HSBC Visa Platinum Credit Card: No Annual Fee, Rewards, Fuel Surcharge Waiver, Air Miles Conversion

 HSBC Visa Platinum Credit Card: No Annual Fee, Rewards, Fuel Surcharge Waiver, Air Miles Conversion


  • HSBC Visa Platinum Credit Card एक Lifetime Free type proposition है जिसमें No Joining Fee और No Annual Fee मिलता है, जिससे long-term users के लिए total cost बहुत कम रहती है।

  • HSBC Visa Platinum Credit Card पर 2 Reward Points per ₹150 spend, Air Miles conversion, Fuel Surcharge Waiver और Contactless Tap-to-Pay benefits मिलते हैं।

HSBC Visa Platinum Credit Card overview

  • HSBC Visa Platinum Credit Card एक entry-level rewards credit card है जो everyday spends पर stable rewards और lifestyle offers देता है।

  • HSBC Visa Platinum Credit Card में Zero Joining Fee और Zero Annual Fee के साथ welcome gifts, dining/travel brand offers और balance transfer जैसी सुविधाएँ मिलती हैं।

Key features and benefits

  • No Joining Fee, No Annual Fee: HSBC Visa Platinum Credit Card बिना annual burden के long-term usage के लिए बेहतर है।

  • Rewards on every spend: 2 Reward Points per ₹150 on HSBC Visa Platinum Credit Card daily transactions पर मिलते हैं।

  • Air Miles Conversion: HSBC Visa Platinum Credit Card points को Air India, British Airways, Singapore Airlines, Etihad जैसे partners में convert किया जा सकता है (as per live catalogue)।

  • Fuel Surcharge Waiver: HSBC Visa Platinum Credit Card पर 1% Fuel Surcharge Waiver with monthly caps, quarterly cashback constructs एवं tap-to-pay incentives available रहते हैं (T&Cs apply)।

  • Contactless Payments: HSBC Visa Platinum Credit Card NFC Tap-to-Pay supported है और small ticket transactions में तेज checkout देता है।

  • Welcome Benefits: HSBC Visa Platinum Credit Card पर limited-period welcome rewards जैसे eGift Voucher/bonus points अक्सर मिलते हैं (campaign dependent)।

  • Partner Offers: HSBC Visa Platinum Credit Card पर dining, movies, travel partners (जैसे MakeMyTrip, BookMyShow, EazyDiner) पर curated offers मिलते हैं (periodic)।

Rewards program details

  • Base earn rate: HSBC Visa Platinum Credit Card पर 2 Reward Points per ₹150 spend typical earn rate है।

  • Accelerators/Milestones: Selected milestones पर 5X Reward Points (annual spend thresholds) जैसे constructs देखे गए हैं; actual availability campaign-specific रहता है।

  • Redemption options: HSBC Visa Platinum Credit Card points को Air Miles, Hotel Loyalty Points, Gift Vouchers, merchandise इत्यादि में redeem किया जा सकता है।

Fees and charges

  • Joining Fee: Nil on HSBC Visa Platinum Credit Card।

  • Annual Fee: Nil on HSBC Visa Platinum Credit Card (lifetime-free positioning)।

  • Interest/Finance Charges: Typical entry-level APR bracket; actual rate profile-based होता है, statement T&Cs check करना चाहिए।

  • Cash Advance Fee: Standard grid charges apply on HSBC Visa Platinum Credit Card cash withdrawals (use only for emergencies)।

  • Late Payment Fee: Slab-based fee grid; timely payments से avoid करें।

  • Forex Markup: ~3.5% typical entry-level card class में; international usage cost factor consider करें।

Eligibility and documents

  • Eligibility: Indian resident, Salaried/Self-employed; HSBC Visa Platinum Credit Card के लिए minimum annual income commonly ₹4 lakh indicative देखा जाता है (city coverage applicable)।

  • Age: Typical 18–65 guideline for HSBC Visa Platinum Credit Card; final approval bank policy पर निर्भर है।

  • Documents: KYC (Aadhaar/Passport/Voter ID), Address Proof, Income Proof (Salary Slip/Form 16/ITR) for HSBC Visa Platinum Credit Card application।

Travel and lifestyle

  • Air Miles and Hotels: HSBC Visa Platinum Credit Card reward points को Air Miles/Hotel loyalty में convert करके flights/hotel stays में value निकाली जा सकती है।

  • Dining and Movies: HSBC Visa Platinum Credit Card पर EazyDiner/BookMyShow/partner platforms पर periodic discounts/BOGO/instant cashback type offers मिलती हैं (caps apply)।

Safety and utility

  • Zero Liability on Lost Card: HSBC Visa Platinum Credit Card पर timely report करने पर zero liability protection मिलता है as per policy।

  • Balance Transfer/EMI: HSBC Visa Platinum Credit Card balance transfer, instant EMI, loan-on-phone जैसे utilities provide करता है (eligibility dependent)।

How to apply

  • Online Apply: HSBC Visa Platinum Credit Card के लिए online application करें, video KYC complete करें, basic KYC + income details submit करें; approval credit policy पर निर्भर है।

  • Activation and PIN: HSBC Visa Platinum Credit Card activate करने के बाद mobile app/net banking से PIN setup/change करें और contactless/overseas controls manage करें।


Benefits Summary

  • HSBC Visa Platinum Credit Card, No Annual Fee credit card, No Joining Fee credit card, Lifetime Free credit card, Rewards credit card India, 2 Reward Points per ₹150, Air Miles conversion credit card, Fuel Surcharge Waiver credit card, Contactless Tap-to-Pay credit card, Dining offers credit card, Movie discount credit card, BookMyShow offer credit card, EazyDiner dining credit card, MakeMyTrip offer credit card, Balance Transfer credit card, Low interest credit card, Zero liability lost card, Best entry-level credit card India, Apply HSBC Visa Platinum Credit Card online, HSBC India credit card।

Pros and cons

  • Pros: No Annual Fee, 2 Reward Points per ₹150, Air Miles conversion, Fuel Surcharge Waiver, welcome gifts and partner offers on HSBC Visa Platinum Credit Card।

  • Cons: Airport lounge access generally not included, Forex markup typical ~3.5%, rewards exclusions on utilities/insurance/fuel categories possible on HSBC Visa Platinum Credit Card।

Who should choose

  • First-time users wanting No Annual Fee, frequent domestic diners/shoppers, Air Miles converters, and contactless users के लिए HSBC Visa Platinum Credit Card practical है।

  • Frequent international travelers needing airport lounge/low forex markup के लिए higher-tier travel credit cards evaluate करना बेहतर रहेगा।

Quick bullets points

  • HSBC Visa Platinum Credit Card No Annual Fee, No Joining Fee।

  • HSBC Visa Platinum Credit Card 2 Reward Points per ₹150 base earn rate।

  • HSBC Visa Platinum Credit Card Air Miles Conversion to leading airlines।

  • HSBC Visa Platinum Credit Card Fuel Surcharge Waiver with caps।

  • HSBC Visa Platinum Credit Card Contactless Tap-to-Pay NFC support।

  • HSBC Visa Platinum Credit Card Dining and Movie partner offers।

  • HSBC Visa Platinum Credit Card Balance Transfer and EMI utility।

  • HSBC Visa Platinum Credit Card Zero Liability on lost card (as per policy)।

Note: Offers, multipliers, and fees/charges periodically update होते रहते हैं; final T&Cs और live partner list HSBC official channels पर verify करना चाहिए before application and major spends planning।

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