Get lifetime FREE HSBC Visa Platinum Card

My HSBC experience

Initially they offer free, later they put charges during renewal. If you misss this may impact your CIBIL. I have gone through the pain and decided never to use these cheaters

MITRAA wrote:

My HSBC experience

Initially they offer free, later they put charges during renewal. If you misss this may impact your CIBIL. I have gone through the pain and decided never to use these cheaters

you you don’t use the card for six months or so, they change it to paid card.

It can apply over card to card?
Coz i don’t have income proof so i only apply credit cards against credit card

What is apr?

available for selected cities only

Swaminatha wrote:

What is apr?

Annual Percentage Rate or simply the interest rate (annual)

Deal_Dunia wrote:

available for selected cities only

Current city of residence should be: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune

If I take credit card and dont use for 2-3 month, what would happen ?

+1 can someone confirm this please?

kool wrote:

If I take credit card and dont use for 2-3 month, what would happen ?

your due will be 0 for those months

kool wrote:

If I take credit card and dont use for 2-3 month, what would happen ?

Honestly i do it

I use a card extensively for 4-6 months then donot use for 2-3 months mostly am given credit of 250 bucks to re-use but endsure u do it once in 3-4 years cycle per card.

The introductory offers are valid on HSBC Visa Platinum Credit Cards from 01 July 2020 to 31 December 2020.???

Not the case for me

Have been using for 3yrs now .. still LTF for me. I use it very sparingly too

MITRAA wrote:

My HSBC experience

Initially they offer free, later they put charges during renewal. If you misss this may impact your CIBIL. I have gone through the pain and decided never to use these cheaters

true…

luciferous wrote:

Have been using for 3yrs now .. still LTF for me. I use it very sparingly too

i am also using it since last 2.5 years , no extra charges or yearly charges as of now

DealFinder wrote:

true…

Not true …… I hardly use it.
And have add-on card as well them … All free. I don’t mind, because they hardly have any offers.

TEMPER wrote:

your due will be 0 for those months

what about CIBIL score? interest rate ? any penalty ?

Worth it?
Many of the dimers are saying they will charge their customers after few months

I am the holder of this card since 4 years. Very good customer support, they are always willing to help you, it’s a toll free number too. They reversed my late payment fees very promptly on my request three times. Another good point is if you redeem your reward points towards charity, they will put equal amount as their part of contribution, it’s very heart touching to me. I never come across this good gesture from any of the other credit card service providers so far in my life.
It’s a life time free card too, so nothing we loose by taking this card.

MrKool_JJ wrote:

Worth it?
Many of the dimers are saying they will charge their customers after few months

May be if you don’t use at all even after 3-4 months. Not sure the exact time though. But it’s a decent LTF card and comes up with decent spend based campaigns which are complied always with mostly no follow-ups in getting the promised vouchers

waste card. No use. better go for hdfc ltf ones

kool wrote:

what about CIBIL score? interest rate ? any penalty ?

No CC company can ever put a penalty on you for Zero Dues. If no dues, then No interest. Cibil calculation is complicated, but I bet no one uses 100% of their limits for all CC anyway.

I have this card from 2012. It was a lifetime free card at that time and they have never charged any fees in last 8 years. I use it rarely only when offers are there like occasional offers on Bigbasket Amazon or flipkart.

Also rewards on achieving milestone spends few times. I also got free supplementary card which had 1000 cashback on 10000 expenditure in 3 months. This was last year.

So, go for it. Even if it is made chargeable in future they always inform before implementation and you can then cancel it.

krishfx wrote:

The introductory offers are valid on HSBC Visa Platinum Credit Cards from 01 July 2020 to 31 December 2020.???

Good catch. Has anyone tried to confirm with customer care regarding this if applying for the card now will still be eligible for the introductory offers?

Rejected twice for not being salaried category i guess…their first preference is towards salaried people and not self employed

Any referral benefit?

I stay in Bangalore but my address in Adhar card is of my hometown i.e. Bihar address. Am I eligible to apply?

Is there any additional offer by apply through any website? Like cashback etc?