LIFETIME FREE RuPay 📡 Contactless NFC

HSBC RuPay Platinum Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Everyday UPI users looking for a Lifetime Free virtual companion card earning rewards on UPI scan-and-pay with Swiggy Instamart discounts and movie ticket savings.

Who Should Avoid

Users looking for physical metal cards or heavy international travel benefits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Instant virtual card issuance with immediate UPI linking on Google Pay, PhonePe, Paytm, and CRED

Rewards on Retail & RuPay UPI

Earn 2 Reward Points per ₹150 on retail spends and UPI QR scan-and-pay transactions.

BOGO Movie Tickets via District

Buy 1 Get 1 free movie ticket via District by Zomato (up to ₹200/month).

10% Off on Swiggy Instamart

Save 10% up to ₹200 on Swiggy Instamart grocery orders of ₹500+ with code HSBCRUPAY.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹150 spent on regular retail and RuPay UPI transactions (0.33% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10% instant discount up to ₹200 on Swiggy Instamart orders (min spend ₹500); Buy 1 Get 1 free on movie tickets via District by Zomato (up to ₹200/month); Up to 6X points on Travel with Points

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: 1:1 Air Mile Transfers (KrisFlyer, British Airways, Air France/KLM), HSBC Travel with Points Bookings, Brand Vouchers & Electronics Catalog

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Jewellery 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: None (Unconditional complimentary access)

⚡ 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✓ Supported (RuPay)

2 Reward Points per ₹150 on eligible merchant RuPay UPI QR transactions

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 Limit18 - 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 RuPay Platinum Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹50,000 All HSBC Bank Credit Cards Lounge Access Credit Cards RuPay UPI Credit Cards Lifetime Free Credit Cards Best RuPay Credit Cards

Frequently Asked Questions

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