HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a highly desirable card for shopping, dining, and fuel purchases. With attractive reward points and access to premium services like zero lost card liability and emergency card replacement, it offers a host of benefits. The best part is that there are no joining or annual fees, making it a cost-effective option. Enjoy unmatched rewards, exclusive privileges, and complimentary access to domestic and international lounges. This lifetime free credit card is the perfect choice for those seeking convenience, perks, and exceptional customer experience.

Key Highlights of HSBC Visa Platinum Credit Card

Features Details
Best for Rewards & travel
Joining fee Nil
Annual fee  Nil
Rewards 5X rewards on subsequent purchases made after spending Rs. 4,00,000 (maximum 15000 accelerated reward points) in an anniversary year
Complimentary airport lounge access 3 complimentary visits at domestic & international lounges or 3 AirDine (meal) vouchers for the use at airport restaurants in India
Annual income required  Minimum Rs. 4,00,000 per annum (for salaried individuals)
Required age  18 to 65 years

Features and Benefits of HSBC Visa Platinum Credit Card

1. Welcome Privileges:

  • Get up to INR 6,350 as introductory benefits.
  • Enjoy 3 complimentary airport lounge access at domestic and international lounges or 3 meal vouchers for use at airport restaurants in India.

2. Air Miles Conversion:

  • Convert air miles on InterMiles, British Airways, and Singapore Airlines.

3. Fuel Surcharge Savings:

  • Save up to INR 3,000 annually on fuel surcharge.

4. Additional Benefits:

  • Zero-liability for lost cards. No liability for transactions made after reporting the loss.
  • Emergency card replacement within 3 days worldwide.
  • Insurance benefits provided by ICICI Lombard General Insurance Company Limited.

5. Introductory Offers:

  • New cardholders can enjoy vouchers like Amazon (worth INR 500) and Swiggy (worth INR 250).
  • Get 10% cashback (up to INR 2,000) on all transactions in the first 30 days of card issuance.

The introductory offers are valid on Visa Platinum Credit Cards from 16 April 2023 to 15 August 2023.

6. Other Benefits:

  • Regular card benefits like cash advance, additional credit cards, global access, and 24×7 customer access through Phone Banking.

HSBC Visa Platinum Credit Card Fees and Charges

  1. Joining Fee: None (NIL)
  2. Renewal Fee: None (NIL)
  3. Foreign Currency Markup: 3.50% on all international spends
  4. Interest Rates: 3.49% per month (41.88% per year)
  5. Cash Advance Charge: 2.5% of the advance amount or Rs. 500, whichever is higher.

HSBC Visa Platinum Credit Card Eligibility

  • You must be a resident of India.
  • Age must be between 18 and 65 years.
  • If you’re salaried, your annual income should be at least Rs. 4 Lakhs.

Documents Required for HSBC Visa Platinum Credit Card

To apply for an HSBC Visa Platinum Credit Card, you’ll need:

  • Latest pay slip or salary certificate from your employer.
  • Bank statements for the last 3 months showing your salary credits.
  • Proof of residence, identity, and PAN card or Form 60.

How to apply for HSBC Visa Platinum Credit Card?

To apply for an HSBC Visa Platinum Credit Card, you can follow these steps:

  1. Visit the official HSBC website.
  2. Navigate to the “Credit Cards” section on the website.
  3. Look for the “Visa Platinum Credit Card” among the available credit card options.
  4. Click on the “Apply Now” or “Apply Online” button for the Visa Platinum Credit Card.
  5. Start your application by providing your name, mobile number, and any other required personal information.
  6. Follow the instructions on the application form and fill in all the necessary details accurately.
  7. Submit the required documents, which may include identification proof, address proof, income proof, and passport-sized photographs.
  8. Review the terms and conditions of the credit card, including fees, interest rates, and any promotional offers.
  9. Double-check all the information provided in the application before submitting it.
  10. After submission, the bank will review your application and conduct a credit check.
  11. If your application is approved, you will receive the HSBC Visa Platinum Credit Card at your registered mailing address.

Frequently Asked Questions (FAQs)

1. What are the key features of the HSBC Visa Platinum Credit Card?

The HSBC Visa Platinum Credit Card offers a range of features, including cashback rewards, travel benefits, dining privileges, and exclusive discounts. It also provides access to the HSBC Home & Away Privilege Program.

2. How can I apply for the HSBC Visa Platinum Credit Card?

You can apply for the HSBC Visa Platinum Credit Card online through the official HSBC website or by visiting a local HSBC branch. Ensure you meet the eligibility criteria and have the required documentation for a smooth application process.

3. What are the eligibility criteria for the HSBC Visa Platinum Credit Card?

The eligibility criteria may vary by location, but generally include factors such as age, income, and creditworthiness. Applicants typically need to be within a certain age range, have a stable income, and a good credit history.

4. How does the cashback reward system work on the HSBC Visa Platinum Credit Card?

The cashback rewards program allows cardholders to earn a percentage of their spending back as cashback. The exact details, including the cashback rate and applicable categories, can be found in the terms and conditions provided by HSBC.

5. What is the credit limit offered on the HSBC Visa Platinum Credit Card?

The credit limit varies based on individual financial circumstances and creditworthiness. Upon approval, HSBC will assign a credit limit to your account.

6. How can I check my HSBC Visa Platinum Credit Card balance and transactions?

You can check your credit card balance and transactions through HSBC’s online banking platform, mobile app, or by contacting the HSBC customer service helpline. These services provide real-time updates on your card activity.

7. Are there any annual fees associated with the HSBC Visa Platinum Credit Card?

The annual fees for the HSBC Visa Platinum Credit Card may vary, and some cards may have no annual fees. It’s essential to review the terms and conditions or contact HSBC directly to understand the specific fee structure associated with your card.

8. What security features are in place to protect my HSBC Visa Platinum Credit Card?

HSBC employs various security measures, including EMV chip technology, transaction alerts, and 24/7 monitoring, to safeguard your credit card against unauthorized use. Cardholders should also adopt secure practices, such as regularly updating passwords and reviewing statements for any suspicious activity.

9. How can I redeem the rewards earned with my HSBC Visa Platinum Credit Card?

HSBC typically provides an online platform or a dedicated rewards program through which cardholders can redeem their earned rewards. Details on redemption options and procedures are available in the rewards program terms and conditions.

10. What should I do if my HSBC Visa Platinum Credit Card is lost or stolen?

If your card is lost or stolen, contact HSBC immediately through their customer service helpline. They will assist in blocking the card to prevent unauthorized transactions and guide you on the process of obtaining a replacement card.