HSBC RuPay Platinum Credit Card

HSBC · Lifetime free

A free RuPay card that earns reward points on UPI payments.

What the bank says

• No joining and annual fees
• Earn 2 reward points for every INR150 you spend
• Earn reward points on credit card-linked UPI payments
• Convert reward points to air miles and hotel loyalty points in the HSBC app
• Save up to INR3,000 a year on fuel surcharges

Things that catch people out

• The card page does not say what a reward point is worth, so we cannot put a rupee figure on it yet.

Joining fee: ₹0. Foreign currency markup: not published.

Read from HSBC’s own page on 2026-09-16.

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