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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.2% | 0.3% | 0.7% | 0.4% | 0.4% |
| Est. Monthly Reward (₹) | 10 | 25 | 135 | 215 | 350 |
| All-India Rewards Rank* | 132 | 191 | 140 | 283 | 318 |
| Within Bank Rank* | 3 | 4 | 2 | 3 | 4 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The HSBC Visa Platinum Credit Card gives 1.25% accelerated effective reward on all spending above ₹4 Lacs in a year and 0.25% on all spending below ₹4 Lacs.
Overall, we estimate you can earn a net reward yield of 0.2-0.7% on all your spend with this card.
The Cashback Credit Card is the best credit card from HSBC India, if you spend more than ₹10,000 on your card each month. You can earn a net reward yield of 0.9-1.2% on all your spend with this credit card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | HSBC Visa Platinum Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 10 Reward Points / ₹150 on all spends >₹4 Lacs annual spends
2 Reward point / ₹150 on all spends <₹4 Lacs annual spends |
| Milestone Rewards | ₹250 cashback on spending ₹50,000 / Qtr. (Capped at ₹1,000) |
| Other Rewards | – 3 Complimentary Domestic and International Airport Lounge Visits / Qtr
– ₹500 Amazon Voucher – ₹250 Swiggy Voucher – 1+1 Movies tickets on Saturday trough BookMyShow (Capped at ₹250) – 10% discount on Tata Cliq (Capped ₹1,500 / mth.) |
| Rewards Redemption Fee | Nil |
| Reward Caps | 15,000 points on accelerated rewards |
| Preferred Redemption Method | Redeem points on HSBC Rewards Platform @ ₹0.20 / Reward point. |
| Card | HSBC Visa Platinum Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | Nil | |
| Min. Annual Credit Card Spend for Fee Waiver |
Nil | |
| Income Criteria | Salaried | ₹4 Lacs p.a. |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 41.88% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
