If you’re looking for a lifetime free credit card that offers real value without the burden of annual fees, the HSBC Visa Platinum Credit Card might be exactly what you need. Whether it’s rewards, discounts, or financial flexibility — this card delivers. And now, through PickMyWork, you can apply for it easily and even earn by helping others apply too.
Let’s break down everything you should know before applying.
What Makes HSBC Visa Platinum Credit Card Special?
- Lifetime Free: No joining or annual fee — ever.
- Welcome Benefits Worth ₹2,250+: Includes Amazon vouchers, BookMyShow discounts, and more (on minimum spend conditions).
- 5X Rewards: Accelerated points on dining, hotels, and telecom categories.
- Up to 15% Dining Discount: At select partner restaurants across India.
- Fuel Surcharge Waiver: Save on every petrol pump visit (on transactions ₹400–₹4,000).
- EMI Option: Convert big spends into manageable EMIs at attractive rates.
- International Usage: Widely accepted abroad with global Visa network coverage.
Pros & Highlights – HSBC Visa Platinum Credit Card
| Benefit | Why it Matters |
| Zero Annual Fee | Truly lifetime free — no hidden renewal charges |
| Reward Points | Earn on every spend — 1 point per ₹150, 5X on select spends |
| Welcome Gift | Vouchers for Amazon/BookMyShow on first spends |
| EMI Flexibility | Convert purchases above ₹2,000 into EMIs |
| Fuel Surcharge Waiver | Save up to ₹250 per month on fuel |
| Global Acceptance | Use across 180+ countries and online platforms |
Things to Keep in Mind
| Consideration | What You Should Know |
| Minimum Income | Typically ₹4–5L p.a. required (varies by city/profile) |
| Limited Lounge Access | No complimentary domestic lounge visits |
| Spends Required for Welcome Gifts | Minimum spending thresholds apply in first 60 days |
| Offline Process | Some users may experience paper KYC or in-person verification depending on location |
Who Should Consider This Card?
✅ First-time credit card users
✅ Students and young professionals (with income proof)
✅ People looking for a no-fee backup card
✅ Anyone who wants a low-maintenance card with real rewards
How to Apply on PickMyWork
You can apply for this card by clicking on this link here (this link directly takes you to HSBC Application Page) – Apply Now
However, if you want to refer the card and earn money, sign up on PickMyWork App and Earn. Follow the below steps
- Download PickMyWork App – Download Link – Android, iPhone
- Sign-Up with your Mobile Number
- Go to credit card section. Search HSBC and you will find the card in drop down
- Complete onboarding by completing the Application process for the HSBC Visa Platinum Credit Card
- Track your application & earn upto INR3500 for successful referrals!
If you’re looking for a zero-cost credit card with a good mix of rewards and everyday savings, the HSBC Visa Platinum Card is one of the best choices in 2025. You save, earn rewards, and pay nothing in return — that’s a win-win.
Whether you’re applying for yourself or helping others apply through PickMyWork, this card delivers real value.
FAQs – HSBC Visa Platinum Credit Card
Is this card really lifetime free?
Yes, there’s no joining fee and no annual renewal fee — ever.
What’s the reward structure like?
You earn 1 point for every ₹150 spent, and 5X points on dining, hotels, and telecom expenses.
Can I get this card if I’ve never used a credit card before?
Yes, if you meet the income and document requirements.
How long does approval take?
Usually 3–7 working days after document verification.
Can I refer others and earn?
Yes! Through PickMyWork, you can refer this card to others and earn a commission for each successful application.
