Premium
HSBC Visa Platinum Credit Card
HSBC 6.2
CardTrail Score
Decent
out of 10
Annual Fee
₹2,500
Spend ₹2.5L/year
Forex Markup
2%
Reward Rate
0.5%
Up to 2%
Lounge Access
4
domestic | 0 intl
About This Card
The HSBC Visa Platinum Credit Card is a premium credit card from HSBC with an annual fee of ₹2,500. It earns rewards at 0.5% on everyday purchases. Key perks include 4 complimentary lounge visits, fuel surcharge waiver. Best suited for dining enthusiasts and frequent travellers.
Pros & Cons
Pros
- Low forex markup at 2.0%
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
- Attractive welcome bonus: 2,500 Reward Points
Cons
- ₹2,500 annual fee may not suit light spenders
- 2.0% forex markup on international transactions
- Income eligibility: ₹6L+ per annum
Fee Details
Annual Fee
₹2,500
Joining Fee
₹2,500
Fee Waiver Condition
Spend ₹2.5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
2%
Currency
Reward Points
Welcome Bonus
2,500 Reward Points
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + Annual fee ₹2,500 (waiver: Spend ₹2.5L/year)
- + 4 domestic lounge visits per year
- + Fuel surcharge waiver at all pumps
- + Welcome bonus: 2,500 Reward Points
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Quick Summary
Best For
dining travel
Annual Fee ₹2,500
Base Reward 0.5%
Max Reward 2%
Forex Markup 2%
Network Visa Platinum
Min Income ₹6L+
CardTrail Score
Best For
dining travel
