{
  "id": "hsbc-visa-platinum-card",
  "locale": "en",
  "name": "HSBC Visa Platinum Credit Card",
  "bank": "HSBC",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "2 Reward Points / ₹150 spent · Air India, Etihad, British Airways & Singapore Airlines miles conversion · BookMyShow movie vouchers",
  "bestFor": "Starter credit card users seeking a zero-fee global bank credit card with air miles redemption",
  "officialLink": "https://www.hsbc.bank.in/credit-cards/products/visa-platinum/",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.66,
  "affiliateId": "hsbc-visa-platinum-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HSBC India — HSBC Visa Platinum Credit Card official schedule of charges and MITC",
    "HSBC Platinum Rewards Program — Lifetime Free terms, 2 pts/₹150 & airline partner conversion ratio"
  ],
  "feeWaiver": "Lifetime Free with zero joining or annual maintenance fees",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Welcome Gift",
      "value": "Amazon vouchers + BookMyShow movie passes on activation"
    },
    {
      "key": "Base Reward Rate",
      "value": "2 Reward Points / ₹150 spent"
    },
    {
      "key": "Air Miles Transfer",
      "value": "Air India, British Airways, Singapore Airlines, Etihad"
    },
    {
      "key": "Dining Offer",
      "value": "Up to 15% off across partner restaurants"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹4,000"
    }
  ],
  "earnRates": [
    {
      "category": "All Domestic & International Retail Spends",
      "rate": "2 Points / ₹150 (0.66% return)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,333 Points (~₹666 value)"
    },
    {
      "category": "Utility Bills & Government Spends",
      "rate": "2 Points / ₹150",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,333 Points (~₹666 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [
    {
      "channel": "All Retail Purchases",
      "multiplier": "1×",
      "rate": "2 Points / ₹150",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Earn 2 reward points per ₹150 across online and offline transactions."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Frequent Flyer Air Miles (Air India, Etihad, BA, SIA)",
      "value": "₹0.50 to ₹1.00 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Shopping & Dining Vouchers",
      "value": "₹0.25 to ₹0.35 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel transactions (eligible for surcharge waiver only).",
    "ATM cash withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.75% per month (45.0% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹4,000 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "18 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Net Income",
      "requirement": "₹20,000+ per month (Salaried) or ₹3L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "700+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}