HSBC RuPay Platinum Credit Card
HSBC Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5 + GST
No lounge access
Contents
The HSBC RuPay Platinum Credit Card is a truly lifetime-free rewards card from HSBC India with easy UPI integration and everyday benefits. It earns reward points on all spends and allows instant conversion to air miles or hotel loyalty points. It also includes limited welcome gifts (cashback and Amazon e-voucher) and a fuel surcharge waiver to reduce running costs.
Features of HSBC RuPay Platinum Credit Card which makes it unique
Lifetime Free Card
The HSBC RuPay Platinum Credit Card has no joining fee and no annual or renewal fee for the entire lifetime of the card, allowing users to earn rewards without worrying about yearly charges.
Zero annual cost while retaining reward earning.
More cost-effective than entry-level credit cards that charge annual fees or require spend-based fee waivers.
Card-linked UPI
The HSBC RuPay Platinum Credit Card can be linked to UPI apps, allowing users to make UPI payments directly from their credit card instead of a bank account, while continuing to earn reward points on eligible spends.
Pay via UPI while earning credit card rewards
More flexible than Visa/Mastercard credit cards that do not support UPI payments, making it ideal for everyday UPI-heavy usage.
Rewards Structure of HSBC RuPay Platinum Credit Card
Base Reward
baseAll eligible card spends excluding excluded categories (fuel, cash advance, wallet loading, EMI conversion, etc.)
Earn 2 reward points for every ₹150 spent on card. Points can be converted to air miles or hotel loyalty points via HSBC app.
Base Reward Rate: Cardholders earn 2 reward points for every ₹150 spent on eligible retail transactions using the HSBC RuPay Platinum Credit Card. Reward points are credited after statement generation and can be redeemed against vouchers, merchandise, or other options available on the HSBC Rewards Catalogue, subject to applicable terms and exclusions.
Travel With Points
acceleratedHotel, flight and car rentals via Travel with Points
HSBC advertises up to 6X reward points for eligible Travel with Points bookings; check Travel with Points terms for exact conversion.
Accelerated Rewards on Travel Bookings: HSBC offers up to 6X reward points on eligible travel bookings (flights, hotels, and car rentals) made through the Travel with Points platform. The accelerated reward rate is variable and depends on the booking type, partner, and prevailing offer terms. Reward points are credited as per HSBC Rewards Programme rules and are subject to exclusions and caps defined in the Travel with Points T&Cs.
Fees & Charges of HSBC RuPay Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5%+ GST |
| Cash Advance Fee | 2.5% of the withdrawn amount Minimum charge: ₹500 per transaction2.5% of the withdrawn amount Minimum charge: ₹500 per transaction |
| Late Payment Fee | upto ₹1,200 |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | ₹500 |
Renewal Conditions:Lifetime-free no joining or annual fee applied.
Fee Explanation HSBC lists this card as having no joining or annual fees. Standard service charges apply for late payments, cash advances and returned payments. HSBC may run temporary 0% forex-markup offers on some RuPay cards; check offers page for limited-time 0% FX promotions. (See HSBC fee and offers pages).
Detailed Explanation of HSBC RuPay Platinum Credit Card Fees
Joining Fee: 0 (one-time)
Nil joining fee; lifetime free credit card
Lifetime Free Card: HSBC RuPay Platinum Credit Card does not carry any joining or upfront issuance charges. The card is offered as a lifetime free card, meaning no joining or renewal fee is applicable at any stage, as per HSBC’s Key Fact Statement and MITC.
Annual Fee: 0 (yearly)
Nil annual fee; lifetime free.
No annual Charges: HSBC RuPay Platinum Credit Card is a lifetime free card. No annual or renewal fee is charged in any year, as confirmed in the Key Fact Statement and MITC.
Foreign Transaction Mark-up: 3.5% (plus applicable GST) (transaction)
Standard HSBC cross-currency conversion mark-up. HSBC may offer temporary 0% FX promotions on select cards.
International Usage Charges: A foreign currency markup fee of 3.5% is levied on all international transactions made using the HSBC RuPay Platinum Credit Card, as per HSBC’s MITC and Key Fact Statement.
Cash Withdrawal Fee: 2.5% of withdrawn amount Minimum ₹500 per transaction (transaction)
Min charge may apply; cash advances attract interest from transaction date.
High Cost of Cash Withdrawals: Cash withdrawal using the HSBC RuPay Platinum Credit Card attracts a fee of 2.5% (minimum ₹500) per transaction. Interest is charged from the transaction date until repayment.
Late Payment Fee: Up to ₹1,200 (based on outstanding amount) (Per billing cycle)
Charged if minimum amount due is not paid by due date
Penalty for Missed Due Date: Late payment fees are charged based on the total outstanding amount if the minimum amount due is unpaid by the due date. Fees range from ₹400 to ₹1,200, while outstanding up to ₹1,000 attracts no fee.
Additional Features of HSBC RuPay Platinum Credit Card
UPI Integration
Link the HSBC RuPay Platinum Credit Card to UPI apps and make payments using UPI via credit card
Supported via HSBC SimplyPay and select third-party UPI apps, subject to RuPay and NPCI guidelines
UPI on Credit Card: HSBC RuPay Platinum Credit Card supports UPI payments on RuPay credit cards, allowing users to link their card to supported UPI apps and make merchant payments. Availability may vary by app and merchant acceptance, and transactions are subject to RuPay, NPCI, and HSBC terms and conditions.
Instant Reward Conversion
Convert eligible retail transactions into reward-based redemptions through the HSBC Rewards platform
Subject to HSBC Rewards Programme rules, minimum reward points balance, and eligible transaction criteria
Flexible Reward Redemption: HSBC allows cardholders to redeem accumulated reward points instantly against eligible options available on the HSBC Rewards Catalogue, such as vouchers, merchandise, or travel bookings. Instant conversion availability depends on reward point balance, redemption partner rules, and applicable HSBC terms. Not all transactions or categories may qualify for instant redemption.
Welcome Bonus with HSBC RuPay Platinum Credit Card
Welcome Bonus: ₹500 cashback + ₹250 Amazon Gift voucher
Bonus Conditions: ₹500 cashback when you download and log into HSBC India Mobile Banking and spend ₹5,000 within 30 days; ₹250 Amazon eGift when you apply online and complete video KYC; 2-month EazyDiner on activation. T&Cs apply. (Source: HSBC welcome offers).
Application Process for HSBC RuPay Platinum Credit Card
Processing Time
7–10 working days after successful submission and verification
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online through HSBC India credit cards section
Online Application: Applicants can initiate the credit card application by selecting the HSBC RuPay Platinum Credit Card on HSBC India’s official credit card page.
Complete online form and upload KYC documents
KYC & Documentation: Basic documents such as PAN, address proof, and income proof are required. Document requirements may vary based on occupation type.
Complete Video KYC / verification (if applicable)
Verification Process: HSBC may conduct video KYC or in-person verification as part of regulatory and internal compliance checks.
Await approval and receive card within ~7 business days once approved
Approval & Dispatch: Once approved, the card is dispatched to the registered address. Delivery timelines may vary depending on location and courier service.
Required Documents for HSBC RuPay Platinum Credit Card
ID Proof
All applicants (Salaried & Self-Employed)Accepted documents:
Identity Verification: A valid government-issued photo identity proof is mandatory to verify the applicant’s identity. The document must be current, clearly legible, and self-attested. PAN is compulsory for credit card issuance, while Aadhaar or Passport may be used as additional identity proof, as per HSBC’s KYC requirements.
Address Proof
All applicants (Salaried & Self-Employed)Accepted documents:
Residential Address Verification: Address proof is required to verify the applicant’s current residential address. Documents must be recent (usually within the last 3 months) and clearly display the applicant’s name and address, as per HSBC KYC norms.
Income Proof
Salaried applicants onlyAccepted documents:
Income Verification for Salaried Applicants: HSBC evaluates income based on salary slips and salary credits in bank statements. Typically, last 1–3 months’ salary slips and 3–6 months’ bank statements may be required. Additional documents may be requested based on employer profile.
Income Proof
Self-Employed / Business applicantsAccepted documents:
Income & Business Verification: Self-employed applicants are assessed based on ITRs for the last 1–2 financial years, business continuity, and banking transactions. HSBC may request additional business-related documents depending on the nature and stability of the business.
HSBC RuPay Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India (RuPay acceptance network)
International Acceptance
Limited international acceptance via partner networks (JCB/partner networks); check merchant acceptance before travel
Online Acceptance
Yes — accepted at merchants that accept RuPay online
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HSBC RuPay Platinum Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹600,000
Minimum annual income
Self-Employed Applicants
₹600,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident with valid PAN and KYC documents. Eligibility subject to credit assessment by HSBC.
How Approval Is Decided
- Minimum age 18 years and Indian resident
- Minimum income (salaried approx. ₹6,00,000 p.a. equivalent shown as (₹50,000 per month)
- Good credit profile with credit score typically 750+ and affordability checks
Pros of HSBC RuPay Platinum Credit Card
- No joining or annual fee (lifetime free)Zero Card Fees: HSBC RuPay Platinum Credit Card is offered as a lifetime free card, with no joining fee and no annual renewal fee, making it suitable for users who want a no-cost credit card for long-term use.
- Simple reward earning on all spends (2 pts/₹150)Straightforward Rewards Structure: Cardholders earn 2 reward points for every ₹150 spent on eligible retail transactions. The reward structure is simple, with no complex slabs or category tracking required.
- Complimentary 2-month EazyDiner membership on activationDining Membership Benefit: On card activation, users receive a 2-month complimentary EazyDiner membership. Dining discounts and benefits are governed by EazyDiner’s terms and partner restaurant availability.
Cons of HSBC RuPay Platinum Credit Card
- Foreign transaction mark-up typically 3.5% (unless temporary 0% FX offer active)High Forex Charges: International transactions attract a 3.5% foreign currency markup fee (plus GST), which is higher compared to travel-focused or premium credit cards.
- Low base earn rate compared with premium cards (2 pts/₹150)Limited Reward Value: The base earning rate of 2 points per ₹150 is modest and may not be attractive for high spenders when compared to premium or cashback-focused cards.
- Limited dedicated lounge access or premium travel benefitsBasic Travel Benefits Only: While domestic lounge access is available via the RuPay network, the card does not offer premium airport lounge programmes, international lounge access, or complimentary travel insurance.
Frequently Asked Questions about HSBC RuPay Platinum Credit Card
Is there a joining or annual fee?
No. HSBC lists the RuPay Platinum Credit Card as lifetime free, with no joining fee and no annual or renewal fee.
There are no spend-based conditions to waive fees. The card remains free for its lifetime.What is the reward earning rate on this card?
Cardholders earn 2 reward points for every ₹150 spent on eligible retail transactions.
Rewards are not earned on excluded categories such as fuel, cash withdrawals, wallet loads, fees, and taxes.Does the card support UPI payments?
Yes. The HSBC RuPay Platinum Credit Card supports UPI payments via RuPay, allowing users to link the card to supported UPI apps.
UPI availability depends on app support, merchant acceptance, and RuPay/NPCI guidelines.Is there any lounge access benefit?
Yes. The card offers complimentary domestic airport lounge access in India via the RuPay network.
The number of free visits and participating lounges are governed by RuPay and may change from time to time.Are there any insurance benefits included?
No. HSBC does not offer complimentary insurance coverage with the RuPay Platinum Credit Card.
The card does not include travel insurance, air accident cover, or purchase protection.Add Your Review
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