HSBC Visa Platinum Credit Card

 

HSBC Visa Platinum Credit Card is a lifetime free, that packs together entertainment, shopping, dining, fuel, and travel benefits, rewards and many more attractive offers in a single Credit Card. Extending premium Credit Card benefits such as complimentary Domestic and International Airport Lounge access, zero liability protection for lost card, emergency card replacement and insurance benefit up to 3 Lakh HSBC VISA Platinum Credit Card is certainly a great value house for Credit Card holder.

The HSBC VISA Platinum Card is all in all a perfect Credit Card for a user who wants a multi-use Credit Card. Furthermore, you also enjoy enhanced security feature through an embedded Chip setting and PIN verification at merchant establishment. A great add-on to your wallet for sure!

 

HSBC Visa Platinum Credit Card

 

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HSBC Visa Platinum Credit Card - Features and Benefits

Before signing up for a Credit Card it is important to know about its benefits and features. You should always choose the card that best matches with your spending habits.

Let's take a quick look at key features of HSBC Visa Platinum Credit Card:

Lifetime free Credit Card

HSBC Visa Platinum Card comes at zero joining and annual fees. Yes! This is a lifetime free Credit Card from HSBC Bank and brings premium benefits without hurting your pocket.

Joining benefits

Now HSBC Visa Platinum Card Holders can enjoy introductory benefits up to 5250. The welcome offers will be activated on single transaction of 500 within 30 days of card issuance. Besides, cardholder is also required to make at least 5 eligible transactions summing up to 5,000 within first 60 days from the date of card issuance.

Highlights of current welcome offer, that expires on June 30, 2021 are shared below. Do check for renewal or extension of these offers.

  • Voucher worth 2,000 from Cleartrip and 250 from Swiggy.
  • 10% cashback on a minimum of 9 transactions up to 10,000 in first 90 days. The maximum cashback offered is 2,500.
  • 3X rewards on card spends on dining, hotel, and telecom appliances in the first 12 months.

Movie benefits

A cardholder gets a movie ticket voucher worth 500 on spending above 50,000 in a calendar month. You can enjoy this privilege 6 times in a FY, i.e. a cardholder can enjoy 3,000 each year as movie ticket vouchers.

Under BookMyShow Saturday offer, you can enjoy buy-one-get-one-free movie ticket on Saturdays using your HSBC Card. The limit is capped at 250.

Rewards program

  • Earn 2 reward points per 150 spent
  • Enjoy accelerated 5X Rewards on subsequent purchases after crossing 400,000 annual spends. You can enjoy a maximum of 15000 accelerated reward points in a year. The spends capping for this offer is 10 Lakhs.
  • Discount of 15% at over 1,000 restaurants in major cities. visit simplyindulge.com to check the list of restaurants for offer.

Zero-liability for lost cards

You also get zero-liability for lost HSBC Visa Platinum Credit Card. In case of misplacing or losing the card, you should report and register the same to HSBC Bank and there will no liability for any fraudulent transactions on the card thereafter. The best part is an insurance cover up to 3 Lakh for misuse prior & after 24 hours of reporting and registering the card loss.

Emergency card replacement

Each HSBC Visa Platinum Credit Cardholder is powered by Visa Global Assistance Services or HSBC Helpline numbers worldwide. In case of emergency, you can cancel the card and get emergency card within 3 days. You can also withdraw emergency cash at over 22,000 global outlets.

Insurance benefits

The insurance benefits are sourced by ICICI Lombard General Insurance Company Limited.

Other benefits

An HSBC Visa Platinum Cardholder is entitled to all regular card benefits like cash advance, add-on Credit Cards, global access, online convenience, 24x7 Phone Banking etc. The benefits are spread across all lifestyle brands online & offline. Some popular ones are: 15% at TATA CLIQ & Swiggy, 5 % cashback at Indigo, travel offers at MMT, Cleartrip & Goibibo & many more.

Fuel surcharge waiver

Save up to 3,000 in a year on refuelling your Car. Enjoy 1% surcharge waiver at all fuel stations across the country on transactions between 400 to 4,000. The maximum saving will be 250 per month.

Air travel benefits

Enjoy ultimate ease of air miles conversion on InterMiles, British Airways and Singapore Airlines.

Airport Lounge access

3 complimentary domestic & international Airport Lounge access or 3 meal-vouchers that can be used at Airport restaurants in India

Fuel surcharge waiver

Each HSBC Visa Platinum Cardholder is awarded 1% surcharge waiver on fuel purchase for transactions in the range of 400 to  4,000. The maximum of 250 can be saved per month.

Easy Instalment Plans

Your card makes you eligible for easy and affordable EMI plans using any of the HSBC Credit Card facilities like Balance Transfer on EMI, Loan on Phone, Cash on EMI, Balance Conversion and Instant EMI plan.

Partner Offers for HSBC Visa Platinum Credit Card

  • Instant discount of 450 at BigBasket.
  • 10% discount on Flipkart in appliances segment.
  • MakeMyTrip offer: Special experiences & offers for domestic hotel bookings;
    Instant discount of 15,000 on Sundays.
  • Get 20% discount, capped at 1500, on car bookings at Zoomcar.
  • Exclusive partner offers using promo codes-
    • Up to 1,000 discount on a minimum transaction of 2,000 at Tanishq, Titan, and Ethos.
    • Additional 10% discount on regular discount of 50% at Clarks.
    • 22% off for existing users 30% discount for new users at PharmEasy.
    • 150 off at Zivame, in addition to existing offers.
    • 20% discount for a minimum purchase of 999 at Ferns N Petals

*Partner offers are subject to change after expiry of offer.

Fees and Charges

The fees and charges on HSBC Visa Platinum Credit Card are as listed below:

Type of charge Amount

Joining Fees

NIL

Annual Fee

NIL

Fee for Add On Card

NIL

Interest-free period

Up to 52 days

Finance charges

3.49%  per month (39.6% per annum)

Minimum payment due on the extended credit usage

5% of the total payment due (min of 100) + past due/ over limit amount + outstanding EMI (if any)

Cheque bounce, failed standing instructions, and dishonoured ECS charges

500

Transaction fee for a cash advance against the Credit Card at branches and ATM

2.5% of the transaction subject to a minimum of 500

Over limit fee

 500 per month

Duplicate statement charges
(older than 3 months)

 NIL

Late payment fee

Minimum Amount Due (250 - 1200)

Credit Card replacement fee

NIL

Currency conversion charge for foreign currency transactions

3.5%

Handling charges for rewards redemption

NIL

Cash bill payment at HSBC branches & drop boxes

NIL

 

Eligibility for HSBC Visa Platinum Credit Card

When you meet eligibility criteria your application is approved swiftly. To enjoy all these premium benefits on a lifetime free credit card, you must note down easy to fulfil HSBC Visa Platinum Credit Card eligibility criteria:

  • The applicant should be 18 to 65 years of age.
  • Minimum annual income should be 4,00,000.
  • The cardholder should be an Indian resident.
  • The applicant's residence location should be Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune.

How to Apply for HSBC Visa Platinum Credit Card?

It is completely hassle free and contactless to apply for the HSBC Visa Platinum Credit Card online. You can apply through website using simple steps, as under:

  • Fill Credit Card form on MyMoneyMantra.Com.
  • Share name, mobile number and requirement.
  • Use OTP sent to your mobile number to get access to the best Credit Card offers.
  • Apply directly on HSBC VISA Platinum Credit Card or compare with other cards.
  • Click on apply tab.
  • Once the request is submitted, a Credit Card specialist will contact you and answer your queries, if any.
  • Entire process is hassle free, fast and contactless.

Documents Required

Applying for Credit Card is completely paperless process today. To apply for HSBC Visa Platinum Card, all you need is to submit the form and upload copy of following documents:

HSBC Visa Platinum Credit Card Document Checklist - Latest pay slip or salary certificate

  • Latest Credit Card statement, if applicable
  • Previous 3 Salary Account statements
  • Proof of residence: Aadhaar card, Voter's ID or Utility bills
  • Proof of identity: Aadhaar card, Voter's ID, Passport etc
  • PAN card or Form 60

HSBC VISA Platinum Credit Card vs. other Cards

HSBC Visa Platinum Card is one of the Best Credit Cards in India with no annual fee. You can enjoy unlimited shopping, dining, travel & lifestyle benefits.

Let's compare HSBC Visa Platinum with other similar cards available in the cards marketplace:

Credit Card Joining Fee & Annual Fee (+GST) Benefits Category

HSBC Visa Platinum Card

NIL

Shopping, dining, fuel, Airport Lounge Access,

HDFC Moneyback Credit Card

500

Shopping, fuel, cash back

ICICI Bank Coral Contactless Credit Card

500

Shopping, dining, Airport Lounge

SBI Simply Save Credit Card

499

Shopping , Fuel

RBL Platinum Maxima Card

2000

Entertainment, Dining, Airport Lounger, Travel bookings

 

FAQs

✅ How do I apply for an HSBC Credit Card?

To apply for HSBC Credit Card, first fill the Credit Card application and share your requirement and personal details. Share the required documents and the card will be sent to you within a week. The process is contactless and swift.

✅ How to check HSBC Card status after application?

You will get an SMS regarding the Card Status on the mobile number provided in the Credit Card application. In case, you haven't received a status in the stipulated time, you can call the phone banking number 1800 266 3456/ 1800 120 4722 and check the application status.

✅ How long it takes to get the HSBC Visa Platinum Credit Card?

The card will be processed within 1-2 weeks. The card will be issued as the bank receives the application along the required documents. You will be regularly updated about the application status via SMS.

✅ What to do, if I have not received my HSBC Credit Card statement?

Every cardholder is mailed Credit Card statement by post and the airway bill reference is sent on the SMS to the registered number. To get the e-statements, you need to register for the service. You can also check the status by accessing internet banking.

✅ How to register for HSBC Credit Card e-statement?

It is completely hassle free and contact less to request for e-statement. Here are the steps: a) Access HSBC Internet Banking by logging in with your ID & Password. B) On the main menu, click 'Request e-statements/e-Advice.' C) The e-statement will be sent to you via mail along the SMS alert for the same. D) Now you can access/ download e-statements as per needs.

✅ How to activate HSBC Visa Platinum Credit Card?

After you receive the HSBC Visa Platinum Card, you need to activate the card. You can activate the card by visiting an HSBC ATM and using your card pin. Alternatively call India HSBC phone banking to activate the card.

✅ Can I use my HSBC Credit Card for emergency cash?

Yes, you can use your HSBC Credit Card for withdrawing cash during emergency, domestically or internationally. However an additional levy of 2.5 % of the amount will be charged on Credit Card withdrawals. Thus it is advisable to not use your credit card for cash withdrawals. Instead swipe online for paying bills or digital transactions and enjoy value back offers at the same time.

✅ What proofs of identity are required to apply for HSBC Credit Card?

A copy of any legal identity proof can be submitted to avail of HSBC Credit Card. The legal identity proof documents are Aadhaar, Voter's ID, Passport, PAN etc.

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