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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
HSBC · Visa

HSBC Visa 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
Visa

Why 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
CategoryRateCapCondition
Rent2 RP/₹150—2 RP / ₹150 on Rent
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Rent. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Education2 RP/₹150—2 RP / ₹150 on Education
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Education. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Insurance2 RP/₹150—2 RP / ₹150 on Insurance
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Insurance. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Utilities2 RP/₹150—2 RP / ₹150 on Utilities
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Utilities. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel spend excluded from reward points. Fuel surcharge waiver up to ₹250/month applies.
Groceries2 RP/₹150—2 RP / ₹150 on Groceries
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Groceries. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Dining2 RP/₹150—2 RP / ₹150 on Dining
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Dining. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Food Delivery2 RP/₹150—2 RP / ₹150 on Food Delivery
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Food Delivery. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Shopping2 RP/₹150—2 RP / ₹150 on Shopping
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Shopping. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Travel2 RP/₹150—2 RP / ₹150 on Travel
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Travel. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Government2 RP/₹150—2 RP / ₹150 on Government
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Government. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Wallet2 RP/₹150—2 RP / ₹150 on Wallet
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Wallet. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Railways2 RP/₹150—2 RP / ₹150 on Railways
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Railways. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
FASTag2 RP/₹150—2 RP / ₹150 on FASTag
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on FASTag. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Jewellery2 RP/₹150—2 RP / ₹150 on Jewellery
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Jewellery. IEMI excluded. Travel with Points & Unicorn are separate accelerators.
Telecom2 RP/₹150—2 RP / ₹150 on Telecom
Details
Status
Verified
Source
SRC-HSBC-PLAT-REWARDS
Issuer note
2 RP / ₹150 on Telecom. IEMI excluded. Travel with Points & Unicorn are separate accelerators.

“—” 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
Compare with another card →Read card guides →

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: Visa
  • 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 Visa Platinum rewards page; 2 RP/₹150 base, ₹0 fee, fuel surcharge waiver, IEMI excluded · SRC-HSBC-PLAT-REWARDS
HSBC tariff schedules and international transaction fee schedules · SRC-HSBC-FEE-SCHEDULE
HSBC Visa Platinum Credit CardLifetime free