HSBC Visa Platinum Card: Benefits, Charges & How to Apply

If you are looking for a credit card with zero joining and annual fees, the HSBC Visa Platinum Credit Card is worth considering. It is a lifetime free card, ideal for individuals earning ₹4 lakh or more annually. You can apply easily and unlock a range of benefits, including 2 reward points for every ₹150 spent. Before you apply, take a quick look at the fees, charges and rewards to make the most of what this card has to offer.

Features and Benefits of the HSBC Visa Platinum Credit Card

Here are the key HSBC Visa Platinum Credit Card benefits that you need to know before using it for everyday spending: 

• No joining fee or annual fee is applicable. 
• The card offers air miles conversion with selective airlines like British Airways, Air India, Etihad Airways and Singapore Airways.
• This card offers a fuel surcharge waiver with up to ₹3,000 savings on fuel transactions.
• You can get 2 reward points for every ₹150 spent using the card.
• If you spend ₹4 lakh, you can get 5X reward points up to 15,000 accelerated reward points in a year.
• In case you lose the card and report the same within 24 hours, you can get insurance coverage up to ₹3 lakh.
• You can additionally avail benefits such as emergency card replacement, balance transfer, discount on selected partners, cash advance and others.

Fees and Charges of HSBC Platinum Credit Card

Before you apply, it is important to know the fees and charges associated with the HSBC Visa Platinum Credit Card. 

Here’s a quick breakdown to help you understand the cost of using this card:

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Rewards from HSBC Visa Platinum Credit Card

Here are the rewards that you can get if you apply for and use HSBC Visa Platinum Credit Card:

• You get a welcome gift of ₹100 worth of Amazon vouchers on completing video KYC for the card.
• On a spend of ₹150, you get 2 reward points.
• On spends of more than ₹4 lakh in a year, you can get 5x reward points for every ₹150 spent using HSBC Visa Platinum Credit Card.
• You can easily convert your reward points to air miles or hotel loyalty points in just a few taps on the HSBC India App.
• You can also redeem your reward points in various categories of lifestyle such as fashion accessories, apparel, jewellery, cosmetics, home appliances, electronic equipment and others. 

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Eligibility Criteria of HSBC Visa Platinum Credit Card

Here are the eligibility criteria for the Visa Platinum Credit Card offered by HSBC:

• The age limit to apply for the card is 18 years to 65 years.
• You need to be a resident Indian.
• If you are a salaried individual, your gross annual income should be at least ₹4 lakh.
• As the card is offered in selective Indian cities, you need to be a resident of the cities where HSBC offer this card. Mumbai, National Capital Region (NCR), Bangalore, Pune, Kochi, Chennai, Noida, Hyderabad, Ahmedabad, Jaipur, Gurgaon, Coimbatore, Chandigarh and Kolkata are the cities where this card is offered as of now. 

Documents Required for HSBC Visa Platinum Credit Card

You need the following documents to apply for the card:

• As an applicant, you need to provide your latest salary slip or salary certificate from your current employer.
• Latest credit card statement of your existing credit card and a copy of the existing card (front).
• To mention salary credit details, you need to provide the last 3 months' bank statements.
• You need to provide residential address proof, identity proof and a PAN Card copy or Form 60.

How to Apply for the HSBC Visa Platinum Card?

You need to follow the process mentioned below to apply for the card:

Step 1: Navigate to the HSBC Visa Platinum Credit Card official page and click on ‘Apply Now’.

Step 2: Fill in the information on the page to check eligibility.

Step 3: On the ‘Online Application’ page, fill in the necessary details.

Step 4: Click on ‘Submit’ to complete the application.

Step 5: Upload the relevant supporting documents as required.

The HSBC Visa Platinum Credit Card comes with zero joining and annual fees, letting you enjoy its perks without any extra cost. Just ensure you submit the required documents during the application process to get started with this lifetime-free card.

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