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HSBC Credit Cards
All 5 currently issued HSBC India credit cards compared — fees, reward rates, lounge access and who each card actually suits.
5Cards covered
NilLowest fee
4.5/5Top-rated card
Overview
Choosing the right HSBC card
HSBC's India lineup runs from two genuinely lifetime-free entry cards to TravelOne for flexible airmiles and an invite-tier Premier card with unlimited lounge access reserved for Premier banking customers. Use the grid below to open a full review of any card, or scroll down for a side-by-side comparison.
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Fee and rating comparison
| Card | Type | Joining fee | Rating | Best for |
|---|---|---|---|---|
| HSBC TravelOne | Credit Card | ₹4,999 + GST | 4.4/5 | Frequent flyers who want flexible airmiles transfers without needing an HSBC Premier banking relationship |
| HSBC Live+ | Credit Card | ₹999 + GST | 4.1/5 | Everyday urban spenders on food delivery, dining and groceries who want simple statement-credit cashback |
| HSBC Premier | Credit Card | ₹12,000 + GST | 4.5/5 | Existing HSBC Premier banking customers who travel internationally often and want unlimited lounge access |
| HSBC Visa Platinum | Credit Card | Nil | 3.9/5 | First-time cardholders who want a genuinely free card with straightforward rewards |
| HSBC RuPay Platinum | Credit Card | Nil | 3.8/5 | People who want a free RuPay card for UPI QR payments with some reward and travel-transfer flexibility |
Common questions
FAQs
How many credit cards does HSBC currently offer in India?
As of 2026, HSBC actively issues five credit cards in India: TravelOne, Live+, Premier, Visa Platinum and RuPay Platinum. Live+ was formerly marketed as the HSBC Cashback Credit Card before being rebranded.
Which HSBC card has the lowest fee?
Visa Platinum and RuPay Platinum are both lifetime free with no joining or annual fee at all, making them the most accessible cards in HSBC's India lineup.
Which HSBC card is best for airport lounge access?
HSBC Premier offers unlimited domestic and international lounge access plus 8 guest visits a year, but it's reserved for HSBC Premier banking customers. For the general public, TravelOne's 10 complimentary visits a year with no spend condition is the strongest option.
Is HSBC available in every Indian city?
No. HSBC issues credit cards only in its serviceable cities, mainly large metros and Tier-1 cities. Always confirm current availability for your city on the official HSBC India website.
Which HSBC card has the best reward rate for travel?
TravelOne is the strongest broadly available option, with flexible transfers to 20 airline and hotel partners at near 1:1 ratios. HSBC Premier's rates and unlimited lounge access are richer still, but only for existing Premier banking customers.
Which HSBC card is easiest to get the annual fee waived?
Visa Platinum and RuPay Platinum need no waiver since they're free for life. Live+ waives its ₹999 fee on ₹2 lakh annual spend, and TravelOne waives its ₹4,999 fee on ₹8 lakh annual spend.
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