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CREDIT CARD DETAIL HSBC Platinum Credit Card Card Highlights Card Class Platinum/Titanium Card Type Premium Issuer HSBC Bank Offered Type Visa Rewards Lifestyle Main Features Welcome Gift Enhanced Reward Programs Air Miles Conversion Programs Exclusive Redemption Catalogue.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 1 month Interest Rate 2.75% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 6 month Interest Rate 0.75% per month (For 6 months at 0.75% p.m. (9% p.a.) or the Perpetual BT option}  Fees & charges   Fees & charges Joining Fee Rs 1999 Annual Fee Rs 3999 Add On Card Fee Rs.3999 Gift your loved ones (spouse, parents, brothers/ sisters, children) the freedom of spending by availing of upto 3 additional cards. Cash Advance Limit 40% of credit limit Note: Finance charge per month at the prevailing rate will also be applicable. Cash Advance Transaction Fee 2.5% of transaction amount (subject to a minimum of Rs.250) Finance charges on cash advances /extended credit 2.75% per month (33% per annum) computed from the date of transaction Penalty Interest Rate 2.75% per month (33% per annum). Late Payment 30% of minimum amount due (subject to a minimum of Rs 400 and a maximum of Rs.600 per month) Free Credit Period up to 52 days Limited Lost Card Liability Credit cardholders have zero lost-credit card liability after the loss of the credit card has been reported to the Bank in writing or to the VISA Global Emergency Assistance Helplines. However, you will be liable for all charges incurred on your credit card before you report the loss of your credit card. Over Limit Charges Rs.500 per month Cheque Pickup Fee Rs 35 Cheque Bounce Fee Rs 250 Outstation Cheque Processing Fee Rs 30 0.4% Non-Bank ATM Access / Balance Enquiry Charges 0.4% of cheque value (subject to minimum of Rs.30) plus postage at Rs 25 per cheque Balance enquiry on the credit card at other bank ATMs Rs 15 Duplicate Statement Request Charges Rs.100 per statement Emergency Replacement(when overseas) Rs 100 Charge Slip Request Rs 225 Fuel Surcharge 2.5% Foreign Currency Conversion Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits 2 points for every Rs 150 spent. Additional point for every Rs 150 spent internationally Reward points validity for 3 years You may redeem reward points for air mileage points with partner airlines: Jetairways, Singapore airlines and Kingfisher airlines For more info. Click Here  Airline   Airline: Airline Travel Benefits Get 50% off on full fare of Club World Business Class and World Traveller Plus Premier economy class on payment via HSBC Platinum Credit Card For more visit: http://www.hsbc.co.in/1/PA_1_1_S5/content/website/pdf/personal/platinum_privileges.pdf  Cash Back   Cash Back: Description HSBC and MakeMyTrip.com brings you travel gains wherein you can get upto 10% cashback* on airline tickets, hotels and holiday packages. * 3% cashback on all domestic airlines * 5% cashback on international airlines * 10% cashback on hotels and holiday packages  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility Yes Dial a Draft Facility No Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 1 million ATMs No. of ATMs (India) 1 million ATMs Insurance: Hospitalization Benefits No Credit Shield A life insurance cover for an amount of Rs.40,000 for Platinum credit cardholders with TATA-AIG Life Insurance Company Ltd. in the event of death due to non-accidental causes  Special Offers   Special Offers Platinum Travel Platinum Health Platinum Wellness  Eligibility Criteria   Eligibility Criteria  Salaried   Salaried: Annual Income Rs 1000000.00 Age Min.: 18 Yrs.   Max.:   Yrs. Documents Required Salaried in MNC - salary slip/ certificate Salaried in Private Limited Company - Latest copy of Salary Slip + last 3 months bank statements indicating salary credits As per regulatory regurement relevant proof of residence, identity and PAN card/ Form 60 will be required Documents Required - Holding Credit Card for over an year Photocopy of front and back of credit card and any one of last 3 months credit cards statements.  Self Employed   Self Employed: Annual Income Rs 1000000.00 Age Min.: 18 Yrs.   Max.:   Yrs. Documents Required Latest personal income tax returns and business card As per regulatory regurement relevant proof of residence, identity and PAN card/ Form 60 will be required Documents Required - Holding Credit Card for over an year Photocopy of front and back of credit card and any one of last 3 months credit cards statements  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS What to look for while taking a personal loan Haven’t filed a return of your income?... Effect of employment on loan eligibility... Get rid of your home loan faster The Home Loan Rate Pendulum