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HSBC Platinum Credit Card

HSBC ยท VISAโ˜…4.0/ 5

MidLifetime FreeAll HSBC cards โ†’

โœ“ Details last verified 1 Jan 2026

HSBCMID
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5โ€ขโ€ขโ€ข โ€ขโ€ขโ€ขโ€ข โ€ขโ€ขโ€ขโ€ข โ€ขโ€ข42
Card name
HSBC Platinum Credit Card
VISA
HSBC Platinum Credit Card front
โ€ขโ€ขโ€ข

Lifetime free card. This card is the property of HSBC. If found, please return to the nearest HSBC branch. Use subject to the issuer's terms.

HSBCVISA
HSBC Platinum Credit Card back

โ†ป Hover or tap the card to flip

Reviewed by CardAdvisor Editorial Teamยท Last verified 1 Jan 2026ยท How we research

At a glance

Free
Joining fee
Lifetime free
Annual fee
Not needed
Fee waiver
1%
Best reward rate
โ‚น25,000/mo
Min income

Rewards by category

What you earn on every rupee, per spend category.

CategoryTypeRateMonthly cap
Otherreward points1%โ€”

Other: 1% base value on other spends

Fees & charges

The numbers that matter beyond rewards โ€” verify on the issuer site before applying.

โ€”
Finance charge (APR)
3.5%
Forex markup
โ€”
Cash advance fee
โ€”
Add-on card fee
โ€”
Fuel surcharge waiver
โ€”
Rent payment fee
โ€”
Reward redemption fee

Who is this card for?

  • ๐Ÿ’ณMid tier โ€” a solid all-rounder for steady monthly spend.
  • ๐ŸŽฏStrongest value if you spend heavily on Other (1% back).

Eligibility & documents

Min. incomeโ‚น25,000/mo

What your hsbc reward points are worth

Realistic value per point by redemption route โ€” the difference is what most people leave on the table.

Statement credit / catalogue

Standard redemption

โ‚น0.25/pt

SOURCES & VERIFICATION

Fees, reward rates, and benefits for the HSBC Platinum Credit Card are taken from HSBC's official Most Important Terms & Conditions (MITC) and fee schedule โ€” see the issuer's official page. Last verified 1 Jan 2026. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often โ€” always confirm current details on the issuer's site before applying. How we research & review โ†’

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