HSBC India RuPay Platinum Card

Charge

• Finance charge on extended credit and cash advances (incl. money transfer, foreign currency purchase, money orders, traveler cheques, debt repayments): 3.75% per month (45% per annum) from date of transaction.
• Cash advance transaction fee: 2.5% of transaction amount (min ₹500) at branches and ATMs.
• Transaction fee for cash withdrawal against bank account at overseas ATMs: ₹100.
• At non-HSBC ATMs in India: NIL.
• Currency conversion charge (foreign currency): 3.5%.
• Cash Payment Charge (at HSBC branches and drop boxes): ₹100.
• Rental and related payments: 1% processing fee plus applicable taxes.
• Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever is higher) + applicable GST.
• Charge for bounced cheque/dishonoured SI/unsuccessful NACH: ₹500.
• Late payment fee: 100% of Minimum Payment Due, min ₹250, max ₹1,200 per month.
• Balance transfer: rate of interest 10.99% p.a. to 15.99% p.a. across tenors, processing fee 1.5% subject to minimum ₹200.
• All fees charged along with applicable taxes.

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Interest-free period

• Up to 48 days free credit, provided the outstanding as shown on the monthly statement is settled fully by the payment due date.
• Not applicable for cash advance transactions.

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Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹4,000 per transaction.
• Waiver capped at ₹250 per calendar month per primary card.
• Not eligible for first 90 days of card issuance.
• Reward points not awarded on surcharge-waiver transactions.

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Reward exclusion

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Transfer partner

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Dining benefit

• Complimentary 2 months EazyDiner Prime membership on activation of the card during offer period (15 July 2025 to 31 July 2026).
• Prime benefits include guaranteed 25% to 50% discount at premium bars and restaurants (save up to ₹3,000 per meal), priority reservations, 2x EazyPoints and VIP concierge line.

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Insurance

• Lost Card Liability: NIL liability after reporting/registering loss to HSBC.
• Cover for misuse up to 24 hours before reporting and 7 days after reporting the loss of card, for up to ₹300,000.
• Insurance provided by ICICI Lombard General Insurance Company Limited.
• Available to valid primary cardholders only.
• PIN-based and counterfeit card transactions not covered.

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Eligibility

• Card can be used for domestic transactions.
• International transactions in 160 countries with JCB (Japan Credit Bureau) acceptance.
• Can apply for up to three additional credit cards for spouse, parents, siblings or children above 18 years.

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