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Premium Decision Grade Catalog
HSBC LTD
HSBC Visa Platinum Credit Card
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Verified Catalog
Source: HSBC LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Entry-level lifetime free card with reward points and air miles redemption options
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
2 reward points per ₹150 spent,
Highlight 2
5X rewards annually on spends above ₹4 lakh,
Highlight 3
redeemable for airmiles and travel benefits.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Travel Credits value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"Access based on Priority Pass with min. ₹20,000 monthly spend"
Hotel Privileges
"Complimentary Club Marriott Membership and Tablet Plus Membership"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Doctor's registration certificate, income proof, address proof, identity proof"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Best for high-net-worth individuals seeking a comprehensive premium card with exceptional travel, dining and lifestyle benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Travel Credits
- Welcome Offer: ₹100 Amazon voucher + ₹500 cashback
- RP to Rupees: 1 Reward Point = ₹0.20-0.25
- Accelerated Rewards Program: 2.5 RP per ₹100 on e-commerce
Cons
- APR: 3.6% per month (43.2% annually)
- Base Rate: Transaction-based progressive structure
- Spa: Select spa deals
- Golf: 1 complimentary golf lesson each month & 4 green fee waivers
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Customer Reviews
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