HSBC India · Entry · lifetime free
RuPay Platinum
Where it ranks across all 187 cards
#9 Wallet load
1.2%
direct
#10 EMI
1.2%
direct
#11 Education
1.2%
direct
#30 Gaming
1.2%
direct
#31 Mobile / broadband
1.2%
direct
#35 Train tickets
1.2%
direct
#39 Other
1.2%
direct
#43 Cabs & transit
1.2%
direct
#43 Health & pharmacy
1.2%
direct
#48 Electronics
1.2%
direct
#55 Flights
1.2%
direct
#55 Hotels
1.2%
direct
#60 Groceries
1.2%
direct
#60 Fashion
1.2%
direct
#61 Online shopping
1.2%
direct
#61 Dining out
1.2%
direct
#62 Food delivery
1.2%
direct
#62 Movies & events
1.2%
direct
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Points valued at ₹0.89/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
1.19%base rate
2 pts / ₹150
source
Source: HSBC RuPay Platinum Credit Card - hsbc.co.in - read 30 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Utility bills, Government / tax, Rent, Jewellery & watches, Insurance, Fuel
earns nothing
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills, Government / tax, Rent, Jewellery & watches, Insurance, Fuel · MCCs: 4900, 9311, 6513, 6051, 4829, 5944, 5094, 6300, 5960, 5541, 5983, 5172, 5542, 5552, 6011, 6012, 6010
Source: HSBC Rewards T&C - Exclusion Criteria (HSBC Visa Platinum/ RuPay Platinum) - hsbc.co.in - read 1 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.