LIFETIME FREE CARD

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card
6.6%
Reward rate (in term of airmiles), on annual card spends above ₹4 lakhs
Annual Fee

₹0

  • Welcome offer : Amazon voucher worth ₹500, given at ₹5000 card spend within 30 days of card issuance. Valid till 30th June 2024.
Minimum Income

₹4 lakhs per year

Lifetime free card

1.33% reward (in terms of airmiles), on all annual card purchases upto  ₹4 lakhs (X)
- You earn 1.3 reward points worth 1.3 airmiles, on every ₹100 you spend (2 reward points on every ₹150 spend)
- 1 reward point = 1 British Airways Airmile (called Avios). You get a lower value of reward points on HSBC's rewards redemption platform, or if you convert reward points into airmiles of other airlines.

6.66% reward (in terms of airmiles), on all annual card purchases between ₹4 lakhs and ₹6.25 lakhs (5X)
- You earn 6.6 reward points worth 6.6 airmiles, on every ₹100 you spend (10 reward points on every ₹150 spend)
- The 5X accelerated reward points are restricted to 15000 per year, which you will reach when you reach ₹6.25 lakhs annual card spend
- 1 reward point = 1 British Airways Airmile (called Avios)

Fuel surcharge waiver, upto ₹250 per month
- You get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only. And on fuel spends upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month.

Benefits
- Lifetime free card
- If you utilize the 5X rewards benefit well and redeem for air miles, you can earn a good reward rate, especially for a lifetime free card

Drawbacks to consider
- Reward rate for lower card spends is not very attractive


To read the full review of the card, please click here

PREMIUM CARD FROM HSBC

HSBC Premier Credit Card

HSBC Premier Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Unlimited complimentary access to airport lounges both in India and abroad
✔︎
Free golf rounds - 24 rounds per year (maximum 2 rounds per month) || Free golf lessons - 12 lessons per year (maximum 2 lessons per month)
3%
Reward (in terms of airmiles) on all card spends
Annual Fee

₹20000

  • Welcome offer : Taj Experiences gift card worth ₹12,000 || Complimentary EazyDiner Prime annual membership || Epicure membership with offers and benefits across Taj hotels
  • Renewal offer : No annual fee for HSBC Premier customers
Minimum Income

HSBC Premier relationship required to get card || No annual fee for HSBC Premier customers

Metal credit card

3% reward (in terms of airmiles) on all card spends
- You earn 3 reward points, on every ₹100 you spend on your credit card. Reward points never expire.
- Reward points can be converted to airmiles. 1 reward point = 1 Club Vistara Point || 1 Air India Flying Return Point || 1 British Airways Avios Mile || 1 Etihad Airways Airmile

Unlimited complimentary access to airport lounges both in India and abroad

Free golf rounds - 24 rounds per year (maximum 2 rounds per month) || Free golf lessons - 12 lessons per year (maximum 2 lessons per month)
- This is a benefit as part of HSBC Premier banking relationship

Low fee of 0.99% on foreign transactions
-This fee is charged is charged on value of foreign transactions

30% off your bill with EazyDiner, upto ₹1,250

Benefits
- Good lifestyle benefits

Drawbacks to consider
- You can get higher rewards on card spends, on other premium travel cards

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