HSBC RuPay Platinum Credit Card – Benefits, Fees & Eligibility

Introduction

The HSBC RuPay Platinum Credit Card, issued by HSBC, is positioned as an entry-level to mid-range offering designed for everyday spending with the added convenience of UPI integration. Operating on the RuPay network, it also leverages the JCB network for international transactions. Key differentiating benefits include a zero joining and annual fee structure, the ability to earn reward points on UPI payments, a significant fuel surcharge waiver, and a variety of lifestyle discounts across dining, movies, and online shopping.

Welcome Benefits

• Receive INR500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR5,000 within 30 days of card issuance.
• Get an INR250 Amazon eGift Voucher when you apply online, verify yourself by video (VKYC), and receive your card. This offer is valid from January 1, 2026, to October 31, 2026. The voucher will be sent to your registered email ID within 45 days of the offer end (by December 15, 2026).
• Enjoy a 2-month EazyDiner membership upon activation of your RuPay credit card.
• Receive INR250 cashback when you link your card to UPI and make 2 transactions of INR250 or more within 30 days of card issuance.

Fees & Charges Breakdown

• Joining Fee: Nil
• Renewal Fee: Nil
• Fuel Surcharge Waiver:
  • Annual savings of up to INR3,000.
  • Applies to fuel transactions between INR400 and INR4,000.
  • Capped at INR250 per month.

Rewards & Cashback Structure

• Earning Rate: Earn 2 reward points for every INR150 spent with your card.
• UPI Payments: Earn reward points on credit card-linked UPI payments.
• Redemption Options: Instantly convert your accumulated reward points to air miles and hotel loyalty points using the HSBC India Mobile Banking app.

Travel, Lounge & Lifestyle Perks

• International Access: The card allows you to use ATMs and make payments in over 160 countries and regions worldwide, powered by the JCB network.
• Dining & Movies (District by Zomato): Save 10% on dining, activities, and shopping. Enjoy buy-one-get-one cinema tickets.
• Grocery Deliveries (Swiggy Instamart): Get 10% off on orders of INR500 and above (maximum discount INR200) by using the coupon code HSBCRUPAY.
• Global Discounts (JCB Network): Access exclusive discounts, offers, and experiences around the world through the JCB network.
• Travel Discounts (Cleartrip): Receive discounts up to INR6,000 on flights and hotels. Use coupon code HSBCRPCC for full swipe transactions and HSBCRPEMI for EMI transactions.
• Bill Payments (Paytm): Get 5% off transactions of INR299 or more (maximum discount INR150) using promo code HSBCRUPAY. This offer is applicable on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag, and electricity bills.
• RuPay Exclusive Offers: Benefit from a range of offers and discounts exclusively for RuPay cardholders across shopping, dining, and more.

Card Eligibility Criteria & Income Requirements

• Age:
  • Salaried individuals: 18 to 65 years old.
  • Self-employed individuals: 25 to 65 years old.
• Minimum Income:
  • Salaried individuals: INR600,000 per year.
  • Self-employed individuals: INR12,00,000 per year.
• Residency: Must be an Indian resident.
• Location: Must reside in one of the following cities: Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, or Surat.

Important Product Details

• The HSBC RuPay Platinum Credit Card is designed to offer rewards and privileges for everyday spending.
• It features seamless UPI integration, allowing users to link their credit card to UPI apps (like HSBC SimplyPay or other third-party apps) for quick and secure payments using QR codes, mobile numbers, virtual payment addresses, or account numbers with IFSC codes.
• The card operates on the RuPay network, an Indian card network, and provides international access through the JCB network.

Other Details

• The fuel surcharge waiver is subject to a monthly cap of INR250.
• The Amazon eGift Voucher welcome offer has specific terms, including an offer period from January 1, 2026, to October 31, 2026, and the voucher's validity for 6 months from its issuance date (which is within 45 days of the offer end, by December 15, 2026).
• Detailed terms and conditions, service guides, FAQs, and key fact statements for the credit card are available in PDF format for reference.