What is the annual fee for the HSBC Platinum?

The HSBC Platinum is a lifetime-free credit card with no joining or annual fee.

Does the HSBC Platinum offer airport lounge access?

The HSBC Platinum does not include complimentary airport lounge access.

What rewards does the HSBC Platinum earn?

It earns 1.33% on eligible spends as Reward Points.

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Platinum — HSBC Credit Card | Card Manager

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HSBC

Platinum

•••• •••• •••• 0000

Platinum

VISA

Platinum

HSBC • Visa• Platinum

Available onVisaRuPayUPI

catalog

Annual Fee

Free

Base Reward Rate

1.33%

Foreign Tx Fee

3.5%

Tier

Platinum

Joining Fee

Free

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹266

Dining₹5,000/mo

+₹67

Grocery₹8,000/mo

+₹106

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹67

Online Shopping₹8,000/mo

+₹106

Utilities₹3,000/mo

+₹40

Annual earnings

₹7,820

Blended 1.25% effective return

Monthly spend₹52,000

Monthly earnings+₹652

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

Lifetime Free. ₹250 Amazon voucher + 2K bonus RP on ₹5K in 30 days. Periodic cashback campaigns. Visa Signature variant gets Times Prime.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹0.50 depending on redemption (cashback → flights/transfer).
value range
1.33% base reward rate on all eligible spends. 2 pts/₹150.
1.33%medium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None
Lifetime free card — ₹0 joining, ₹0 annual, ₹0 renewal.
₹0 forever

Payments

Joining fee: Free. Annual: Free.
Lifetime free
Milestone: spend ₹50,000/month → BookMyShow voucher worth ₹500 (2 x ₹250 vouchers) on spending over ₹50,000 in a calendar month. Maximum of ₹3000 per cardholder in a year.
+₹500 valuehigh