If you hold this card: You keep the legacy Visa Signature and its 5X dining/travel/online earn. It is no longer available as a standalone card to new applicants — its perks (Times Prime, concierge, golf) now sit on the lifetime-free HSBC Platinum.
HSBC India no longer issues a standalone Visa Signature card. Its benefits were folded into the lifetime-free HSBC Platinum — which HSBC placed on the Visa Signature network in September 2025 — so new customers should take the free Platinum, or the TravelOne for premium travel.
View the active card — HSBC Platinum Credit Card →In-depth review
HSBC Visa Signature Credit Card
Note first: HSBC no longer offers a standalone Visa Signature card in India — the Visa Signature benefits are now folded into the lifetime-free HSBC Visa Platinum. This review covers the legacy ₹1,499 Visa Signature (5X on dining, travel and online shopping plus lounge and golf) for existing holders and context. New applicants should look at the free Platinum for the same Visa Signature perks, or the TravelOne for premium travel value.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
1.25% on Dining
5 reward points per ₹100 on dining
1.25% on Online Shopping
5 reward points per ₹100 on online shopping
Airport Lounge Access
Complimentary: 8 domestic airport lounge visits a year (2 a quarter)
Annual Fee Waiver
Fee of ₹1,499 + 18% GST (₹1,769 all-in)/yr fully waived when you spend ₹4,00,000/year
Golf Privileges
Complimentary golf rounds at select courses
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹3,000
Golf perk value
- Complimentary golf access at premium courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹4,000
Estimated annual value
2%
Forex markup
1.3%
Travel reward rate
- Domestic airport lounge access (8 domestic visits/yr, worth ~₹4,000)
- Low forex markup: 2.0%
Existing legacy Visa Signature holders. New applicants should instead apply for the lifetime-free HSBC Platinum (which now carries the Visa Signature benefits) or the TravelOne for travel.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Online Shopping | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Travel | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
Dining: 5 reward points per ₹100 on dining
Online Shopping: 5 reward points per ₹100 on online shopping
Travel: 5 reward points per ₹100 on travel
Other: 2 reward points per ₹100 on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Forex markup | 2% |
Perks & benefits
Estimated annual value beyond rewards — ~₹7,600/yr in total.
1% fuel surcharge waiver
Complimentary golf rounds at select courses
2 complimentary domestic airport lounge visits per quarter
Should you get it?
- Best for: Existing HSBC account holders wanting a rewards card, Professionals spending ₹30,000–₹50,000/month on dining and travel, Users who hit ₹4L annual spend for fee waiver
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (1.25% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 5 reward points per ₹100 on dining, travel, and online shopping
- 2 complimentary domestic lounge visits per quarter
- Annual fee waived at ₹4L spend
- Golf access at select courses
- 1% fuel surcharge waiver
✕ Cons
- Points not transferable to airline or hotel programmes
- 2% forex markup — not for heavy international use
- Weaker earning on non-accelerated categories (2 RP/₹100)
What your HSBC Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption — the floor. HSBC points redeem best by transfer, not cash
Brand & e-gift vouchers
No longer offered as a standalone product, and points have no airline/hotel transfer partners — the free Platinum or the TravelOne are the live alternatives.
Frequently asked questions
Is the HSBC Visa Signature still available?
Which card replaces the HSBC Visa Signature?
What were the HSBC Visa Signature reward rates?
Can HSBC Visa Signature points be transferred to airlines or hotels?
What benefits did the HSBC Visa Signature include?
The bottom line
There is little reason to seek this out: HSBC no longer issues a standalone Visa Signature, and Times Prime and other Visa Signature privileges now sit on the free Platinum. If you hold the legacy card it remains a competent 5X dining/travel/online earner; if you are choosing today, take the Platinum (free, same Visa Signature perks) or the TravelOne (transferable miles).
How this page was built
Counted from this card’s own record: 4 earn rules and 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the HSBC Visa Signature Credit Card are taken from HSBC's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for HSBC. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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