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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The HSBC Platinum Credit Card by HSBC is a Rewards offering featuring 1% cashback. Key benefits include Lifetime FREE — zero annual fee, 2 RP per ₹150 spent on all purchases. Most suitable for users seeking Best for aspirational travelers who...
HSBC
HSBC Platinum Credit Card
Data Verified
Last checked: 1 Mar 2026Best for aspirational travelers who want a free card that earns transferable airline miles to premium international carriers.
HSBC's lifetime-free rewards card offering 2 reward points per ₹150, with 5X accelerated points above ₹4 lakh annual spend. Points can be transferred to airline miles (British Airways, Singapore Airlines, Air India, Etihad) at competitive rates.
ShoppingRewardsAirlinesTravel
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
1%
Headline Rate
Forex Markup
3.5%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹3,000
Based on your 1% cashback rate.
Expert Verdict
"HSBC Platinum is a hidden gem. At ₹0 annual fee, it offers what most paid cards don't — transfer to British Airways Avios, Singapore Airlines KrisFlyer, and others. Verdict: Best free card for building airline miles."
Key Privileges
Welcome Benefit₹500 Amazon gift voucher on online application + 2000 bonus RP on ₹5K spend in 30 days
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹4 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹4 lakh per annum
- EmploymentSalaried/Self