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HSBC India
HSBC RuPay Platinum Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.3%
Card network
RuPay
Card tier
Entry
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
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