All cards / HSBC India
HSBC Visa Platinum
A lifetime-free card whose real value is the fuel surcharge waiver plus a quarterly contactless-fuel cashback (₹250/quarter), rather than accelerated reward points — base point-earning rate is low.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.3%
Card network
Visa
Card tier
Mid
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- 1% fuel surcharge waiver, capped ₹250/month (₹400–₹4,000/transaction)
- 2,000 reward points (min. ₹5,000 spend in 30 days) + 3-month Swiggy One
Pros
- + Lifetime free
- + Fuel surcharge waiver + quarterly contactless fuel cashback
- + Low eligibility bar
Cons
- − Low base reward rate
- − No premium benefits
Applying takes you to HSBC India's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.