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Up to 5x reward points
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HSBC Visa Platinum is a lifetime free entry-level credit card for salaried individuals. The card offers rewards on all spends, but accelerated rewards can be earned beyond annual spends of Rs. 4 lakh. Though the value can be high for beginners or those who don’t frequently use their credit card, heavy spenders can fetch good returns.
Also Check: Best Credit Cards in India 2025
One of the key highlights of the card is its introductory offer under which the cardholders get an Amazon voucher. However, users must understand that this is just a one-time benefit that should not be a deciding factor to avail this card. Additionally, even while the card offers conversion to airmiles, the list of partners is not too exhaustive. Those who don’t mind paying an annual fee but want the air miles conversion option on the accumulated rewards can definitely find a better option with multiple airline partners. However, for lifetime-free credit cards, the offered benefits are good to stick to this card.
The card offers rewards on all spends as follows:
Redemption Options:
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| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Finance Charges | 3.3% p.m. | 39.6% p.a. |
| Minimum Payment Due (MPD) on extended credit usage | 5% of the total payment due (minimum of Rs. 100) |
You want a lifetime free credit card
You prefer earning rewards over cashback
You can spend beyond Rs. 4 Lakh in a year to earn accelerated benefits
Age: 18 to 65 years
Occupation: Salaried
Minimum Income: Rs. 4 Lakh per annum
For a lifetime free credit card, the HSBC Visa Platinum credit card offers good benefits, especially around the introductory offers and redemption options around five popular air miles with a decent conversion value of 2:1.
The HSBC Visa Platinum Credit Card could be a viable option for consumers who are new to credit and are looking for a lifetime free credit card. The best part about this card is that it provides a sign-up bonus of Rs. 2,250, which is a decent offer as compared to other lifetime free cards available in the market. However, these benefits should not be a deciding factor to own the card as other lifestyle benefits are limited. Having said that, the accelerated reward benefits, i.e., 5x rewards on spends above Rs. 4 lakh, can be a great option for heavy spenders seeking reward benefits at zero annual fee.
Everything you need to know about this credit card
No, HSBC Platinum credit card does not offer any complimentary airport lounge access to its users.
HSBC does not charge any joining or annual fee from HSBC Platinum credit card users.
Yes, HSBC Visa Platinum credit card is a lifetime free credit card without any joining or annual fee.
Credit card limit varies depending on the individual and as per their credit score, credit history, income and other related factors. So, there is no fixed credit limit that is assigned to all the cardholders.
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Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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