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HSBC RuPay Platinum Credit Card

HSBC RuPay Platinum Credit Card is a lifetime free card offering zero joining and annual fees. It earns reward points on UPI spends, with two points for every ₹150 spent. Cardholders can redeem rewards as miles with over 15 airline and travel partners.

HSBC RuPay Platinum Credit Card

About HSBC RuPay Platinum Credit Card

HSBC RuPay Platinum Credit Card is a no-fee rewards card that supports UPI payments and everyday spends. With zero joining and annual charges, it lets users earn reward points on all eligible transactions. New cardholders also receive welcome benefits such as shopping vouchers, cashback offers, and complimentary EazyDiner membership, helping maximise savings from the start.

What truly differentiates this card from most lifetime-free RuPay options is its travel-focused redemption flexibility. Instead of limiting rewards to vouchers, HSBC allows accumulated points to be converted into air miles and hotel points across 15+ domestic and international airline and hospitality partners, including leading global brands.

Additionally, the card periodically features co-branded offers with popular platforms like Swiggy, Tira, Paytm, and Cleartrip, enhancing value on daily expenses. Overall, it serves as a solid entry-level credit card for first-time users looking for zero fees, simple eligibility, UPI usage, and access to premium travel redemptions.

Rewards & Redemption

Reward Earnings

  • Earn reward points on every eligible spend, including UPI payments
  • Get 2 reward points for every ₹150 spent

Reward Redemption

  • Redeem points instantly through the HSBC India mobile app
  • Flexible redemption choices available

Redemption Options

  • Shopping and lifestyle gift vouchers
  • Air miles and hotel loyalty points with multiple global partners

Airline & Hotel Transfer Partners
(Reward points required per 1 mile/point may vary by partner)

  • Air India, Air France–KLM, British Airways, Etihad Airways, Japan Airlines, Singapore Airlines, Qatar Airways, Thai Airways
  • AirAsia, United Airlines, Qantas Airways, Turkish Airlines, Vietnam Airlines, EVA Air, Hainan Airlines
  • Accor, IHG® Hotels & Resorts, Marriott International, Wyndham Hotels & Resorts, Shangri-La

Key Highlight

  • Unlike most RuPay cards, this card allows conversion of reward points into travel loyalty programs, making it suitable for frequent travellers and everyday spenders alike

Other Features & Benefits

Welcome / Activation Offers

  • Amazon e-gift card valued at ₹1,002 on card activation
  • ₹500 cashback on achieving spends of ₹5,000 within the first 30 days
  • Complimentary EazyDiner membership for 2 months

Co-Branded & Partner Deals (limited-period offers)

  • Swiggy Instamart: 10% savings on grocery purchases of ₹500 or more, up to ₹200 per order
  • Tira: Flat 10% discount on spends of ₹2,499 and above every Wednesday, capped at ₹1,000
  • Paytm: 5% cashback on eligible bill payments starting from ₹299, with a maximum benefit of ₹150
  • Cleartrip: Travel discounts of up to ₹6,000 on flight and hotel bookings

Fuel Benefit

  • Fuel surcharge waiver on fuel spends between ₹400 and ₹4,000
  • Monthly waiver benefit capped at ₹250

HSBC RuPay Platinum Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

HSBC RuPay Platinum: Fees & Charges

Fees & Charges Amount
Joining Fee Nil
Annual Fee Nil
Financial Charges 3.75% p.m. | 45% p.a.
Late Payment Charges 100% of the Minimum Payment Due (subject to a minimum of Rs. 250 and a maximum of Rs. 1,200 per month)

Things to Know Before Applying

This Card Makes Sense If:

  • You’re looking for a lifetime free credit card with no annual charges

  • You want to make UPI payments using a credit card

  • You plan to benefit from airline and hotel miles conversion

Eligibility Criteria:

  • Age: Applicants should be between 18 and 65 years

  • Income: Minimum annual income of ₹4 lakh for salaried individuals

  • Availability: Card is currently available in select cities only

Steps to Close HSBC RuPay Platinum Credit Card

If you want to close your HSBC RuPay Platinum Credit Card, it is important to follow the correct procedure provided by HSBC Bank to ensure a smooth and secure closure.

Contact Customer Service

Start by reaching out to HSBC Bank’s customer care:

  • Call the helpline number available on the back of your credit card or on the official website

  • Follow the IVR instructions to connect with the appropriate department

Follow the Instructions

Once connected, carefully listen to the automated prompts or the customer care executive:

  • Select the option related to credit card services

  • Choose the option for card closure or account cancellation

Make sure to follow each step as guided.

Provide Required Details

You will need to verify your identity before proceeding. Be ready to provide:

  • Your full name

  • Registered mobile number

  • Address or other identification details

This step ensures that the request is processed securely.

Confirm the Closure Request

After verification, confirm your request to close the credit card:

  • The representative may inform you about any pending dues or important terms

  • Ensure you understand all conditions before final confirmation

Important Points to Remember

  • Clear all outstanding dues, including EMIs, interest, and charges before requesting closure

  • Redeem any reward points, as they may expire after the account is closed

  • Stop using the card once the closure request is submitted

  • Ask for confirmation via SMS or email once the card is successfully closed

After Closure

  • Safely destroy the card by cutting it across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure the status is updated as “Closed”

  • Report any discrepancies to the bank immediately

HSBC RuPay Platinum Credit Card Helpline Number

For any assistance related to your HSBC RuPay Platinum Credit Card, you can contact the customer support team of HSBC Bank through the following channels.

Customer Care Numbers (India)

Availability

  • Premier Banking: 24×7 support

  • Personal Banking & Credit Cards: 6:30 AM to 8:30 PM

  • Emergency Services (lost card, fraud, blocking): Available 24×7

NRI & Overseas Support

Additional Support

  • Email and branch visit options are available for detailed queries

  • Always use your registered contact details while raising requests

Important Tips

  • Keep your registered mobile number and card details ready

  • Never share OTP, PIN, or CVV with anyone

  • Immediately report lost cards or suspicious transactions

  • Note your complaint reference number for tracking

FAQs

How can I make UPI payments using the HSBC RuPay Platinum Credit Card?

You can link the card to the HSBC Simply Pay app or any supported UPI platform. Once added successfully, UPI payments can be made easily by scanning QR codes or selecting UPI as the payment mode.

Yes, the card can be used for international purchases. However, foreign currency transactions attract a forex markup fee of 3.5%.

Cardholders can enjoy an interest-free window of up to 48 days, depending on the billing cycle.

The Amazon gift voucher remains valid for six months from the date it is issued.

Fuel transactions are not eligible for earning reward points on this credit card.