HSBC Platinum Credit Card: fee zero hai, shart eligibility me hai
Fee ke maamle me is card me koi chalaaki nahi — HSBC ke apne page pe joining fee INR0 aur annual fee INR0 likha hai, aur usi page pe saaf likha hai “No joining or annual fees”. Iska asli pench kharch me nahi, milne me hai: salaried logon ke liye saal ki income ₹6 lakh chahiye, self-employed ke liye ₹12 lakh, aur aap HSBC ke gine-chune 21 sheheron me se kisi ek me rehte hon. Poori list neeche hai.
- Joining fee INR0
- Annual fee INR0
- Reward rate 2 reward points per INR150
- Travel pe Up to 6X reward points
(Travel with Points se) - Fuel surcharge waiver INR250 tak / mahina
(txn INR400–INR4,000) - Fuel cashback INR250 — quarter me
INR10,000 contactless fuel pe - Income chahiye (salaried) INR6,00,000 / saal
- Income chahiye (self-employed) INR12,00,000 / saal
Kis ke liye theek hai
- Jo income aur sheher wali shart poori karta hai — ye sabse badi rukawat hai
- Jo reward points ko air miles me badalna chahta hai — Air India, Etihad, British Airways, Singapore Airlines
- Jo Times Prime aur MakeMyTrip jaise Visa Signature perks istemaal karega
- Jo petrol tap-and-pay se bharta hai — quarter me INR250 cashback bana rehta hai
Kis ke liye nahi
- Jo HSBC ke 21 sheheron ke bahar rehta hai — application hi aage nahi badhegi
- Jiski income shart se kam hai — salaried ₹6 lakh, self-employed ₹12 lakh
- Jo pakka cashback rate chahta hai — HSBC apne page pe 1 point ka rupaye value nahi likhta
- Jo lounge access dhoondh raha hai — HSBC ke is page pe Platinum ke saath lounge listed nahi hai
Fee: yahan koi chhupi shart nahi
HSBC ke apne Visa Platinum page pe seedha likha hai:
| Row | HSBC ka apna shabd |
|---|---|
| Joining fee | INR0 |
| Annual fee | INR0 |
| HSBC ki apni line | “No joining or annual fees” |
Koi “select channels” wala asterisk nahi, koi spend-based waiver nahi, koi “pehle saal free” wali chaal nahi. Hamari list ke 49 cards me se sirf 9 is test me paas hue — HSBC Platinum un me se ek hai.
Asli shart: eligibility
HSBC ke apne page se, apply karne ke liye:
- Salaried: umar 18–65, saal ki income kam se kam INR6,00,000
- Self-employed: umar 25–65, saal ki income kam se kam INR12,00,000
- Indian resident hona zaroori hai
- Aap in 21 sheheron me se kisi ek me rehte hon:
Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat, Trivandrum.
Yahi is card ka asli “catch” hai. Fee zero hone ki wajah se log ise “sabke liye” samajh lete hain. Asal me HSBC India ka network chhota hai aur ye card un sheheron ke bahar milta hi nahi. Apply karne se pehle apna sheher is list me dekh lijiye — warna waqt bhi jaayega aur credit report pe ek enquiry bhi lag jaayegi.
Reward rate — aur jo HSBC nahi batata
HSBC ke apne shabdon me:
- “Earn 2 reward points for every INR150 you spend with your card”
- “Earn up to 6 times the reward points on hotels, flights and car rentals through Travel with Points”
- Points ko air miles me badal sakte hain — Air India, Etihad Airways, British Airways aur Singapore Airlines — ya hotel loyalty points me, HSBC India Mobile Banking app se
Ek baat hum nahi likh sakte: HSBC apne is page pe ek reward point ka rupaye me value nahi batata. Iske bina “2 points per INR150” ka matlab percent me nikaalna andaaza lagana hoga — aur ye site andaaze pe number nahi likhti. Agar aapke liye ye aankda zaroori hai, to HSBC ke “How to earn and use reward points” section me ya card ke T&C me khud dekh lijiye.
Petrol pe do alag cheezein
Log inhe aksar mila dete hain, par ye do alag benefit hain:
- Fuel surcharge waiver: INR400 se INR4,000 tak ke fuel payment pe, INR250 tak per mahina
- Fuel cashback: INR250 — tab, jab aap quarter me INR10,000 ka contactless (tap and pay) fuel kharch karein
Welcome aur Visa Signature perks
HSBC ke apne page se, sharton ke saath:
- 2,000 reward points — HSBC India Mobile Banking app download karke log on karein aur pehle 30 din me kam se kam INR5,000 kharch karein
- 2 mahine ki EazyDiner membership — card activate karne pe
- INR500 tak ka voucher (Amazon Pay, Zomato ya Swiggy) — card ko ek hi INR300+ ke transaction se activate karne pe
- INR250 ka Amazon eGift Card — online apply karke video KYC poori karne pe
- 12 mahine ka Times Prime (Spotify Premium, Uber One, Discovery+, Moneycontrol Pro, Lenskart Gold waghera) — Visa Signature ke zariye
- MakeMyTrip: saal me 2 baar domestic flight pe muft seat selection, aur India ke hotel stays pe 15% cashback MakeMyTrip Wallet ke ‘My Cash’ me (promo code VISASIGNATURE)
- District by Zomato: dining, activities aur shopping pe 10% off, aur movie tickets pe buy-one-get-one
HSBC ne khud likha hai ki Visa Signature wale benefits Visa ke T&C pe depend karte hain aur badal sakte hain.
Chhoti par kaam ki baatein
- Zero liability: card khone pe misuse ka INR3,00,000 tak ka insurance — report karne se 24 ghante pehle tak
- Balance transfer: doosre card ka outstanding yahan transfer karke kam interest pe EMI me badla ja sakta hai
- Emergency card replacement duniya me kahin bhi
Jo log galat samajhte hain
- “Free hai to sabko mil jaayega” — income aur sheher ki shart hai.
- “6X matlab 6% milega” — 6X points hain, aur point ka rupaye value page pe nahi hai.
- “Fuel pe INR250 cashback har mahine” — wo quarter me hai, aur INR10,000 contactless fuel kharch pe.
- “Welcome points apne aap mil jaayenge” — app pe log on karna aur 30 din me INR5,000 kharch karna, dono zaroori hai.
- “Lounge milta hai” — HSBC ke is page pe Platinum ke saath lounge access listed nahi hai.
Isse milte-julte cards
Sirf ek card dekhkar faisla karna theek nahi. Hamari list me ye iske sabse kareeb hain — har ek ki apni page pe fees aur sharten alag hain, apply karne se pehle wo bhi dekh lena:
Card theek lagta hai? Apply HSBC ki apni website pe hoga.
HSBC Platinum apply kareinAksar poochhe jaane wale sawaal
Kya HSBC Platinum sach me lifetime free hai?
Haan. HSBC ke apne Visa Platinum page pe joining fee INR0 aur annual fee INR0 likhi hai, aur usi page pe 'No joining or annual fees' bhi likha hai. Koi spend-based shart nahi hai.
Is card ke liye kitni income chahiye?
HSBC ke apne page ke mutabik salaried logon ke liye saal ki income kam se kam INR6,00,000, aur self-employed ke liye INR12,00,000. Umar salaried ke liye 18-65 aur self-employed ke liye 25-65 saal.
Kaun se sheher me ye card milta hai?
HSBC ne 21 sheher list kiye hain: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat aur Trivandrum. In ke bahar rehne walon ko ye card nahi milta.
Reward rate kya hai?
HSBC ke apne shabd: 2 reward points for every INR150 spent, aur Travel with Points ke zariye hotels, flights aur car rentals pe up to 6 times reward points. HSBC apne is page pe ek reward point ka rupaye value nahi batata, isliye hum percent me koi number nahi likh rahe.
Petrol pe kya milta hai?
Do alag cheezein. Ek, fuel surcharge waiver INR250 tak per mahina, INR400 se INR4,000 tak ke fuel payment pe. Do, INR250 cashback jab aap quarter me INR10,000 ka contactless (tap and pay) fuel kharch karein.
Welcome benefit kaise milta hai?
2,000 reward points ke liye HSBC India Mobile Banking app download karke log on karna hoga aur pehle 30 din me kam se kam INR5,000 kharch karna hoga. Alag se, card ko ek INR300+ ke transaction se activate karne pe INR500 tak ka voucher milta hai.
Kahan se liya
- Joining fee, annual fee, reward rate, fuel benefits, welcome gifts aur eligibility — HSBC India: HSBC Visa Platinum Credit Card
Zaroori baat — ye padh lijiye
Ye page jaankari ke liye hai, financial advice nahi. Credit card ek loan product hai. Time pe pura bill na bharne par bahut mehnga padta hai aur CIBIL score bhi kharab hota hai. Koi bhi card lene se pehle uske Most Important Terms & Conditions khud padhiye.
Humne ye card khud istemaal nahi kiya hai. Upar jitne bhi figures hain — joining fee, annual fee, waiver ki shart, reward rate aur caps — wo HSBC ke apne dastavez se liye gaye hain aur upar link kiye gaye hain. Jahan hisaab lagaya hai wo hamara apna calculation hai, bank ka nahi. Bank kabhi bhi sharten badal sakta hai, isliye apply karne se pehle HSBC ki page pe aakhri baar khud check kar lijiye. Koi figure galat lage to bata dijiye, theek kar denge.
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