LIFETIME FREE Visa 📡 Contactless NFC

HSBC Platinum Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Apply & Earn ₹800 →

⚖️ Card Verdict & Target Persona

Who Should Apply

First-time applicants and salaried professionals looking for a trustworthy Lifetime Free card with BOGO movie tickets, dining perks, and travel point redemptions.

Who Should Avoid

High spenders looking for 10% online cashback or unlimited airport lounge access.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹800 directly upon successful card approval.

Claim ₹800 & Apply →

🎉

Joining & Activation Welcome Gift

Amazon Pay gift voucher worth ₹500 + 3 complimentary Postcard Hotel dining vouchers upon spending ₹10,000 in first 30 days

Up to 6X Rewards on Travel

Earn 2 Reward Points per ₹150 on retail spends and up to 6X points on hotel, flight, and car rental bookings via Travel with Points.

BOGO Movie Tickets

Buy 1 Get 1 free movie ticket via BookMyShow on Saturdays (up to ₹250 per ticket, max ₹500/mo).

Lifetime Free Credit Card

Unconditionally Lifetime Free credit card with zero joining and renewal charges.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹150 spent on all other eligible retail transactions (0.33% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

Up to 6X Reward Points (12 points per ₹150, 2.0% return) on hotel, flight, and car rental bookings made through Travel with Points; Buy 1 Get 1 free on BookMyShow (up to ₹250/ticket on Saturdays); Up to 15% dining savings via Live+ Dining program

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: 1:1 Air Mile Transfers (KrisFlyer, British Airways Executive Club, Air France/KLM Flying Blue), Travel with Points Bookings via HSBC India Mobile App, Brand Vouchers & Electronics Catalog

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Spends Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar year (max 1 per half-year)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹10,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹50,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.75% per month (45.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the HSBC Platinum Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

Apply & Claim ₹800 →

Personalized Card Matcher

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Frequently Asked Questions

Yes, the HSBC Platinum Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

HSBC Platinum Credit Card Lifetime Free (₹0)