All cards / HSBC India
HSBC RuPay Platinum Credit Card
HSBC's lifetime-free RuPay entry card, effectively the UPI-linked sibling of the Visa Platinum — same low, unremarkable base reward rate, plus RuPay's UPI credit-line convenience.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.3%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.3% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver, capped ₹250/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 40.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹4,000, capped at ₹250/month
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher; interest accrues from the date of withdrawal
Benefits
- 1% fuel surcharge waiver, capped ₹250/month
- Welcome reward points on meeting the minimum spend criteria within 30 days
Pros
- + Lifetime free
- + RuPay network works with UPI-linked credit
- + Fuel surcharge waiver included
Cons
- − Low base reward rate
- − No premium benefits
- − rewardCategories are essentially flat, no bonus categories