HSBC Lifetime Free Credit Card

In the world of credit cards, HSBC Lifetime Free Credit Cards stand out as exceptional choices, offering a mix of luxury, savings, and ease of use. Designed to elevate the overall lifestyle of users, these cards embody the ultimate in financial freedom and elegance. Without the burden of yearly or initial fees, owning an HSBC Lifetime Free Credit Card opens doors to a realm where every expense brings along a series of rewards and special treatments. Grab offer of Rs 1000 cashback voucher* on applying for HSBC Credit Card. 


Best HSBC Lifetime Free Credit Cards

Primarily there are 2 HSBC Lifetime Free credit cards that you can choose from. The table below outlines the key features of the HSBC Visa Platinum and HSBC Premier Mastercard. These HSBC bank credit cards are popular for having no joining or annual fees and come with special offers that provide a luxurious and smooth spending experience. Every purchase made using these cards offers rewards, making each transaction an opportunity to enjoy exclusive benefits and savings.

AttributesHSBC Visa Platinum CardHSBC Premier Mastercard
Best known forUnsurpassed offers and rewards, with exclusive privileges.Privileged lifestyle for HSBC Premier customers.
Joining & Annual FeesNilNil
Special Offer10% cashback up to Rs.2,000 in the first 30 days.-
Reward Points2 per Rs.150 spent, 5X Rewards after Rs.400,000 spend.2 per Rs.100 spent.
Fuel Surcharge WaiverYesYes
Air Miles ConversionInterMiles, British Airways, Singapore Airlines.Same as Visa Platinum.
Additional BenefitsDiscounts on various lifestyle categories.Airport lounge access, golf benefits, online fraud protection.
Age Requirement18+ years old-
Income RequirementRs.400,000 annuallyTRB of Rs.4,000,000 quarterly

HSBC Visa Platinum Card

CardHSBC Visa Platinum Credit Card
Card TypeRewards
Reward Features

- 10 points per ₹150 for annual spends above ₹4 Lakhs

- 2 points per ₹150 for spends below ₹4 Lakhs

Milestone RewardsEarn ₹250 cashback for every ₹50,000 spent quarterly, max ₹1,000
Additional Benefits

- Enjoy 3 free visits per quarter to domestic and international airport lounges

- Avail ₹500 Amazon voucher

- Receive ₹250 Swiggy voucher

- Benefit from 1+1 movie tickets on Saturdays via BookMyShow, up to ₹250

- Get a 10% discount on Tata Cliq, max discount ₹1,500 monthly

Fee for Rewards RedemptionNone
Limits on RewardsMax 15,000 points for accelerated rewards
Best Way to Redeem RewardsExchange points on HSBC Rewards Platform, each point worth ₹0.20
Forex Charges3.5%

Encased in a sleek design, the HSBC Visa Platinum Card is more than a piece of plastic – it’s a key to a world where every spend is rewarded. With a 10% cashback offer greeting new cardholders, the initiation into the world of HSBC is as delightful as the continuous journey. Each ₹150 spent unravels 2 reward points, a constant reminder of the delights that come with choosing HSBC.

HSBC Visa Platinum Card Eligibility

For the HSBC Visa Platinum Card, eligibility dances around the age of 18, with a minimum annual income requirement of ₹400,000 painting the financial canvas of potential cardholders. The absence of joining and annual fees is the prologue to a narrative of seamless, rewarding transactions, each moment echoing the strategic blend of luxury and savings.

HSBC Premier Mastercard

CardHSBC Premier MasterCard Credit Card
Card TypeRewards
Reward FeaturesEarn 2 points for every ₹100 spent on all purchases
Milestone Rewards

- Forex charges fully reversed and a ₹10,000 Taj voucher for annual spending of ₹20 Lakhs

- Earn 1 Lakh Club Vistara points for annual spending of ₹50 Lakhs

Additional Benefits

- Enjoy 6 free domestic airport lounge visits every quarter

- Get 2 international airport lounge visits yearly at no cost

- Play 5 complimentary golf games annually

Fee for Rewards Redemption₹50
Limits on RewardsNo cap on earned rewards
Best Way to Redeem RewardsUse points on HSBC Rewards Platform, with a point value of ₹0.30 each
Forex Charges1.99%

The HSBC Premier Mastercard is reserved for elite HSBC Premier customers and represents more than just a credit card; it’s a mark of a luxurious lifestyle. Each detail of the card is carefully selected to reflect the elegance and privileged status of its users. Cardholders earn 2 reward points for every Rs.100 they spend, serving as a constant reminder of the lavish experience offered by HSBC.

HSBC Premier Mastercard Eligibility

A Total Relationship Balance (TRB) of Rs.4,000,000 quarterly is the golden ticket to this world of luxury experience, where each feature is a meticulously crafted masterpiece echoing the sophistication of the cardholder.

Final Words on HSBC Credit Cards with No Fee For Lifetime

The HSBC Lifetime Free Credit Cards are not just financial tools; they are the keys to a world where luxury and savings coexist. Every transaction is an experience, a moment where the tactile touch of the card against a terminal unravels a world of rewards and privileges. In the competitive financial landscape of India, these cards stand as epitomes of innovation, luxury, and flexibility, echoing HSBC’s unwavering commitment to delivering unparalleled financial solutions.

FAQs on HSBC Lifetime Free Credit Cards

What is the credit limit for HSBC Lifetime Free Credit Cards?


The credit limit for each HSBC Lifetime Free Credit Card is determined individually, based on the applicant's financial standing, credit history, and income level. HSBC assesses these factors to assign a credit limit that aligns with the cardholder's spending habits and repayment capacity.

What are the eligibility criteria for obtaining an HSBC Lifetime Free Credit Card?


Applicants need to be at least 18 years old and meet specific income requirements to be eligible. Additionally, a good credit score and a stable source of income are essential. The eligibility criteria might vary between different types of HSBC Lifetime Free Credit Cards.

What benefits do I get with HSBC Lifetime Free Credit Cards?


HSBC Lifetime Free Credit Cards offer a range of benefits including zero annual and joining fees, reward points on every spend, cashback offers, and exclusive discounts and privileges across various categories like dining, shopping, and travel. The exact benefits can vary based on the specific card type.

Can I increase my HSBC Lifetime Free credit card limit?


Yes, you can request a credit limit increase by contacting HSBC customer service. Approval will depend on your creditworthiness, repayment history, and HSBC's policies at the time.

Is there an income requirement to apply for an HSBC Lifetime Free Credit Card?


Yes, there is a minimum income requirement to be eligible for the card. It varies depending on the specific card and the applicant’s location. Ensure to check the details before applying.

How long does it take to process my HSBC Lifetime Free Credit Card application?


The processing time can vary but typically, it takes a few business days to a couple of weeks to process an application after all required documents have been submitted and verified.

What makes HSBC Lifetime Free Credit Cards different from other credit cards offered by HSBC?


HSBC Lifetime Free Credit Cards come with the distinct advantage of having no annual or joining fees. They offer a range of rewards and benefits designed to provide value and convenience to the cardholders without the extra costs typically associated with premium credit cards.