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
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