HSBCVisaLifetime FreeVISA Platinum Credit Card
3.9NeoFinQ editorial rating
Entry-level lifetime free card with travel benefits and dining discounts
- Reasonable fee
- Lounge access
- Travel rewards
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹19,500/yr
Our verdict
Good mid-range travel card from HSBC.
Perfect for
- Mid-range travel seekers
- HSBC customers
Not ideal for
- Premium seekers
Pros & cons
- Reasonable fee
- Lounge access
- Travel rewards
- Salaried only
- Mid-tier rewards
Rewards
2 Reward Points for every ₹150 spent (No expiry)
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 5% |
| Cashback | 3% |
Welcome offer
Amazon voucher worth ₹500 on first transaction of ₹1,000+; 3 complimentary airport lounge visits at domestic or international lounges or 3 meal vouchers within first 60 days on minimum spend of ₹50,000.
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 2 complimentary domestic airport lounge visits per quarter (only if ₹50,000 is spent in the previous calendar month)
More benefits
- Welcome Bonus: Amazon voucher worth ₹500 on first transaction of ₹1,000+; 3 complimentary airport lounge visits at domestic or international lounges or 3 meal vouchers within first 60 days on minimum spend of ₹50,000.
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
| Fee waiver | Waived on ₹3 lakh annual spend |
| Waiver threshold | Spend ₹3L/yr |
Eligibility
Min. income (annual)
₹4L
Employment
Salaried
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