HSBC Bank
Visa Platinum Credit Card
SimplifyCards take:A good fit if you want a card built for lifetime free, air miles, and fuel
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Best for Travel Spends (Travel With Points)Best for
12 Reward Points / ₹150 spent via Travel with Points
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for lifetime free, air miles, and fuelBottom line
It combines accelerated rewards on travel spends (travel with points) and 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 |
|---|---|
| Travel Spends (Travel With Points) | 12 Reward Points / ₹150 spent via Travel with Points |
| 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
- 2,000 reward points after logging into the HSBC India app and spending ₹5,000 within the first 30 days
- Complimentary 3-month Swiggy One membership on card activation
- Voucher worth up to ₹500 (Amazon Pay, Zomato, and Swiggy) on card activation with a single transaction of ₹300 or more
Additional benefits
- Fuel surcharge waiver up to ₹250 per month on transactions from ₹400 to ₹4,000
- ₹250 cashback on contactless fuel spends up to ₹10,000 per quarter
- Complimentary domestic flight seat selection twice a year on bookings via MakeMyTrip
- Times Prime annual membership on card activation (Visa Signature offer)
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
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