HSBC RuPay Platinum Credit Card
- Updated On: 7 April, 2026
The RuPay Platinum Credit Card is a recent addition to HSBC’s card portfolio. This is a lifetime free offering, meaning it comes with zero joining and annual charges, and offers 2 Reward Points/₹150. The Reward Points earned with this card can be transferred to several popular airlines and hotel partners such as Air India, Marriott, Air France, and Accor. While it doesn’t offer premium perks like lounge access or milestone benefits, it supports UPI payments and can be a great card for those beginning their credit card journey.
What makes this card particularly unique is its RuPay network compatibility, allowing it to be linked with UPI apps like PhonePe, Google Pay, and Paytm for seamless digital transactions. Even those looking for a lifetime free HSBC Credit Card for various bank offers or presale events can apply for this card.
HSBC RuPay Platinum Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2 Reward Points/₹150 Spent
Welcome Benefits
₹500 Cashback on Logging in to the HSBC India Mobile Banking App and 2 Month EazyDiner Membership
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
2 Reward Points/₹150 Spent
Reward Redemption
Transfer Reward Points to Various Hotel/Airline Partners
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
Surcharge Waiver Up to ₹3,500 Each Year
Cash Advance Charges
2.5% of the Advance Amount, Subject to a Minimum of ₹500
Product Details
- The HSBC RuPay Platinum Credit Card is quite similar to the HSBC Visa Platinum Credit Card.
- This card can be used to make UPI transactions.
- Earn 2 Reward Points/₹150 spent.
- Reward Points can be transferred to several hotel and airline loyalty programs such as Marriott, Accor, Air France, and Air India.
Pros/Cons
Pros
This is a lifetime free credit card which comes with zero joining and annual charges.
Cons
Unlike the HSBC Visa Platinum Credit Card, this RuPay Credit Card lacks milestone benefits.
Welcome Benefits
Although this card comes with no joining fees, it still offers several welcome benefits.
- Get ₹500 cashback on spending ₹5,000 within 30 days of logging in to the HSBC India Mobile Banking app.
- Receive a ₹100 Amazon eGift voucher when you apply online, complete video KYC, and get your card.
- Enjoy a 2-month complimentary EazyDiner membership on activation of the RuPay credit card.
Reward Points Earning
Earn 2 Reward points for every ₹150 spent using your card. Instantly convert your reward points to air miles and hotel loyalty points through the HSBC India Mobile Banking app.
| Programme | Conversion Ratio |
| Air India Maharaja Club | 2:1 |
| Flying Blue | 2:1 |
| The British Airways Club | 2:1 |
| Etihad Guest | 2:1 |
| Singapore Airlines KrisFlyer | 2:1 |
| Qantas Frequent Flyer | 2:1 |
| United MileagePlus | 3:1 |
| Vietnam Airlines Lotusmiles | 2:1 |
| Turkish Airlines Miles&Smiles | 4:1 |
| ALL – Accor Live Limitless | 2:1 |
| IHG One Rewards | 2:1 |
| Marriott Bonvoy | 2:1 |
| Shangri-La Circle | 10:1 |
This list may be changed from time to time.
Exclusions for Reward Points Earning
With the HSBC RuPay Platinum Credit Card, no Reward Points are earned on transactions made in specific categories such as utilities, tax payments, real estate, non-financial institutions, money transfers, jewelry purchases, insurance, fuel, financial institutions, e-wallet loading, bail and bond payments, and education or government services. These exclusions are based on Merchant Category Codes (MCCs) and also apply to cash advances, fees/charges, and disputed transactions.
Eligibility
To qualify, individuals must meet the following criteria:
- Be between 18 and 65 years of age.
- Minimum annual income of ₹400,000 for salaried individuals.
- Be a resident of India.
- Reside in one of the following cities: Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata.
Bottom Line
The HSBC RuPay Platinum Credit Card is a straightforward credit card, most useful for redeeming HSBC bank offers and converting Reward Points to various hotel and airline partners. This card doesn’t offer any fancy privileges or features. It is a lifetime free offer with a simple reward rate of 2 Reward points for every ₹150. Those who are looking to apply for an HSBC Credit Card and make UPI payments can apply for this card. Apart from this, the HSBC RuPay Cashback can also be used to make UPI payments.
FAQs:
Is the HSBC RuPay Platinum Credit Card lifetime free?
Yes, the HSBC RuPay Platinum Credit Cards come at zero joining and annual charges.
Are there any airport lounge access options with this card?
No, the HSBC RuPay Platinum Credit Card doesn’t offer any domestic or international lounge access.
4 comments
Anilks3
attached card to Paytm and while paying electric bill, noted 18& “card charges” in the amount breakup
Abhishek Chatterjee
It’s not 18% charges, but I don’t remember the exact amount — approx 2% convenience fee on paying using credit card and with CC UPI payment mode, up to 3% convenience fee, only on electricity bill payments on Paytm app.
I think you got confused with the 18% GST that is applied on the convenience fee.
Anilks3
No information about Card usage charges (paid 18% while paying Electricity bill). Why is that not covered beforehand in all info providing venues? What kind of transactions attract such charges if not all?
Kartik Kanwar
How did you pay your bill that you had to pay 18% card charges. Not possible.