HSBC Visa Platinum Credit Card – Premium Rewards & Perks

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Features of the HSBC Visa Platinum Credit Card

Overview of the Card’s Core Features: The HSBC Visa Platinum Credit Card is an entry-level credit card designed to cater to a wide range of consumers, from those new to credit to seasoned users seeking a cost-effective, feature-rich option. Known for its lifetime-free status with no joining or annual fees, this card combines convenience, rewards, and security features to enhance the user’s financial flexibility. Its sleek design, global acceptance, and robust rewards program make it a versatile choice for shopping, dining, travel, and everyday expenses. Below, we delve into the key features that define this card, offering a comprehensive understanding of its capabilities.
Lifetime-Free Card with No Joining or Annual Fees: One of the standout features of the HSBC Visa Platinum Credit Card is its zero joining and annual fee structure. Unlike many premium credit cards that impose hefty annual charges, this card is designed to be cost-effective, ensuring that cardholders can enjoy its benefits without worrying about recurring costs. This feature is particularly appealing to budget-conscious individuals or those new to credit cards who want to maximize value without additional expenses. The absence of these fees makes it an attractive option for long-term use, as cardholders can maintain the card without incurring maintenance costs, regardless of their spending patterns.

- Reward Points Program: The HSBC Visa Platinum Credit Card offers a robust rewards program that allows users to earn points on every eligible purchase. Cardholders earn 2 reward points for every ₹150 spent on eligible transactions, which include retail purchases, online shopping, and dining. Additionally, the card provides an accelerated rewards structure, where users can earn 5X reward points (up to a maximum of 15,000 points) on purchases made after spending ₹4,00,000 in an anniversary year. These points can be redeemed through the HSBC Rewards Programme for a variety of options, including gift vouchers, cosmetics, home appliances, and air miles with partnered airlines such as Etihad Airways, British Airways, Air India, and Singapore AirlinesAscent, making it a versatile tool for frequent travelers. Reward Point Validity and Redemption Options Reward points earned on the HSBC Visa Platinum Credit Card are valid for three years from the date of issuance, giving cardholders ample time to accumulate and redeem them. However, points earned in the first year expire at the end of the second year if not redeemed, emphasizing the importance of timely redemption. The redemption process is user-friendly, accessible via the HSBC India Mobile Banking app or online banking portal. Cardholders can redeem points for:
  Gift Vouchers: For food, entertainment, fashion, and more.
  Air Miles: Convertible at a 2:1 ratio with select airline partners.
  Products: Including electronics, cosmetics, and home appliances.
  Donations: Supporting charitable causes through point redemption.
  This flexibility ensures that cardholders can tailor their rewards to their lifestyle preferences, whether they prioritize travel, shopping, or philanthropy.
- Fuel Surcharge Waiver: For those who frequently use their vehicles, the HSBC Visa Platinum Credit Card offers a fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any fuel pump in India. This benefit is capped at a maximum of ₹250 per calendar month, potentially saving cardholders up to ₹3,000 annually. This feature is particularly valuable in India, where fuel costs can add up, making it a practical perk for daily commuters and frequent travelers alike.
- Interest-Free Credit Period: The card provides an interest-free credit period of up to 48 days on purchases, provided the previous month’s outstanding balance is paid in full. This feature allows cardholders to manage their cash flow effectively, making large purchases without incurring immediate interest charges. However, this benefit is contingent on clearing the previous month’s dues, encouraging responsible credit usage to maximize savings.
- Balance Transfer Facility: The HSBC Visa Platinum Credit Card includes a balance transfer facility, enabling cardholders to transfer outstanding balances from non-HSBC credit cards to this card at a lower interest rate, ranging from 10.99% to 15.99% per annum, depending on the bank’s internal policies. The minimum transferable amount is ₹5,000, with a maximum limit of up to 90% of the card’s credit limit. Available tenure options include 6, 12, 18, and 24 months, allowing cardholders to repay in affordable equated monthly installments (EMIs). This feature is ideal for consolidating debt and reducing interest expenses, offering financial flexibility.
- Zero Lost Card Liability: Security is a priority with the HSBC Visa Platinum Credit Card. In the event of card loss or theft, cardholders face zero liability for unauthorized transactions after reporting the loss to HSBC or Visa Global Assistance. Additionally, the card provides insurance coverage of up to ₹3,00,000 for misuse within 24 hours prior to reporting, offering peace of mind. The bank also ensures emergency card replacement within three days worldwide, along with access to emergency cash, making it a reliable option for global travelers.
- Global Acceptance and Digital Payments: The card is powered by Visa, ensuring global acceptance at millions of merchants and ATMs worldwide. This makes it an excellent companion for international travel, with a foreign currency markup fee of 3.5% on transactions abroad. Cardholders can also link the card to Google Pay for fast, secure, and contactless payments, enhancing convenience for both online and in-store purchases. The card’s compatibility with digital wallets aligns with modern payment trends, making transactions seamless.
- Exclusive Partner Discounts: HSBC partners with select brands to offer exclusive discounts, enhancing the card’s lifestyle appeal. Notable offers include: Tata CLiQ: 10% discount (up to ₹300) on a minimum transaction of ₹1,000 every Thursday. EazyDiner: Up to 15% off at over 700 restaurants in major Indian cities. BookMyShow: Buy-one-get-one-free movie tickets on Saturdays, with a maximum discount of ₹250. These partnerships cater to cardholders’ dining, shopping, and entertainment preferences, adding significant value to everyday spending.
- Extended Warranty on Purchases: Cardholders benefits from a 2-year extended warranty on selected household appliances purchased with the card, provided by Domestic & General Insurance PLC. Items costing between £50 and £2,000 are eligible, provided they are registered within 90 days of purchase. This feature adds value by protecting expensive purchases against defects beyond the manufacturer’s warranty period, offering peace of mind for high-value items like electronics or appliances.
- Emergency Card Replacement and Cash Advance: In case of card loss, HSBC ensures swift replacement within three days globally through Visa Global Assistance or the HSBC Helpline. Cardholders can also access emergency cash worldwide, providing a safety net during travel. The card’s cash advance facility allows users to withdraw cash up to their credit limit, subject to a ₹100 fee for overseas ATM withdrawals, offering liquidity when needed.
- Modern and Sleek Design: The HSBC Visa Platinum Credit Card features a sleek, professional design with metallic silver or platinum hues, prominently displaying the HSBC and Visa logos. The cardholder’s name, card number, and expiration date are clearly printed, contributing to its premium aesthetic. This design not only enhances its visual appeal but also reflects the cardholder’s sophisticated taste, making it a status symbol in professional and social settings.
- Comprehensive Customer Support: HSBC provides 24/7 customer support through toll-free numbers, ensuring cardholders can address queries, report issues, or seek assistance at any time. This round-the-clock service, backed by HSBC’s reputation as a trusted global bank, enhances user confidence and reliability.
- Flexible EMI Options: For significant purchases, the card offers the ability to convert transactions into EMIs through the HSBC India Mobile Banking app. This feature allows cardholders to spread payments over affordable installments, making high-value purchases more manageable without straining finances.
- Robust Security Features: The card incorporates advanced security measures, including chip-and-PIN technology and Visa Secure for online transactions, minimizing fraud risks. These features ensure safe usage across physical and digital platforms, protecting cardholders from unauthorized activities.
- Accessibility via HSBC Mobile Banking App: The HSBC India Mobile Banking app provides a centralized platform for managing the card, including tracking transactions, redeeming reward points, paying bills, and converting purchases into EMIs. This digital integration enhances user convenience, allowing cardholders to stay in control of their finances on the go.
- Introductory Offers for New Cardholders: New cardholders can benefit from introductory offers, such as a ₹250 Amazon e-gift voucher upon completing the online application and Video KYC. Additionally, spending ₹5,000 within 30 days via the HSBC India Mobile Banking app earns a ₹500 cashback, adding immediate value for new users.
- No Additional Cardholder Fees: The card allows for add-on cards for family members without extra fees, extending its benefits to loved ones. Both primary and add-on cardholders can individually qualify for welcome offers, increasing the card’s overall value for households.
- Sustainability and Corporate Responsibility: HSBC emphasizes sustainability and corporate responsibility, aligning the card with the bank’s global commitment to ethical practices. While not a direct feature, this ethos appeals to socially conscious cardholders who value banking with an institution that prioritizes environmental and social responsibility.

Benefits of the HSBC Visa Platinum Credit Card

Introduction to Benefits:
- Lifestyle Enhancement: The HSBC Visa Platinum Credit Card is designed to enhance the cardholder’s lifestyle by offering a range of benefits that span shopping, dining, travel, and financial management.
- Convenient & Rewarding: These benefits are tailored to provide convenience, savings, and exclusive privileges, making the card a valuable companion for everyday and special occasions.
Reward Points for Everyday Spending:
- Base Rewards: Earn 2 reward points per ₹150 spent on eligible purchases.
- Accelerated Rewards: Get 5X reward points (up to 15,000 points) upon reaching ₹4,00,000 in annual spending.
- Flexible Redemption: Redeem points for:
  - Travel Rewards – air miles with Etihad Airways, British Airways, Air India, and Singapore Airlines (2:1 ratio)
  - Gift Vouchers – dining, entertainment, fashion, etc.
  - Merchandise – electronics, cosmetics, home appliances
  - Charitable Donations – donate points to support causes

- Cost Savings with No Fees:
- Lifetime Free Card: No joining or annual fees, allowing cardholders to enjoy all benefits without incurring maintenance costs.
- Ideal for Long-Term Use: The zero-fee structure makes it suitable for users seeking a cost-effective credit card with long-term value.
- Fuel Surcharge Savings: The fuel surcharge waiver of up to ₹250 per month translates to potential annual savings of ₹3,000. This benefit is particularly valuable in India, where fuel costs are a significant expense for many households.
- Interest-Free Credit Period: The 48-day interest-free credit period is a powerful financial tool, allowing cardholders to make purchases and defer payments without incurring interest, provided the previous month’s balance is cleared.
- Exclusive Lifestyle Offers: HSBC’s partnerships with leading brands deliver exclusive discounts that enhance the cardholder’s lifestyle:
- Tata CLiQ: A 10% discount (up to ₹300) on Thursdays for transactions of ₹1,000 or more, ideal for lifestyle, electronics, and luxury purchases.
- EazyDiner: Up to 15% off at over 700 restaurants, catering to food enthusiasts in major Indian cities.
- BookMyShow: Buy-one-get-one-free movie tickets on Saturdays (up to ₹250 discount), perfect for entertainment lovers.
- Financial Flexibility with Balance Transfer and EMI: The balance transfer facility allows cardholders to consolidate debt from other credit cards at a lower interest rate, with flexible repayment tenures of 6 to 24 months.
- Enhanced Security and Peace of Mind: The zero lost card liability feature ensures cardholders are not responsible for unauthorized transactions after reporting a lost or stolen card.
- Global Usability: With Visa-powered global acceptance, the card is usable at millions of merchants and ATMs worldwide, making it an ideal travel companion.
- Introductory Offers for New Users: New cardholders can take advantage of attractive welcome offers:
  - ₹250 Amazon e-gift voucher: Upon completing the online application and Video KYC.
  - ₹500 cashback: On spending ₹5,000 within 30 days via the HSBC India Mobile Banking app.
  These one-time benefits provide immediate value, encouraging early engagement with the card.
- Complimentary Add-On Cards: The ability to issue add-on cards for family members at no extra cost extends the card’s benefits to loved ones. Both primary and add-on cardholders can individually qualify for welcome offers.
- Travel and Entertainment Perks: While the card does not offer complimentary lounge access, its buy-one-get-one-free movie ticket offer on BookMyShow and dining discounts via EazyDiner enhance its appeal for entertainment.
- Digital Convenience: The HSBC India Mobile Banking app streamlines card management, enabling users to track transactions, redeem rewards, pay bills, and convert purchases into EMIs.
- Security and Customer Support: The card’s chip-and-PIN technology and Visa Secure features protect against fraud, while 24/7 customer support via toll-free numbers ensures prompt assistance.
- Sustainability Alignment: While not a direct benefit, this alignment appeals to cardholders who prioritize environmentally and socially responsible institutions, enhancing the card’s appeal.
- Contactless Payment Convenience: The contactless payment feature allows for quick, secure transactions at compatible terminals, streamlining purchases in fast-paced environments.
- Comprehensive Lifestyle Benefits: The card’s combination of dining, shopping, and entertainment offers creates a holistic lifestyle package. Whether it’s saving on fuel, enjoying a night out, or planning a trip, the card’s benefits.
- Financial Discipline Encouragement: By offering an interest-free period and EMI options, the card encourages responsible financial management. Cardholders can leverage these benefits to avoid high interest charges.

How to Apply for the HSBC Visa Platinum Credit Card

Overview of the Application Process:
- Applying is straightforward with both online and offline options available.
- Ensure you meet eligibility criteria, submit required documents, and complete Video KYC verification.
Online Application Process:
- Visit the official HSBC India website (www.hsbc.co.in), navigate to the “Credit Cards” section, and select the “Visa Platinum Credit Card.” Click “Apply Now.”
- Fill in your personal, contact, income, and employment details accurately.
- Upload digital copies of required documents as specified.
- Schedule and complete the mandatory Video KYC session where your identity is verified via video call.
- After submission, HSBC processes your application within two weeks, with status updates sent via SMS.
- Upon approval, the card is delivered within 7 working days along with a PIN for activation.
Offline Application Process:
- Visit an HSBC branch in cities such as Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Noida, Jaipur, Ahmedabad, Gurgaon, Chandigarh, Coimbatore, or Kolkata.
- Request and fill out the Visa Platinum Credit Card application form.
- Submit physical copies of all required documents.
- Verification may be conducted in-person or via follow-up calls, which could take longer than online processing.
Application via Partner Platforms:
- Apply through partner websites like Paisabazaar.com or MyMoneyMantra.com.
- Enter your mobile number for OTP verification and review pre-qualified offers.
- Complete the application and upload documents as directed.
- Finish the Video KYC process to proceed with application approval.
Post-Application Steps:
- Track your application status via SMS, HSBC phone banking, or the HSBC India Mobile Banking app.
- Activate your card using the PIN provided once you receive it.
- Start using the card and take advantage of any introductory offers available.
Tips for a Successful Application:
- Ensure you meet age, income, and residency eligibility before applying.
- Prepare all required documents in advance and in the proper format.
- Maintain a credit score of 700 or above for better approval chances.
- Provide accurate details to avoid delays or rejection.
- Complete Video KYC promptly to speed up processing.

Eligibility Criteria for the HSBC Visa Platinum Credit Card

Overview of Eligibility Requirements: The HSBC Visa Platinum Credit Card targets salaried individuals and select self-employed professionals who meet specific criteria related to age, income, residency, and creditworthiness. These requirements ensure the card is issued to financially stable individuals capable of managing credit responsibly.
Age Requirements: Applicants must be between 18 and 65 years old. Some sources suggest a minimum age of 21 and maximum of 60 years for primary cardholders, but generally 18-65 is applicable subject to HSBC’s discretion.
Income Requirements: A minimum gross annual income of ₹4,00,000 is required for salaried individuals. Self-employed individuals must maintain an HSBC savings/current account and demonstrate consistent income via documents such as income tax returns or bank statements.
Residency Requirements: Applicants must be Indian residents living in major cities where HSBC operates, including Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Pune, Noida, Jaipur, Ahmedabad, Gurgaon, Chandigarh, Coimbatore, and Kolkata. NRIs or non-residents typically do not qualify unless specific conditions are met.
Employment Status: Primarily for salaried employees with reputed employers. Proof of stable employment is required (salary slips, employment letters). Self-employed applicants must have at least 2 years of business experience and consistent income verified through ITRs or bank statements.
Credit Score and Financial History: A credit score of 700 or above is preferred. HSBC reviews credit utilization, payment history, and past defaults. Negative factors such as high credit utilization, settled/charged-off accounts, or low scores reduce approval chances.
Debt-to-Income Ratio (DTI): High DTI ratios signal limited repayment capacity and may cause rejection. Applicants should reduce outstanding debts to improve approval odds.
Additional Considerations: Employer reputation, job stability (typically over one year in the same role), and existing banking relationships with HSBC improve approval chances.
Improving Eligibility: Steps to enhance eligibility include boosting credit scores, lowering debt, maintaining stable employment, and residing in eligible cities.
Documentation Requirements: Applicants must provide valid government-issued identification (such as Aadhaar, PAN card, or passport), proof of address (utility bills, rental agreement), and income proof (salary slips, bank statements, or ITRs) to complete the application.
Existing HSBC Customer Advantage: Existing HSBC banking customers, especially those with salary accounts or investment portfolios, may have a smoother approval process due to established banking relationships and verified financial history.
Minimum Credit History: Applicants are generally expected to have a minimum credit history of 1-2 years. This helps HSBC assess credit behavior and repayment reliability before issuing the card.

Documents Required for the HSBC Visa Platinum Credit Card

Overview of Documentation Needs:
- Applying for the HSBC Visa Platinum Credit Card requires submitting specific documents to verify identity, income, residency, and financial stability.
- The documentation process is streamlined to ensure quick processing, with both online and offline options available.
- Below, we list the required documents and provide guidance on preparing them.
Identity Proof:
- Applicants must provide one government-issued identity proof, such as:
- Aadhaar Card, Passport, Driving License, Election Voter’s ID, Ration Card, The document must be valid and clearly display the applicant’s name and photograph.
- For online applications, a high-quality digital copy is required.
Proof of Income:
- To verify the minimum income requirement of ₹4,00,000 per annum, salaried applicants must submit:
- Self-employed applicants must provide:
- These documents confirm the applicant’s financial capacity to manage credit card repayments.
Proof of Residence:
- Applicants must submit one of the following to verify residency in an eligible city:
- Electricity Bill: Latest or previous month’s bill.
- Phone Bill: Latest or previous month’s bill.
- Rental Agreement: Valid and signed by both parties.
- Flat Maintenance Bill: Latest or previous month’s bill.
- Bank Statement: Latest or previous month’s statement.
- Passport or Driving License: If the address matches the application address.
- The document must reflect the applicant’s current address in one of the eligible cities (e.g., Mumbai, Delhi, Bengaluru).
PAN Card or Form 60:
- A PAN (Permanent Account Number) card is mandatory to comply with Indian tax regulations.
- If a PAN card is unavailable, applicants can submit Form 60, a declaration for individuals without a PAN.
- The PAN card is preferred for faster processing.
Existing Credit Card Details (if applicable):
- If the applicant holds other credit cards, they must provide:
- Photocopy of the Credit Card: Front and back of the card.
- Latest Credit Card Statement: Reflecting recent transactions and outstanding balance.
- These documents help HSBC assess the applicant’s credit utilization and repayment history.
Passport-Size Photograph:
- A recent passport-size photograph is required for offline applications and may be requested for online applications during VKYC.
- The photograph should be clear and meet standard passport photo requirements.
Additional Documents for Self-Employed Applicants:
- Self-employed individuals with an HSBC savings or current account must submit:
- Business Proof: Documents like a business license or registration certificate.
- Income Tax Returns: For at least two years, showing consistent income.
- Bank Statements: Last three months’ statements reflecting business transactions.
Tips for Document Preparation:
- Verify Document Validity: Ensure all documents are current and not expired.
- Use Clear Copies: For online applications, upload high-resolution digital copies to avoid rejection.
- Organize Documents: Arrange documents in the order specified by HSBC to expedite verification.
- Certify Copies: For offline applications, provide self-attested or notarized copies if required.

Factors Affecting Eligibility for the HSBC Visa Platinum Credit Card

Total Relationship Balance (TRB): Applicants must maintain a quarterly TRB of ₹4,000,000, which includes balances across savings, current accounts, fixed deposits, investments, demat holdings, and eligible family member accounts. Failure to maintain TRB may result in charges and loss of Premier status.
Mortgage Relationship: Holding an HSBC mortgage of ₹11,500,000 or more can qualify applicants for Premier status, provided they achieve the ₹4,000,000 TRB within 12 months of the first disbursement. This is beneficial for home buyers using HSBC loans.
Corporate Salary Account: Premier status is granted to individuals with an HSBC Corporate Employee Programme salary account showing a monthly salary credit of ₹300,000 or more. A drop below this threshold may lead to reclassification and affect card eligibility.
Credit Score and Financial History: A credit score of 750+ is ideal. HSBC reviews payment history, credit utilization (preferably below 30%), and a low debt-to-income (DTI) ratio (ideally under 40%). Negative marks such as late payments or defaults can hinder approval.
Employment and Income Stability: Salaried individuals should have stable employment with reputed organizations. Self-employed applicants must show consistent income via ITRs and business performance. Frequent job changes or income fluctuations may reduce approval chances.
Age and Residency: Applicants must be aged 18–65 and reside in supported Indian cities (e.g., Mumbai, Delhi, Bengaluru, etc.). Global HSBC Premier customers may also be eligible under local terms.
Existing HSBC Premier Relationship: Only active HSBC Premier customers are eligible. An active account with at least one recent transaction is required. International Premier status may offer eligibility in India for returning clients or expatriates.
Number of Existing Credit Cards: Holding many credit cards with high balances increases credit utilization and may affect approval. HSBC restricts new card applications or limit increases within six months of a previous card issuance.
Debt-to-Income Ratio (DTI): A DTI above 50% may indicate financial strain. Applicants with lower DTI ratios are viewed as more capable of managing premium credit card responsibilities.
International Credit History: Non-residents or those recently relocated may apply using an international credit report from approved countries, improving eligibility if local history is limited.
Other Considerations: Recent rejections by HSBC, incomplete applications, or incorrect data may lead to denials. Applicants should avoid multiple recent applications and ensure accurate, verified documentation.
Strategies to Improve Eligibility: Increase TRB via deposits or investments, raise credit score through debt management, apply for a qualifying mortgage, or open a high-value salary account under HSBC CEP before applying.
Credit Card Utilization Trends: Applicants with consistently low credit utilization across existing cards are seen as financially disciplined, which can positively influence eligibility.
Recent Credit Inquiries: Multiple recent credit card or loan applications may be seen as credit-hungry behavior and reduce approval chances.
Existing Relationship Tenure: Long-standing HSBC customers (especially those with multiple product holdings) may receive preference during credit card evaluation.
Banking Activity: Regular transactions and usage of other HSBC services (e.g., investments, net banking) may indicate customer engagement and improve chances of approval.
KYC Compliance: Fully updated KYC records including PAN, Aadhaar, and recent address verification increase the likelihood of seamless processing and approval.
Mobile Number and Email Verification: Verified contact information associated with your HSBC account ensures smoother communication and faster updates regarding the application.
Tax Compliance: Filing regular ITRs and showing consistent tax records demonstrate financial transparency and boost confidence in the applicant's repayment ability.
Repayment Track Record: A clean history of timely EMI and credit card payments with other banks builds creditworthiness and trust for new card issuance.
Digital Footprint and Online Behavior: HSBC may consider an applicant’s digital engagement with banking services, including usage of mobile apps, online transaction patterns, and responsiveness to digital communications, as indicators of financial literacy and responsibility.
Co-applicant or Joint Account Holder Influence: In cases where a co-applicant or joint account holder has a strong financial profile and good credit history, this may positively impact the primary applicant’s eligibility and credit limits.

Frequently Asked Questions (FAQs) – HSBC Visa Platinum Credit Card

1. What is the HSBC Visa Platinum Credit Card?

The HSBC Visa Platinum Credit Card is a lifetime-free credit card with no joining or annual fees, offering rewards, fuel surcharge waivers, and exclusive discounts on dining, shopping, and entertainment. It is designed for salaried individuals and select self-employed professionals, providing financial flexibility and global acceptance.

2. Is there an annual fee for the HSBC Visa Platinum Credit Card?

No, the card is lifetime-free, with no joining or annual fees, making it a cost-effective option for cardholders.

3. What are the reward points offered by the card?

Cardholders earn 2 reward points for every ₹150 spent on eligible transactions. After spending ₹4,00,000 in an anniversary year, users earn 5X reward points, up to a maximum of 15,000 points.

4. How can I redeem my reward points?

Reward points can be redeemed via the HSBC India Mobile Banking app or online banking portal for gift vouchers, air miles, merchandise (e.g., electronics, cosmetics), or charitable donations. Points are valid for three years, but those earned in the first year expire at the end of the second year if not redeemed.

5. What is the fuel surcharge waiver benefit?

The card offers a fuel surcharge waiver of up to ₹250 per month on transactions between ₹400 and ₹4,000 at any fuel pump in India, potentially saving ₹3,000 annually.

6. What is the interest-free credit period?

The card provides up to 48 days of interest-free credit on purchases, provided the previous month’s outstanding balance is paid in full.

7. What is the balance transfer facility?

Cardholders can transfer outstanding balances from non-HSBC credit cards to the HSBC Visa Platinum Credit Card at a lower interest rate (10.99% to 15.99% p.a.). The minimum transferable amount is ₹5,000, up to 90% of the card’s credit limit, with repayment tenures of 6, 12, 18, or 24 months.

8. What security features does the card offer?

The card includes chip-and-PIN technology, Visa Secure for online transactions, zero lost card liability after reporting, and ₹3,00,000 insurance coverage for misuse within 24 hours prior to reporting. Emergency card replacement and cash advance services are also available globally.

9. Is the card accepted worldwide?

Yes, powered by Visa, the card is accepted at millions of merchants and ATMs worldwide. A 3.5% foreign currency markup fee applies to international transactions.

10. What are the exclusive partner discounts?

The card offers:

10% discount (up to ₹300) on Tata CLiQ for transactions of ₹1,000 or more every Thursday.
Up to 15% off at over 700 restaurants via EazyDiner.
Buy-one-get-one-free movie tickets on BookMyShow on Saturdays, with a maximum discount of ₹250.

11. What are the introductory offers for new cardholders?

New cardholders receive a ₹250 Amazon e-gift voucher upon completing the online application and Video KYC (offer valid from 7 March 2025 to 30 April 2025). Additionally, spending ₹5,000 within 30 days via the HSBC India Mobile Banking app earns ₹500 cashback.

12. Can I get add-on cards for family members?

Yes, add-on cards are available for family members at no extra cost. Both primary and add-on cardholders can individually qualify for welcome offers.

13. Does the card support contactless payments?

Yes, the card features contactless payment technology for quick and secure transactions at compatible terminals. It can also be linked to Google Pay for digital payments.

14. What is the eligibility criteria for the card?

Applicants must be:

Aged 18-65 years.
Indian residents in cities like Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Noida, Jaipur, Ahmedabad, Gurgaon, Chandigarh, Coimbatore, or Kolkata.
Salaried individuals with a minimum gross annual income of ₹4,00,000 or self-employed professionals with an HSBC account and two years of business experience.
Holders of a good credit score (typically 700 or higher).

15. What documents are required to apply?

Required documents include:

Identity Proof: Aadhaar card, passport, driving license, voter’s ID, or ration card.
Proof of Income: Latest salary slip, salary certificate, or bank statements for salaried individuals; income tax returns and bank statements for self-employed individuals.
Proof of Residence: Electricity bill, phone bill, rental agreement, flat maintenance bill, bank statement, passport, or driving license.
PAN Card or Form 60.
Existing Credit Card Details (if applicable): Photocopy of the card and latest statement.
A recent passport-size photograph may be required for offline applications.

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