HSBC Platinum Credit Card
HSBC · Premium · Visa
Annual Fee
₹999
Fee Waiver
₹1.5L annual spend
Lounge Access
2/year
Best Rate
0.5%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
0.5%
✈️Travel
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
2 pts/₹100 on select categories (~0.5%), 1 pt other (~0.25%) · 2,500 welcome points
Key Benefits
0.5% on select categories2 lounge visits/yr2,500 welcome points
PROS
✅ Decent entry premium card from HSBC
✅ Some lounge access
CONS
⚠️ Low reward rate
⚠️ HSBC limited network in India
⚠️ ₹999 fee for modest benefits
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