HSBC
HSBC Platinum Credit Card
Data Verified
Last checked: 1 Mar 2026Best for aspirational travelers who want a free card that earns transferable airline miles to premium international carriers.
HSBC's lifetime-free rewards card offering 2 reward points per ₹150, with 5X accelerated points above ₹4 lakh annual spend. Points can be transferred to airline miles (British Airways, Singapore Airlines, Air India, Etihad) at competitive rates.
ShoppingRewardsAirlinesTravel
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
1%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"HSBC Platinum is a hidden gem. At ₹0 annual fee, it offers what most paid cards don't — transfer to British Airways Avios, Singapore Airlines KrisFlyer, Air India Miles, and Etihad Guest at competitive rates. The 5X accelerator above ₹4L annual spend rewards loyal users. Buy 1 Get 1 movies on BookMyShow adds weekly entertainment value. HSBC's premium service quality is a cherry on top. Verdict: Best free card for building international airline miles."
Key Privileges
Welcome Benefit₹500 Amazon gift voucher on online application + 2000 bonus RP on ₹5K spend in 30 days
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹4 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹4 lakh per annum
- EmploymentSalaried/Self