Verified — 16/16 categories
HSBC · RuPay
HSBC RuPay Platinum Credit Card
Best forRent & Education
Earns2 RP/₹150 on rent
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
RuPay
HSBC
HSBC RuPay Platinum Credit Card
RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on rent and education, where it earns 2 RP/₹150
- No annual fee
How you earn
Reward rates at a glance — exactly as recorded for this card.
Rent2 RP/₹150
Education2 RP/₹150
Insurance2 RP/₹150
Utilities2 RP/₹150
Groceries2 RP/₹150
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | 2 RP/₹150 | — | 2 RP / ₹150 on RentDetails
|
| Education | 2 RP/₹150 | — | 2 RP / ₹150 on EducationDetails
|
| Insurance | 2 RP/₹150 | — | 2 RP / ₹150 on InsuranceDetails
|
| Utilities | 2 RP/₹150 | — | 2 RP / ₹150 on UtilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 2 RP/₹150 | — | 2 RP / ₹150 on GroceriesDetails
|
| Dining | 2 RP/₹150 | — | 2 RP / ₹150 on DiningDetails
|
| Food Delivery | 2 RP/₹150 | — | 2 RP / ₹150 on Food DeliveryDetails
|
| Shopping | 2 RP/₹150 | — | 2 RP / ₹150 on ShoppingDetails
|
| Travel | 2 RP/₹150 | — | 2 RP / ₹150 on TravelDetails
|
| Government | 2 RP/₹150 | — | 2 RP / ₹150 on GovernmentDetails
|
| Wallet | 2 RP/₹150 | — | 2 RP / ₹150 on WalletDetails
|
| Railways | 2 RP/₹150 | — | 2 RP / ₹150 on RailwaysDetails
|
| FASTag | 2 RP/₹150 | — | 2 RP / ₹150 on FASTagDetails
|
| Jewellery | 2 RP/₹150 | — | 2 RP / ₹150 on JewelleryDetails
|
| Telecom | 2 RP/₹150 | — | 2 RP / ₹150 on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
2 RP/₹150 on rent
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap
Important to know
Limits and exclusions that change what you earn.
- No reward on: Fuel
Who should consider this card
✓ Good fit if
- Your spending is concentrated in rent, education, insurance
- You want a card with no annual fee
△ Less useful if
- Much of your spending is in fuel, which earn nothing
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 1 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Fuel — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to HSBC's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: RuPay
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap. GST is not waived.
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
HSBC RuPay Platinum rewards page; 2 RP/₹150 base, UPI reward earning, ₹0 fee, IEMI excluded · SRC-HSBC-RUPAY-PLAT-REWARDS
HSBC tariff schedules and international transaction fee schedules · SRC-HSBC-FEE-SCHEDULE