are the essential requirements for applying for an HSBC Platinum Visa Credit Card:
The applicant's age must be at least 18 years old and no more than 65 years old.
The card is only available to salaried individuals.
A minimum gross annual income of rupees four lakh is required.
You must live in one of the cities where the credit card is available.
If you're interested in applying for the HSBC Platinum Visa Credit Card, the documents you'll need to submit are listed below.
Obtain a copy of your most recent pay stub or salary certificate from your company.
a copy of your current credit card and your most recent credit card statement
Salary credits are shown on the last three months' bank statements.
Proof of residency, identification, and a PAN card or Form 60 are all required.
Customers can raise complaints and get answers to their questions by speaking with HSBC credit card customer care representatives directly. Call the toll-free number provided by the bank to reach the customer service department. Toll-free numbers are available 24 hours a day, seven days a week. The toll-free number is as follows:
Toll-Free Number |
1860 108 7788 or 1860 500 2277 |
The HSBC Visa Platinum credit card is designed to give unparalleled convenience and benefits. Access to HSBC Group ATMs and Visa-affiliated ATMs, as well as Visa merchant outlets around the world.
The biggest advantage of the HSBC Visa Platinum credit card is that the customer is not charged a joining or yearly fee. Instead, the cardholder receives benefits depending on how much money they spend. In India, there are only a few lifetime free credit cards, and HSBC Visa Platinum is perhaps the greatest of them all.
Yes, there is no joining fee charged.
The HSBC Visa Platinum Credit Card's credit limit varies based on individual factors such as your payment history, income group, and creditworthiness. It is ultimately determined by the bank during the application and approval process and is communicated to you while issuing the card. However, the bank can modify this limit at any time. If you want to increase the limit, a review application can be submitted six months from the date of issue.
The HSBC’s Platinum Card allows you to enjoy a credit period of up to 48 days with zero finance charges. However, it is important to note that this period will not be valid if there is any outstanding bill amount for the previous month.
All the points collected by using the HSBC Platinum Credit Card remain valid for three years. If you do not utilise these points until then, all the remaining rewards points will expire.