HSBC RuPay Platinum Credit Card
HSBC
A free UPI-linked card for HSBC customers wanting card-linked UPI without a fee.
Free
Joining fee
Free
Annual fee
Not applicable — no fee charged at all (lifetime free), per official page and both aggregators.
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 18–65
Salaried min Rs 6,00,000/year; self-employed min Rs 12,00,000/year, age 25-65; Indian resident required
Restricted to ~20 named cities (Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat, Trivandrum)
Lounge access
Note: DIRECT CONTRADICTION between aggregators: Paisabazaar states 'unlimited complimentary airport lounge access (limited-time promotional offer)'; CardInsider explicitly states 'no domestic or international lounge access' is offered. Official page does not mention lounge access at all. Treated as not confirmed / likely absent given the pattern of Paisabazaar marketing its own PB Pass product as a card feature.
Key features
- No fee ever
- UPI integration via HSBC SimplyPay
- 2 pts/₹150
- Fuel surcharge waiver up to ₹3,000/year
- JCB network acceptance in 160+ countries
Reward details
2 reward points per Rs 150 spent, including UPI transactions
Welcome bonus: Rs 250 Amazon voucher, Rs 500 cashback on Rs 5,000 spend within 30 days, 2-month EazyDiner membership (aggregator-sourced, likely time-limited)
Redemption
Also gift card redemption (Paisabazaar)
Ratio: Air India Maharaja Club at 2:1, Shangri-La Circle at 10:1 — ratios vary widely by partner
Excluded from rewards: utilities, taxes, real estate, money transfers, jewelry, insurance, fuel, e-wallet loading, cash advances
- Fuel surcharge waiver on transactions Rs 400-4,000, capped at Rs 250/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- UPI-linked rewards, multiple redemption options, zero-fee structure, accessible income requirement — Paisabazaar
Complaints
- Low activation voucher value; co-branded offers (Swiggy/Tira/Paytm/Cleartrip) are temporary/limited-period; limited lifestyle perks overall — Paisabazaar
- A cardholder was surprised by an '18%' charge on a Paytm bill payment; another user/respondent clarified this was most likely a 2% Paytm convenience fee plus GST rather than a card-specific surcharge — CardInsider
Sources
- Official — fees, eligibility
- Aggregator — forex, lounge, rewards, sentiment
- Aggregator — lounge, rewards, sentiment