HSBC India Visa Platinum Card

Charge

• Finance charges on extended credit: 3.75% per month (45% per annum) from date of transaction.
• Finance charges on cash advance and money transfer/forex purchase/money orders/traveller cheques/debt repayments: 3.75% per month (45% per annum).
• Cash advance transaction fee: 2.5% of transaction amount (min ₹500) at branches/ATMs.
• ₹100 at ATMs overseas against bank account.
• Nil at non-HSBC ATMs in India.
• Charge for cheque bounce/dishonoured SI/unsuccessful NACH payment: ₹500.
• Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever is higher) + applicable GST.
• Late payment fee: 100% of Minimum Payment Due, subject to minimum ₹250 and maximum ₹1,200 per month (charged if minimum amount not credited within 3 days of Payment Due Date).
• Currency conversion charge (foreign currency): 3.5%.
• Balance enquiry at other bank ATMs: Nil.
• Cash payment charge (bill payment in cash at HSBC branches and dropboxes): ₹100.
• Rental and related payments (w.e.f. 25 January 2023): 1% processing fee plus applicable taxes.
• Balance transfer: rate of interest 10.99% p.a. to 15.99% p.a. across tenures, 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 period on purchases (effective 01 July 2021), applicable provided the credit card outstanding as shown on the monthly statement is settled in full by the due date.
• Not applicable for cash advance transactions and suspended if any balance of the previous month's bill is outstanding.

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Fuel surcharge waiver

• Fuel surcharge waiver of 1% on fuel purchases between ₹400 and ₹4,000 (inclusive) per transaction at any petrol pump in India, capped at ₹250 per calendar month per primary credit card.
• Transactions of ₹399 and below are charged ₹10 surcharge.
• Transactions of ₹4,001 and above charged 1% surcharge (not waived).
• Not eligible for first 90 days of card issuance.
• Separately, earn ₹250 cashback on fuel contactless transactions on achieving spends of ₹10,000 or more in a calendar quarter (single txn ₹1,000-₹5,000; effective 1 September 2025).

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Milestone benefit

• 5X reward points on any purchase made after spending ₹4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year. 5X points posted within 60 days post the month end of the transaction.
• (Per older Service Guide; the reward exclusion MCC list applies).

Verified · Platinum Credit Card Service Guide (Terms & Conditions / Governing Document) · 2026-08-04 · source

Redemption value

• Reward points redeemable via HSBC India Mobile Banking App against gift cards, Apple products, hotel points, airline miles and merchandise.
• Gift Cards redeemed instantly.
• Merchandise within 20 working days.
• ₹50 handling charge debited for goods and services delivery.
• Reward points valid for 3 years on a Rolling Expiry system.

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Reward cap

5X accelerated reward points capped at a maximum of 15,000 accelerated reward points in an anniversary year (earned on purchases after ₹4,00,000 spend).

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Reward exclusion

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Transfer partner

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Dining benefit

• Complimentary 3-month Swiggy One Membership for Visa Platinum Credit Card customers who activate their credit card within the first 30 days of issuance.
• Voucher/code sent to registered email within 60 days of becoming eligible.
• Offer period 15 September 2025 to 31 July 2026.

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Insurance

• Lost Credit Card Liability: cardholder not liable for any transaction after reporting loss/theft/misuse to HSBC.
• Covered for misuse up to 24 hours before reporting and 7 days after reporting, for up to ₹300,000.
• Insurance provided directly by ICICI Lombard General Insurance Company Limited.
• Available to valid primary cardholders only.
• Pre-delivery frauds, all PIN-based transactions and counterfeit cards not covered.

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Statement credit

• Fuel contactless offer: Earn ₹250 cashback on fuel purchases made via contactless transactions upon achieving spends of ₹10,000 or more in a calendar quarter (single fuel contactless transaction min ₹1,000, max ₹5,000; domestic only).
• Effective 1 September 2025 to 31 December 2026.

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Eligibility

• Offer applicable to new HSBC Visa Platinum Credit Cardholders (excluding Corporate Cardholders) who apply between 15 September 2025 and 31 December 2026.
• Card issuance at Bank's sole discretion subject to internal approval norms.
• Offer available to primary cardholders only.
• Only cardholders with updated KYC eligible.
• Add-on cardholders not eligible for introductory offer.

Verified · harvested from product page · 2026-08-04 · source

Official terms

https://www.hsbc.co.in/credit-cards/products/visa-platinum/.

Verified · Visa Platinum Card product page · 2026-08-04 · source