HSBC Bank
RuPay Platinum Credit Card
SimplifyCards take:A good fit if you want a card built for RuPay, UPI, and lifetime free
✓
Best as a no-fee everyday cardBest for
Lifetime-free, so there's no annual fee to recover before it adds value
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for RuPay, UPI, and lifetime freeBottom line
It offers no annual fee
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| UPI Spends | 2 Reward Points / ₹150 spent |
| Other Eligible Spends | 2 Reward Points / ₹150 spent |
Redemption
Airmile transferupto 1.5 airmile per point
| Airline | Programme | Ratio | TAT |
|---|---|---|---|
| Air India | Air India Maharaja Club | 2:1 | 5 days |
| AirAsia | airasia rewards | 2:3 | 1 day |
| Air France-KLM | Flying Blue | 2:1 | 1 day |
| British Airways | The British Airways Club | 2:1 | 1 day |
| Etihad Airways | Etihad Guest | 2:1 | 1 day |
| EVA Air | Infinity MileageLands | 2:1 | 1 day |
| Hainan Airlines | Fortune Wings Club | 4:1 | 5 days |
| Japan Airlines | JAL Mileage Bank | 2:1 | 10 days |
| Singapore Airlines | KrisFlyer | 2:1 | 1 day |
| Qantas Airways | Qantas Frequent Flyer | 2:1 | 1 day |
| Qatar Airways | Privilege Club | 2:1 | 1 day |
| Thai Airways | Royal Orchid Plus | 2:1 | 1 day |
| Turkish Airlines | Miles&Smiles | 4:1 | 1 day |
| United Airlines | MileagePlus | 4:1 | 1 day |
| Vietnam Airlines | Lotusmiles | 2:1 | 1 day |
| Hotel group | Programme | Ratio | TAT |
|---|---|---|---|
| Accor | ALL - Accor Live Limitless | 2:1 | 1 day |
| IHG Hotels & Resorts | IHG One Rewards | 2:1 | 1 day |
| Marriott International | Marriott Bonvoy | 2:1 | 1 day |
| Shangri-La | Shangri-La Circle | 10:1 | 1 day |
| Wyndham Hotels & Resorts | Wyndham Rewards | 2:1 | 1 day |
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- ₹500 cashback after logging into the HSBC India app and spending ₹5,000 within the first 30 days
- ₹250 Amazon eGift Voucher for online application and video KYC completion
- 2-month EazyDiner membership on RuPay card activation
Additional benefits
- Link card to UPI apps for scan-and-pay transactions
- Fuel surcharge waiver up to ₹250 per month on transactions from ₹400 to ₹4,000
- JCB network global offers
Additional details
- Reward points never expire
- Redemptions can be processed only via the HSBC India Mobile Banking app
Eligibility
Check this before you apply
Salaried
- Age 18 to 65 years
- Resident of India
- Minimum annual income of ₹6,00,000
- Reside in an eligible service city listed by HSBC
Self-employed
- Age 25 to 65 years
- Resident of India
- Minimum annual income of ₹12,00,000
- Reside in an eligible service city listed by HSBC
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Rent payments
- Wallet loading transactions
- Educational spends
- Government-related transactions
- Insurance premium payments
- Utility bill payments
- EMI transactions
- Cash advances
- Card fees, charges, and interest
Featured in our guides
Category shortlists where this card appears in the top picks
Best Lifetime Free Credit Cards in India
For beginners and fee-conscious users who want useful rewards without needing to recover an annual fee
Best RuPay Credit Cards in India
For users who want a RuPay credit card for UPI payments, everyday rewards, cashback, or low-fee spending
Compare before you decide
Alternatives based on what you might want instead