HSBC RuPay Platinum Credit Card

HSBC RuPay Platinum Credit Card

Card Type :Rupay
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HSBC RuPay Platinum Credit Card offers exciting rewards, exclusive perks, and effortless payments with UPI. The card comes with zero joining and annual fees and provides Rs. 500 cashback, Rs. 250 Amazon eGift Voucher, 2-month EazyDiner membership, 10% off on grocery deliveries via Swiggy Instamart, 10% on orders of Rs. 2,499 or more on Tira and much more with zero joining and annual fees.

  • Key Highlights
  • Features & Benefits
  • Fees & Charges
  • Eligibility Criteria
  • Document Required
  • How to Apply

Key Highlights of HSBC RuPay Platinum Credit Card

The key highlights of the HSBC RuPay Platinum Credit Card are as follows:

Best forCashback & Discounts 
Joining FeeNil
Annual Fee Nil
Welcome Benefits Rs. 500 cashback, Rs. 250 Amazon eGift Voucher, and 2-month EazyDiner membership
Annual income At least Rs. 4 Lakhs
Age 18 to 65 years

Features & Benefits of HSBC RuPay Platinum Credit Card

Welcome Benefits

  • Rs. 500 cashback on downloading and logging in to the HSBC India Mobile Banking app and spending Rs. 5,000 within the first 30 days of getting your card. 
  • Rs. 250 Amazon eGift Voucher on applying for the card online, verifying yourself by video and receiving your card. 
  • 2-month EazyDiner Prime membership when you activate the card. With this membership, save up to Rs. 3,000 every time you eat out with a guaranteed 25% to 50% off at premium bars and restaurants, priority reservations at premium restaurants, 2x EazyPoints redeemable for free meals faster, and a dedicated VIP EazyDiner Prime Concierge line 7861004400.

Reward Points

  • 2 reward points for spending every Rs. 150 with your card.
  • Up to 6X reward points on hotels, flights & car rentals on Travel with Points.
  • Reward points can be instantly converted to air miles and hotel loyalty points with the HSBC India Mobile Banking app.

Swiggy Instamart Offer

  • 10% off on grocery deliveries via Swiggy Instamart.
  • The minimum order value should be Rs. 500 and above. 
  • The maximum discount available is Rs. 200. 
  • Use the coupon code HSBCRUPAY to avail the offer.
  • Offer is applicable once per user per month.

Tira Offer

  • Save 10% on orders of Rs. 2,499 or more on Tira.
  • The maximum discount available is Rs. 1,000.
  • Offer valid once per card per user per month on Wednesdays. 
  • Offer is valid for selected items only.

Paytm Offer

  • 5% off on transactions of Rs. 299 or above on broadband, prepaid and postpaid mobile, DTH, water, gas cylinders, piped gas, FASTag, and electricity bills. 
  • The maximum discount available is Rs. 150.
  • Use promo code HSBCRUPAY to avail the offer. 
  • Offer is valid only once per card during the Offer Period on select categories. 

Cleartrip Offer

  • 12% (maximum Rs. 1,600) off on domestic flights through Cleartrip (on minimum transaction value of Rs. 6,000). 
  • 10% (maximum Rs. 6,000) off on international flights through Cleartrip (on minimum transaction value of Rs. 15,000). 
  • 20% (maximum Rs. 5,000) off on domestic and international hotels through Cleartrip (on minimum transaction value of Rs. 5,000).
  • Use coupon code HSBCRPCC for full swipe transactions and HSBCRPEMI for EMI transactions. 

Fuel Surcharge Waiver

  • Annual savings of up to Rs. 3,000 on fuel surcharges with a fuel surcharge waiver.
  • Applies to fuel transactions between Rs. 400 and Rs. 4000. 
  • Maximum benefit is capped at Rs. 250 a month.

Other Benefits

  • No joining or annual fees.
  • Link your RuPay Platinum card to UPI apps to enjoy easy direct payments.
  • Use ATMs and make payments in 160+ countries and regions around the world, powered by the JCB network.

HSBC RuPay Platinum Credit Card Fees & Charges

The following are the charges associated with the HSBC RuPay Platinum Card:

  • Joining fee: Nil.
  • Annual fee: Nil.
  • Joining fee for add-on cardholders: Nil. 
  • Finance charges: 3.75% p.m. (45% p.a.).
  • Cash advance fee: 2.5% of the transaction amount (minimum Rs. 500).
  • Late payment fee: 100% of the minimum payment due (Rs. 250 to Rs. 1,200 per month).
  • Foreign currency transaction charges: 3.5%.
  • Cash payment charge: Rs. 100 at HSBC branches & dropboxes. 
  • Charges for bounced cheque/ dishonoured SI/ unsuccessful NACH payment: Rs. 500.
  • Charges for rental and related payments: 1% processing fee + applicable taxes. 
  • Transaction fee for cash advances at branches & ATMs: 2.5% of the transaction amount (minimum Rs. 500).
  • Transaction fee for cash withdrawal at ATMs overseas: Rs. 100. 
  • Overlimit fee: 2.5% of the overlimit amount or Rs. 500 (whichever is higher) + GST.
  • Balance transfer charges: Interest rate of 10.99% p.a. to 15.99% p.a. & processing fee of 1.5% (minimum Rs. 200).

HSBC RuPay Platinum Credit Card Eligibility Criteria

You can apply for an HSBC RuPay Platinum Credit Card by meeting the following eligibility criteria:

  • You must be an Indian resident.
  • You must be aged between 18 and 65 years.
  • Your annual income must be at least Rs. 4 Lakhs (if salaried individuals).
  • You must reside in Delhi National Capital Region (NCR), Gurgaon, Noida, Chennai, Pune, Hyderabad, Bangalore, Mumbai, Kochi, Ahmedabad, Chandigarh, Coimbatore, Jaipur, or Kolkata.

Document Required for HSBC RuPay Platinum Credit Card

To apply for an HSBC RuPay Platinum Credit Card, you will need to submit the following documents:

  • Proof of identity and address
  • PAN card
  • Latest monthly payslip (if salaried)
  • Last 2 years' ITR and 1 year's income proof (if self-employed)

Please note that the above-mentioned list is for reference only. The bank may ask for additional documents during the credit card application process.

How to Apply for HSBC RuPay Platinum Credit Card

You can apply for the HSBC RuPay Platinum Card online on the bank’s website/ mobile app or offline by visiting their nearest branch.

For an instant online application, you can apply from our platform.

  • Click on the ‘Credit Cards’ header and select the preferred credit card under the ‘HSBC Bank Credit Card’ option.
  • Then fill in and submit all the required details.
  • You will be assisted throughout the application process by our credit card experts.
  • On approval, your credit card will be dispatched to your address. 
  • The credit card and the PIN will be dispatched separately.

FAQs

There is no annual fee for the HSBC RuPay Platinum Credit Card.

Yes, you can link your HSBC RuPay Platinum Credit Card with UPI apps.

You can use your HSBC RuPay Platinum Card anywhere where RuPay cards are accepted, including online, in-store, and at ATMs across India. Also, you can link your RuPay card to a UPI ID to make instant payments.

Yes, the HSBC RuPay Platinum Credit Card is a lifetime free card.

Yes, the HSBC RuPay Platinum Credit Card gives you annual savings of up to Rs. 3,000 on fuel surcharges with a fuel surcharge waiver. The offer applies to fuel transactions between Rs. 400 and Rs. 4000. The Maximum benefit is capped at Rs. 250 a month