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Credit Cards · India

HSBC RuPay Platinum Credit Card

Updated 3 Jul 2026Source-linked

The HSBC RuPay Platinum Credit Card is a entry credit card from HSBC India, with a joining fee of ₹0 + GST.

Welcome benefit: ₹500 welcome cashback (+ cashback on UPI linking + 2 transactions).

HSBC India logo
HSBC RuPay Platinum Credit Card
RuPay logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • Base rate 0.24%
Welcome Benefits
  • ₹500 welcome cashback (+ cashback on UPI linking + 2 transactions)
HSBC India logoHSBCRuPay logoplatinumentryLifetime free
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Rewards and Benefits

Rewards Rate
Base 0.24% on other spends.
Reward Redemption
HSBC Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
₹500 welcome cashback (+ cashback on UPI linking + 2 transactions)
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
Up to 10% off via District by Zomato
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by HSBC India.
  • Lifetime free — no joining or annual fee.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • ₹500 welcome cashback (+ cashback on UPI linking + 2 transactions)
    Download the app and log in
    Window: 90 days from issuance.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–65
Credit score
720+
Income (salaried)
₹4,00,000 p.a.
Income (self-employed)
₹4,00,000 p.a.
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