HSBC VISA Platinum credit card is among the best suited life time free credit card. The VISA Platinum is offering the best of rewards on shopping, dining and fuel purchases. The cardholder can also earn reward points and get access to a host of other premium services from the bank including concierge services, zero lost card liability and emergency card replacement.
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Major Benefits of HSBC VISA Platinum credit card
- Get 10% cashback (up to ₹2,000) for making a minimum of 9 transactions totaling ₹10,000 or more in the first 90 days of card issuance.
- BookMyShow voucher worth ₹500 on spending over ₹50,000 in a calendar month (maximum ₹3,000 per cardholder per year).
- Up to 15% off dining at over 1,000 restaurants across major cities.
Reward Rate
- Every ₹150 = 2 Reward Points
- Accelerated reward points on transaction with partners web/app like Zomato, Swiggy etc
- Earn 5X reward points on subsequent purchases made after spending Rs. 4 lakh or more in a year up to Rs.15,000 Accelerated Reward Points in a year.
Eligibility and Documentation
| Criteria | Details |
|---|---|
| Occupation | Salaried |
| Minimum Income | Rs. 44,000 per month or Rs 5 Lakhs in a Year |
| Serviceable Cities | Eligible cities i.e. Metro, Bangalore, Pune etc. |
Introductory Benefits
The customers can avail the following benefits on joining.
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- 10% cashback up to Rs. 2,000 on making minimum 5 transactions that add up to Rs. 10,000 or more within the first 60 days of card issuance
- Get Amazon Voucher worth Rs. 500 on making a single spend of Rs. 500 or more within 30 days of card issuance
- Spend Rs. 50,000 in a month and get BookMyShow Vouchers worth Rs. 500. Vouchers worth Rs. 3,000 can be availed per cardholder per year.
- Introductory offers are valid on this credit card from 1st July 2020 to 31st December 2020
- Save on Fuel – Get fuel surcharge waiver at any fuel pump across India for transactions between Rs. 400 and Rs. 4,000 with the maximum amount capped at Rs. 250 per calendar month.
Fee and Charges
| Title | Details |
|---|---|
| Annual Fee | Nil |
| Finance Charges | 3.3% p.m. (39.6% p.a.) computed from the date of transaction |
| Add-on Fee (per annum) | Nil |
| Interest-Free Credit Period | Up to 45 days |
| Minimum Payment Due (MPD) on extended credit usage | 5% of the total payment due to the statement plus greater of past due or over limit due (if any), subject to a minimum of Rs. 100. Interest will be charged on the extended credit as per terms and conditions |
| Duplicate Statement Request | Rs. 100 per statement (beyond last 3 months) |
| Transaction fee for cash advances | 2.5% of transaction amount (subject to a minimum of Rs. 300) |
| Late Payment Charges | Minimum Payment Due Amount Up to Rs. 500 – Fine of Rs. 400 Between Rs. 500 & Rs. 1,000 – Fine of Rs. 500 Above Rs. 1,000 – Fine of Rs. 750 |
| Over Limit Fee | Rs. 500 per month |
| Foreign Currency Transaction Fee | 3.50% of the amount |
HSBC Credit Card Customer Care Number
For Calling from Within India – 1800 – 267-3456 or 1800-121-2208
For Calling from Overseas – +91 40 61268002 or +91 80 71898002
How to Apply for HSBC Visa Platinum Credit Card ?
HSBC Credit Cards are offered easily if you are having a good credit score of more than 750+ and annual income of Rs Five Lakhs and more. They will not entertain for any income lesser than this. If you full fill the above criteria, visit the HSBC website here and apply online.
FAQs on HSBC Visa Platinum Credit Card
What is zero liability for lost card?
Zero liability lost card means that the cardholder will not held responsible for unauthorized transactions made with cardholder’s account.
Will I be charged if I use my card overseas?
You will be charged a transaction fee for cash withdrawal of Rs. 100 at overseas ATMs.
Can I opt for emergency cash?
Yes, you can opt to receive emergency cash at over 22,000 outlets globally.
How can I check my credit card application status?
We’ll send timely SMS alerts on your application status to the mobile number you entered on your application form. You can also check the status of your application by calling our Phone Banking number in your city.
What are the identity proofs required to apply for HSBC VISA Platinum credit card?
The identity proofs required to apply for HSBC VISA Platinum credit card are :
- Aadhaar Card
- Income Proof as Salary Slip. ITR etc
- Any one of the following photo cards:
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- Passport
- PAN Card
- Voter ID Card
- Government ID
- Passport
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