HSBC Visa Platinum Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, converted at ₹0.4 a point: the lowest redemption value HSBC India documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Utility bills
• Government payments
• Education fees
• Rent
• Money transfers
• Jewellery
• Insurance premiums
• Fuel
• Cash withdrawals and fees
• Wallet loads
• EMI conversions

Fees

• Annual fee: none
• Joining fee: none
• Foreign-currency markup: 3.5%

Where this comes from

Transcribed from HSBC India's own documents and checked against them on 27 August 2026:

• hsbc.bank.in
• hsbc.bank.in (PDF)
• hsbc.bank.in (PDF)
• hsbc.bank.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HSBC India's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Other HSBC India cards

Every card we have rules for