HSBC Visa Platinum Credit Card: Benefits, Apply

With such rapid lives in current times, management of financial planning and expenses remain quite difficult to manage. Under such situations, a well-crafted credit card may even be an able player that brings relief in catering to the basic needs of all financial necessities. The HSBC Visa Platinum Credit Card can truly prove beneficial as a suitable answer for individuals, not only restricting expenses but also seeking several other services and facilities for comfort. 

HSBC Visa Platinum Credit Card is a premium credit card of HSBC India. HSBC India is the Indian subsidiary of the Hong Kong and Shanghai Banking Corporation. This credit card offers many offers related to shopping, lifestyle, etc. Apart from this, through this credit card, the cardholder can also get other premium benefits like concierge service, zero liability on loss of card, emergency replacement, etc.

In today’s article, we will tell you in detail about HSBC Visa Platinum Credit Card Which we will tell you what is HSBC Visa Platinum Credit Card. What are its benefits? What should be the eligibility to get HSBC Visa Platinum Credit Card and how to apply for it? Therefore, read this article till the end so that later you do not face any problems while taking this card.

What is the HSBC Visa Platinum Credit Card?

HSBC Visa Platinum Credit Card is one of the lifetime free credit cards. This card provides a lot of benefits so that the payment system becomes easier for people who shop through HSBC Bank. The special thing about the HSBC Visa Platinum Credit Card is that you get many rewards and discounts in it so you can save a lot of money. Apart from rewards, you can also enjoy cheap food and travel.

With this, the customer gets a chance to get a discount every time while buying fuel, which is a very important option for a person like us who uses a credit card you people know that HSBC Visa Platinum Credit Card is a safe credit card because HSBC Bank is a safe bank recognized by RBI and provides 24/7 customer support.

How is the design of the HSBC Visa Platinum Credit Card?

The design of the Credit Card is very sleek and modern. It mostly comes in clean, sophisticated appearances with metallic silver or platinum hues. The HSBC logo usually dominates the front side of the card, together with the Visa logo.

In comparison to its modern designs, its simple design boasts a cardholder name and number printed out in front together with its expiration date. Minimal designs do well at this because, from appearance alone, the credit card stands premium professional as far as taste, thus ideal for a card-loving person.

What are the benefits of the HSBC Visa Platinum Credit Card?

Here are some of the main advantages with actual points earning details:

1. Reward Points:

• Get 2 reward points on every ₹150 spent on a purchase eligible for the category.

• You may collect and use points for the following: products, gift cards, or airline miles.

2. Welcome Offers

• Earn up to 5,000 reward bonus points for using the card up to ₹10,000 during the first 90 days since the card issuance date.

3. Restaurant Offers

• Savings of 15% are offered at associated restaurants most of the time.

4. Movie Tickets:

• Get discounts or cashback on booking movie tickets on partner platforms.

5. Fuel Surcharge Waiver:

• Waiver of fuel surcharge at all petrol stations in India for transactions in the range of₹400 and ₹4,000.

6. Shopping Discounts:

• Exclusivity deals and discounts at partnered retail stores and online portals.

7. Travel Benefits:

• Free visits or discounted visits to airport lounges.

• Travel offers and discounts on flight and hotel bookings.

8. Insurance Coverage:

• Free insurance coverage for air travel and medical emergencies.

• Purchase protection cover on items purchased with the card.

9. EMI Conversion:

• Convert large purchases into easy monthly installments at competitive interest rates.

10. Zero Liability on Lost Card:

• Protection from fraudulent transactions if the card is reported lost promptly.

What are the fees for the HSBC Visa Platinum Credit Card?

Here is a simple breakup of the  HSBC Visa Platinum Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.3% per month (40% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹100, whichever is higher.
Late Payment Fee	For Statement Balance From Rs.0 to Rs.500 – Nil More than Rs.500 up to Rs.1,000 – Rs.400 More than Rs.1,000 up to Rs.10,000 – Rs.750 More than Rs.10,000 up to Rs.25,000 – Rs.950 More than Rs.25,000 up to Rs.50,000 – Rs.1,100 More than Rs.50,000 – Rs.1,300

What are the criteria for getting an HSBC Visa Platinum Credit Card?

The following are the primary requirements:

1. To apply for the Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HSBC Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HSBC Visa Platinum Credit Card?

The documents that you will have to submit to get an  HSBC Visa Platinum Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HSBC Visa Platinum Credit Card be used?

Here is the list of places where you can use it:

• With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HSBC Visa Platinum Credit Card?

The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HSBC Visa Platinum Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the HSBC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HSBC Bank; for instance, you can choose the  HSBC Visa Platinum Credit Card.

• Just hover your cursor on the  HSBC Visa Platinum Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest HSBC Bank branch to apply for the Credit Card.

• Request for the credit card application form of the Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HSBC Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an HSBC Visa Platinum Credit Card in 2025 be right?

Yes, getting an HSBC Visa Platinum Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HSBC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

HSBC Visa Platinum Credit Card can be a financial tool for you that will not only help you control your daily expenses but also let you experience various benefits and facilities. 

You can even get many superb offers in traveling, shopping, dining, and entertainment through this credit card. Its security feature and other related services make it a better deal for those in search of an experience of superiority.

Apart from this, the reliability along with excellent service from HSBC Bank makes the deal even sweeter. To those looking at a credit card that mirrors what they live off, the Credit Card does come off as worth the look-through.

Frequently Asked Questions (FAQ’s)