Overview
“Looking for a truly lifetime-free credit card? HSBC Visa Platinum offers 5% cashback, fuel surcharge waiver & more! Read our honest review before you apply.”. Further, there are welcome offers (T&C apply) –
- Get a ₹250 Amazon e-gift voucher upon completing the application process and video KYC.
- Spend ₹5,000 within the first 30 days of card issuance to earn ₹500 cashback.
Key Features
- Lifetime Free Card: No annual or renewal fees – ever!
- Reward Points: Earn 2 reward points on every ₹150 spend
- Accelerated Reward Points: 5X the reward points on any purchase made after spending ₹4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
- Welcome Benefits: Get Amazon pay worth ₹250 and ₹500 cashback when you spend ₹5,000 within 30 days.
- Insurance Cover (T&C apply): You’ll get insurance coverage for any misuse of your card from 24 hours before reporting it lost, up to ₹300,000.
Pros
✔️Lifetime Free – No annual or joining fees.
✔️Movie offer – Buy one get one free at Bookmyshow upto₹ 250 per month (Only Saturday)
✔️Miles Partners – Decent conversion rate for partners like Air India, Singapore Airlines etc.
Cons
❌No complimentary Lounge Access
❌High forex markup –3.5% + GST
❌Average reward rate
Who Should Get This Card?
- Shoppers who love earning reward points on spend
- Anyone looking for a lifetime-free credit card with solid perks.
Eligibility
- Annual income of ₹4 lakhs or more
- Minimum age to apply is 18 years.
- Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata
Final Verdict
This is a good card for people who want a fuss free life-time free card. Sometimes, many brands give bank specific offers, and for that it is good to have the HSBC card in the portfolio.
Rating: ⭐⭐⭐⭐☆ (4.1/5)
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The HSBC Visa Platinum Credit Card is a solid lifetime-free option for those looking for basic benefits without any annual fee burden. The welcome offers (₹250 Amazon voucher + ₹500 cashback on ₹5,000 spend) make it attractive initially, and the BookMyShow Buy 1 Get 1 free on Saturdays adds value for movie lovers. However, the high forex markup (3.5% + GST) and the lack of lounge access limit its appeal for frequent travelers. The reward structure is average, with accelerated points kicking in only after ₹4 lakh annual spend. Overall, it’s a decent secondary card to keep for occasional bank-specific offers and everyday shopping rewards.
Yes, this being on the virtue of LTF can be good choice.