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HSBC Platinum Credit Card

HSBC Platinum Credit Card


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HSBC Bank Credit Cards

HSBC is a multinational banking and financial services company has around 4000 offices in 70 countries. It is the world’s sixth largest public company according to the composite measure by Forbes magazine. HSBC Bank provides tailor made products to satisfy each and every customer requirement which can clearly be seen in their credit card offers.

Types of Credit Cards Offered by HSBC Bank

HSBC Bank offers multiple types of credit cards like

Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by HSBC Bank in this category are.

HSBC Platinum Card

With HSBC Platinum Credit Card you can earn 2 reward points per Rs. 150 spent. You can earn EXTRA points when you shop at participating EXTRA partners that can be redeemed for gifts. You can also get 15% in major cities at participating restaurants which makes this card a great option.

Why choose HSBC Bank Credit Cards

HSBC Bank provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.

Apply for HSBC Bank Credit Card

Knowing the need of the customer and making it comfortable for them HSBC Bank provides multiple ways by which an individual can apply for a credit card.

Apply for HSBC Bank credit card online

HSBC Bank Website

You can go to HSBC Bank website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you make sure your card application is not rejected and thus your credit score is not affected.

HSBC Bank Credit Card Eligibility and Documentation


There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are

AgeMinimum 21 years
Maximum 65 years
Employment TypeSalaried or Self-employed
Employment statusEmployed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum IncomeThis varies from card to card, but minimum salary required is Rs.3 lakhs per annum
Credit ScorePreferred 750

These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.


The documentation required for an HSBC Bank Credit Card is very simple and straightforward. You will require the following:

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

HSBC Bank Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you

1. Sign on bonuses: Some of the credit cards from HSBC Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your HSBC Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your HSBC Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some HSBC Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

HSBC Bank Credit Card FAQ

1. What is the eligibility criteria for getting a HSBC Bank Credit Card?

You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.

2. How to do HSBC Bank credit card bill payment?

You can pay the bill on the HSBC Bank website by logging into their internet banking portal or you can download their mobile app which also has the option of HSBC credit card bill payment. The offline method is where you can pay your bill at any HSBC Bank branch.

3. Why was my HSBC Bank credit card application rejected?

It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact HSBC Bank credit card customer care for further information.

4. How can I check my credit card usage?

You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.

About CreditMantri

CreditMantri pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free.

Click here to sign up and apply for loans and credit cards, the CreditMantri way!

How to Apply for HSBC Credit Card?

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A credit card, also known as plastic money, allows you to borrow money to pay for something you want or need! Be it buying your favourite gadget or a round trip ticket to France. And later you are responsible for paying that money back to the bank. A credit card is a safe and secure way to make purchases. And with these purchases, you get reward points that can be redeemed later. HSBC, a multinational banking and financial services company, offers platinum and smart value cards apart from the usual master and visa card. You can earn reward points on these cards almost every time you use them to make a purchase. Once you have earned the reward points, you can redeem them for gifts under various categories. You can use an HSBC card around the globe to get unique benefits like bonus air miles, travel, shopping, and hotel discounts, waiver of surcharge on fuel purchase, loan facility, free credit facility and a lot more. Thinking of applying for an HSBC credit card? You can apply through CreditMantri. But before you apply, it is better you check your credit score. Knowing your credit health helps you make informed credit decisions. Check your credit score for free at CreditMantri. Follow us on Facebook: Twitter: Instagram: LinkedIn: Pinterest: Download App: "For reviews about CreditMantri and write your reviews, click here If you have any queries related to our services, you can log in to CreditMantri and write under the 'Need Help' section and we will get back to you immediately. #Apply HSBC Credit Card #HSBC Credit Cards #Free HSBC Credit Cards #Apply Credit Card Online
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