HSBC Visa Platinum Credit Card - Lifetime Free with Rewarding Benefits

The HSBC Visa Platinum Credit Card is a lifetime free credit card offering a range of benefits tailored for individuals seeking value and rewards in their daily transactions. With no joining or annual fees, this card provides an attractive proposition for those looking to maximize their spending power without incurring additional costs.

Key Features and Benefits

1. Reward Points Program

• Standard Rewards: Earn 2 reward points for every ₹150 spent on the card.

• Accelerated Rewards: After annual spending exceeds ₹4,00,000, earn 5X reward points on subsequent purchases, capped at 15,000 accelerated points per anniversary year.

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2. Air Miles Conversion

Convert accumulated reward points into air miles with leading airlines:

• Air India: 2 reward points = 1 Air India mile

• Singapore Airlines: 2 reward points = 1 KrisFlyer mile

• British Airways: 2 reward points = 1 Avios mile

• Etihad Airways: 2 reward points = 1 Etihad Guest mile

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3. Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with annual savings up to ₹3,000.

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4. Welcome Benefits

• Amazon eGift Voucher: Receive a ₹100 Amazon eGift Voucher upon online application and successful video verification.

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• Cashback Offer: Get ₹500 cashback on spending at least ₹5,000 within the first 30 days of card issuance.

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5. Additional Benefits

• Zero Liability for Lost Cards: Insurance coverage up to ₹3,00,000 for unauthorized transactions 24 hours prior to reporting card loss.

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• Emergency Card Replacement: Global card replacement within 3 days in case of loss.

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Eligibility Criteria

• Age: Between 18 and 65 years.

• Income: Minimum annual income of ₹4,00,000 for salaried individuals.

• Residency: Indian residents residing in specific cities including Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata.

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Fees and Charges

• Joining Fee: Nil

• Annual Fee: Nil

• Finance Charges: 3.3% per month (39.6% per annum)

• Foreign Currency Markup: 3.5% + GST (~4.1%)

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Application Process

Applying for the HSBC Visa Platinum Credit Card is straightforward:

1. Online Application: Complete the online application form.

2. Video KYC: Verify your identity through a video KYC process.

3. Approval and Dispatch: Upon successful verification, the card will be dispatched to your registered address.

For more details and to apply, visit the official HSBC website.

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Frequently Asked Questions

Q: Does the HSBC Visa Platinum Credit Card offer airport lounge access?

A: No, this card does not provide complimentary airport lounge access.

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Q: Do reward points expire?

A: Yes, reward points are valid for three years from the date of credit.

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Q: Is the card available to self-employed individuals?

A: Generally, the card is offered to salaried individuals. However, exceptions may be made for self-employed individuals with an existing HSBC savings account and a high balance.

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Q: How can I redeem my reward points?

A: Reward points can be redeemed for vouchers across various categories or converted into air miles with partner airlines.

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Q: What is the credit limit on the HSBC Visa Platinum Credit Card?

A: The credit limit varies based on individual creditworthiness, income, and other related factors.

For a comprehensive list of benefits and to apply, visit the official HSBC website.

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Keywords: HSBC Visa Platinum Credit Card, lifetime free credit card, reward points, air miles conversion, fuel surcharge waiver

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