HSBC Bank
HSBC Rupay Platinum Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Get up to 6X Reward Points on Flights, Hotels and Car Rentals
via Travel with Points, plus up to ₹6,000 off on flights & hotels with Cleartrip
Save 10% up to ₹200 on Swiggy Instamart
orders of ₹500 and above using code HSBCRUPAY
Best For
Dining
Grocery Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
18-65 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 5X on Apple via HSBC Unicorn portal
- earn Reward Points on credit card-linked UPI payments
- convert points to air miles, hotel loyalty points or gift cards
- welcome benefits worth ₹500 + ₹250 + ₹250 cashback, a ₹250 Amazon eGift Voucher and a 2-month EazyDiner membership
- District by Zomato 10% off dining/activities/shopping + buy-one-get-one movie tickets
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.50
Redemption Options
- Flight & Hotel Bookings
- Gift Cards (Food, Entertainment, fashion)
To check redemption catalogue
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  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
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 A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹500 |
Cash Payment Fees A fee of ₹100 is charged for making credit card bill payments in cash at the branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹400 |
| ₹501 - ₹5000 | ₹ 500 |
| ₹5001 - ₹10000 | ₹ 750 |
| ₹10000 and above | ₹ 950 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Get up to 6X Reward Points on Flights, Hotels and Car Rentals
via Travel with Points, plus up to ₹6,000 off on flights & hotels with Cleartrip
Save 10% up to ₹200 on Swiggy Instamart
orders of ₹500 and above using code HSBCRUPAY
The smartest way to find your great credit card
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