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HSBC Bank
A genuinely lifetime-free rewards card whose points convert straight into air miles across fifteen travel partners.
One-time
Zero renewal fee
Uncapped rewards
Score 750+
Applying takes you to HSBC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
1 reward rate with their own caps, 3 recorded limitations, and every figure below traced to a source.
See where each figure came fromEverything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2% on Everything else — 2 Reward Points for every ₹150 of eligible retail spend, online or offline, with no stated cap.
Biggest limitation
2 Reward Points per Rs. 150 is a modest base rate, and the value depends entirely on which airline or hotel programme the points are transferred to.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2 pts
uncappedEverything else
2 Reward Points for every ₹150 of eligible retail spend, online or offline
Points transfer to 15+ partners including Air India, Air France, Marriott, Accor and Shangri-La.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | Lifetime free — no joining fee and no annual fee, with no minimum spend to keep it. |
| Add-on card | Nil joining fee for add-on cardholders, per HSBC MITC | — |
| Cash withdrawal | 2.5% | 2.5% of transaction amount, minimum ₹500 per transaction |
| Late payment | 100% of Minimum Payment Due, subject to a minimum of ₹250 and maximum of ₹1,200 per statement cycle | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹750
of one-time welcome value, on top of what you earn
Every year after
No fee, ever
the rewards simply continue
Not offered on this card.
1% waiver. A fuel surcharge waiver applies at fuel stations, subject to HSBC's transaction limits. HSBC publishes no per-cycle cap for this card.
Linkable to UPI. This is a RuPay card, so it can be linked to a UPI app and used for scan-and-pay at merchants.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹750
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
None
no spend milestones are recorded
₹500 cashback for downloading the HSBC India Mobile Banking app and spending ₹5,000 within 30 days of issuance.
Only on ₹5,000 of spend within 30 days. Miss it and the benefit does not arrive.
₹250 Amazon eGift Voucher for applying online, completing video KYC and receiving the card.
No spend milestones are recorded.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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| HSBC RuPay Platinum Credit Card · this card | Lifetime free | 2% everything else | No |
| HSBC TravelOne Credit Card | ₹5,899 | Up to 4 reward points per ₹100 | Included |
| HSBC Taj Credit Card | ₹1,10,000 | Up to 5 reward points per ₹100 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 2% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. This is a RuPay card, so it can be linked to a UPI app and used for scan-and-pay at merchants.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions No Reward Points on cash advances, fees/charges, EMI conversions and disputed transactions No Reward Points on utilities, tax payments, real estate, non-financial institutions, money transfers, jewellery, insurance, fuel, e-wallet loading, education and government services (MCC-based exclusions), per HSBC MITC
HSBC Bank publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Points transfer to 15+ partners including Air India, Air France, Marriott, Accor and Shangri-La.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
HSBC RuPay Platinum Credit Card — 2% on everything else. No annual fee.