HSBC Visa Platinum Credit Card
HSBC India · Visa · Entry card
A useful no-fee rewards card for people who can make regular use of the movie offer.
Fee-averse users who buy movie tickets and want an uncomplicated general-purpose Visa card.
Terms checked 23 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% |
| Groceries & essentials | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% |
| Bills & utilities | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Education & family | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Gold & jewellery | 0.3% |
| House rent | 0.3% |
| Insurance premiums | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Approx. ₹50,000/month salaried · ₹1,00,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Movies and entertainment
District · Buy one, get one · up to ₹200 · 2 uses/year
Availability: Friday or Saturday bookings, once monthly, under the current offer ending 31 October 2026; two remaining monthly uses are modelled from the review date..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Travel with Points bonus
Usage-based valueTen incremental points plus the two-point base produce up to 12 points per ₹150 through eligible Travel with Points bookings.
Conditions: Ten incremental points plus the two-point base produce up to 12 points per ₹150 through eligible Travel with Points bookings.
HSBC Unicorn Apple bonus
Usage-based valueEight incremental points plus the two-point base produce 10 points per ₹150 on eligible Apple purchases through HSBC Unicorn.
Conditions: Eight incremental points plus the two-point base produce 10 points per ₹150 on eligible Apple purchases through HSBC Unicorn.
Base HSBC reward points
Usage-based valueTwo HSBC reward points per ₹150 on eligible purchases, valued conservatively at ₹0.25 each.
₹250 quarterly contactless-fuel cashback after ₹10,000 eligible fuel spend
Shown without a cash valueLifetime free with two reward points per ₹150 eligible spend
Shown without a cash valueUp to 6X points through Travel with Points and 5X on the HSBC Unicorn Apple portal
Shown without a cash value
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Welcome benefits · 4 items
2,000 HSBC reward points
Recorded value ₹500Welcome points conservatively valued at ₹0.25 each.
Conditions: Download and log in to the HSBC India app · Spend ₹5,000 within 30 days of card issuance
Activation voucher worth up to ₹500
Recorded value ₹500Choice of an eligible Amazon Pay, Zomato or Swiggy voucher after activation.
Conditions: Activate with a single transaction of at least ₹300 · Voucher availability and fulfilment terms apply
Three months of Swiggy One
Shown without a cash valueActivation membership with no invented cash-equivalent value.
Conditions: Activate the card · Partner activation and validity terms apply
Application-channel welcome offers
Shown without a cash valueOnline/VKYC Amazon voucher and Account Aggregator cashback are disclosed but not treated as guaranteed for every applicant.
Conditions: Use the specified application and verification route · Meet the current offer-period and spend conditions
Spend milestones · 1 item
₹250 online/VKYC Amazon voucher through 31 October 2026 and ₹1,000 Account Aggregator cashback, both application-channel specific
Shown without a cash value
Movies and entertainment · 2 items
District movie offer
Usage-based · up to ₹400Buy one, get one offer up to ₹200, 2 times per year. Friday or Saturday bookings, once monthly, under the current offer ending 31 October 2026; two remaining monthly uses are modelled from the review date.
Current District dining, shopping and activity discounts through 31 October 2026
Shown without a cash value
Travel privileges · 1 item
Two domestic-flight seat selections yearly through MakeMyTrip and 15% MakeMyTrip hotel My Cash
Shown without a cash value
Insurance and protection · 2 items
Lost-card misuse cover up to ₹3 lakh from 24 hours before loss reporting
Shown without a cash valueEmergency card replacement in India or abroad
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹50,000. Published annual income is ₹6 lakh salaried or ₹12 lakh self-employed; residence in an HSBC service city and age requirements also apply.
Other benefits · 3 items
Three months of Swiggy One on activation
Shown without a cash valueTwelve-month Times Prime subscription
Shown without a cash value1% fuel-surcharge waiver on ₹400-₹4,000 transactions, capped at ₹250 monthly
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Lifetime free with two reward points per ₹150 eligible spend
- ✓ Up to 6X points through Travel with Points and 5X on the HSBC Unicorn Apple portal
- ✓ 2,000 welcome points plus an activation voucher worth up to ₹500
- ✓ Times Prime, flight-seat, hotel, fuel, District and protection privileges
What to watch
Point value varies by redemption: GainFair uses ₹0.25 conservatively, while selected airline or hotel transfers can be higher. Several current welcome and District offers expire in October 2026 and are not treated as permanent annual value.
Recorded exclusions
Fuel Commute · Instant emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Terms updated
Current District offer ends
The reviewed District dining, movie, shopping and activities offer runs through 31 October 2026.
- Before
- Eligible transactions can use the published District discounts during the offer period.
- After
- No District value is assumed after expiry unless HSBC publishes a replacement or extension.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 1 Aug 2026