HSBC Bank
HSBC Platinum Rewards Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹2200 Rewards
Top Benefits
Earn up to 6X Reward Points on Hotels, Flights
and Car Rentals via Travel with Points on HSBC Rewards Programme
Earn 2 Reward Points for every ₹150
spent on all card transactions, convertible to air miles and hotel loyalty points via HSBC India App
Best For
Shopping
Travel
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn 2 Reward Points for every ₹150 spent on eligible transactions
- Redeem your reward points for air miles with leading airlines such as Air India, Etihad Airways, British Airways, Singapore Airlines and more
- Earn 5X Reward Points on purchases after spending ₹4,00,000 in an anniversary year, capped at 15,000 accelerated Reward Points
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.50
Redemption Options
- Flight bookings
- Hotel bookings
- Gift vouchers
- Statement credit
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Insurance
Cash Withdrawls
School & Educational Services
GST Charges
Tolls
For Spends Waiver
Rent Payment
Insurance
Cash Withdrawls
School & Educational Services
GST Charges
Tolls
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.5% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42% | 3.50% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees Rs 250 + taxes will be charged for all payments done via Cash | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1000 | ₹400 |
| ₹1001 - ₹10000 | ₹ 750 |
| ₹10000 - ₹25000 | ₹ 950 |
| ₹25001- ₹ 50000 | ₹ 1100 |
| ₹50000 and above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹2200 Rewards
Top Benefits
Earn up to 6X Reward Points on Hotels, Flights
and Car Rentals via Travel with Points on HSBC Rewards Programme
Earn 2 Reward Points for every ₹150
spent on all card transactions, convertible to air miles and hotel loyalty points via HSBC India App
The smartest way to find your great credit card
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