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HSBC Visa Platinum Credit Card
68/100
HSBC India
Lifetime free card with simple HSBC rewards
Credwiser Score 68/100

HSBC Visa Platinum Credit Card

HSBC India • Lifetime free card with simple HSBC rewards

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Visa Platinum is HSBC entry level lifetime free card with a simple points programme and useful Visa Signature extras like a Times Prime subscription. It works best as a low maintenance card for everyday spends and HSBC offers. Point value is modest, so it suits light users more than reward maximisers.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)
Fee WaiverLifetime Free forever
Joining Perk2,000 Reward Points on app login and ₹5,000 spend in 30 days, plus voucher up to ₹500 on activation
Primary Reward2 Reward Points per ₹150 spent, up to 6X on Travel with Points bookings
Airport Lounge AccessNo complimentary lounge access
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForFirst time users who want a lifetime free HSBC card

What We Like

  • No joining fee and no annual fee for life
  • 2,000 welcome points plus Times Prime and seat selection benefits
  • Points convert to air miles and hotel points in the HSBC app

Watch Out

  • Low base reward value on regular spends
  • No complimentary airport lounge access
  • No points on fuel, utilities, insurance and several other categories

MITC & Hidden Charges

Lifetime free card. 18% GST applies to other charges as applicable.

HSBC Visa Platinum Credit Card FAQs

Is HSBC Visa Platinum lifetime free?

Yes. HSBC lists joining fee INR0 and annual fee INR0, with no spend needed to keep it free.

Does HSBC Visa Platinum offer lounge access?

No. The official benefit list covers points, fuel waiver and Visa Signature offers, with no complimentary lounge visits.

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