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REWARD POINTS CARD

HSBC RuPay Platinum Credit Card

HSBC

Earns 2 reward points for every ₹150 spent, with no joining or annual fee. Points can be converted to air miles and hotel loyalty points in the HSBC India Mobile Banking app.

Fuel surcharge waiver applies only to fuel transactions of ₹400 to ₹4,000, capped at ₹250 a month. Welcome cashback needs ₹5,000 spend within 30 days of getting the card.

HSBC RuPay Platinum Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earn 2 reward points for every ₹150 spent on the card.
BEST FOR
Included: May suit people who want a card with no joining or annual fee that earns reward points on everyday spends.
Included: May suit people who want reward points on everyday spends without a joining or annual fee.
Included: May suit people who want to convert reward points to air miles or hotel loyalty points.
Included: May suit people who pay through UPI apps and want a RuPay credit card linked to them.
Limitation: Those heavy fuel spends may wish to compare other cards.
Limitation: Those people who want a stated airport lounge benefit may wish to compare other cards.
Limitation: Those heavy fuel spenders may wish to compare other cards.
Limitation: Those applicants outside the listed cities or below the stated income and age criteria may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Fuel surcharge waiver applies to fuel transactions between ₹400 and ₹4,000 and is capped at ₹250 a month.
Condition: Reward points can be converted to air miles and hotel loyalty points in the HSBC India Mobile Banking app.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
65

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Fuel transactions of ₹400 to ₹4,000; capped at ₹250 a month
Dining
Save 10% on dining, activities and shopping with District by Zomato; 2-month EazyDiner membership on card activation.
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Earn 2 reward points for every ₹150 spent on the card.
Included: No joining or annual fee.
Included: Reward points can be converted to air miles and hotel loyalty points in the HSBC India Mobile Banking app.
Included: Reward points are also earned on credit card-linked UPI payments; link the card to HSBC SimplyPay and other UPI apps.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.