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. Flight and hotel bookings do earn a noticeably higher multiplier than everyday spend, but common categories like utilities, insurance, education, and government payments are excluded from earning points altogether, and there is no domestic or international lounge access at any spend level.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.3%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 680+ 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 (₹400–₹4,000/transaction)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹50,000
- 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 per statement 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- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher; interest accrues from the date of withdrawal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 (₹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
- + Elevated rewards on flight and hotel bookings versus regular spend
Cons
- − Low base reward rate
- − No premium benefits
- − No lounge access of any kind
- − Utilities, insurance, education, and government payments earn no reward points