HSBC RuPay Platinum Credit Card Review
A fee-free RuPay card built for UPI-linked everyday payments, with reward points that can still be converted across 15+ airline and hotel partners.
Quick facts
Like the Visa Platinum, there is no joining or annual fee for as long as the account remains active and in good standing.
Fees and reward rates
An Amazon gift voucher and complimentary EazyDiner membership on activation, plus limited-period co-branded offers with Swiggy, Tira, Paytm and Cleartrip.
| Charge | Amount |
|---|---|
| Joining fee | Nil |
| Annual/renewal fee | Nil (lifetime free) |
| Interest-free period | Up to 48 days |
| Forex mark-up | 3.5% of transaction value |
| Spend category | Reward rate |
|---|---|
| Most retail spends via card or UPI | Standard reward points; excludes utilities, tax payments, jewellery, insurance, fuel, e-wallets, education and government transactions |
What else you get
Link the card to HSBC Simply Pay or other eligible UPI apps for QR-code payments
Reward points transferable across 15+ airline and hotel partners including Air India, AirAsia, British Airways, Accor, Marriott and Shangri-La
Complimentary EazyDiner membership on activation
48-day interest-free period on purchases
Eligibility
| Criteria | Requirement |
|---|---|
| Age | 18 to 65 years (salaried), 25 to 65 years (self-employed) |
| Income (salaried) | ₹6 lakh annual income and above |
| Income (self-employed) | ₹12 lakh annual income and above |
| Credit history | Reasonable credit history; positioned as an accessible entry-level card |
| Residency | Resident of Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow or Nagpur |
HSBC issues credit cards only to residents of its serviceable cities — mainly Delhi NCR, Mumbai, Bengaluru, Chennai, Hyderabad, Pune, Kolkata and other large metros — confirm current city availability and exact fee terms on the official HSBC India website before applying.
Verdict
What works
- Genuinely free for life while still earning transferable travel points
- UPI linking makes it usable for everyday QR payments, unlike most credit cards
- 15+ airline and hotel transfer partners is unusually generous for a free RuPay card
- Useful starter card for building credit history with no ongoing cost
What to watch for
- No rewards on fuel transactions
- Long list of excluded categories including utilities, tax payments and insurance
- 3.5% forex mark-up applies on the rare occasion you'd use a RuPay card internationally
- No airport lounge access
FAQs
Can I use the HSBC RuPay Platinum card for UPI payments?
Is the HSBC RuPay Platinum card really free?
Does the RuPay Platinum card earn rewards on fuel?
Can I transfer RuPay Platinum points to airlines?
Compare more HSBC cards
See the full HSBC India lineup on SearchLocally.in.