HSBC Platinum Credit Card
★ 4.1 / 5 ⓘ How we rateLifetime free card whose points transfer to 20 airlines & hotels
✅ Verified Oct 2026 from HSBC's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
People who want a free card that earns travel miles
Key benefits
- 2 reward points per ₹150 on all eligible spends
- Up to 6X points on travel booked through HSBC's Travel with Points portal
- 5X points once you cross ₹4 lakh yearly spend
- Transfer points to about 20 airline and hotel partners
What's great
- Truly lifetime free
- Points transfer to airlines
- Accelerated rewards for big spenders
Good to know
- Low base reward rate
- Transfers at 2 points = 1 mile
- No lounge access
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 3.5% |
| Cash withdrawal fee | 2.5% (min ₹500) |
| Late payment fee | ₹0 – ₹1,200 by bill amount |
- Available only in cities where HSBC operates
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ HSBC Platinum — common questions
Is the HSBC Platinum Credit Card lifetime free?
Yes. The HSBC Platinum Credit Card has no joining fee and no annual fee.
What rewards does the HSBC Platinum Credit Card give?
2 – 10 points / ₹150. 2 reward points per ₹150 on all eligible spends.
Who is eligible for the HSBC Platinum Credit Card?
Minimum income: ₹4 lakh/year. Age: 18 – 65 years. Credit score: 720+. Final approval is decided by the bank.
Does the HSBC Platinum Credit Card give airport lounge access?
No, this card does not include airport lounge access.
What is the forex markup on the HSBC Platinum Credit Card?
3.5% on foreign currency spends (plus GST).
Who should get the HSBC Platinum Credit Card?
People who want a free card that earns travel miles.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.