HSBC Lifetime Free Credit Cards 2025
HSBC Lifetime Free Credit Cards offer a mix of luxury, savings, and ease of use. Designed to elevate the overall lifestyle of users, these cards embody the ultimate in financial freedom and elegance. Without the burden of initial joining or yearly fees, owning an HSBC Lifetime Free Credit Card opens doors to a realm where every expense brings along a series of rewards and special treatments. Grab an offer of Rs. 1,000 cashback voucher on applying for an HSBC Credit Card.
HSBC Lifetime Free Credit Card List 2025
Below is the HSBC lifetime free credit card list and also the best HSBC credit card lifetime free, whose annual fees can be waived on reaching a set spending milestone.
| Card Name | Annual Fee | Waiver/Reversal Condition |
| HSBC Visa Platinum Card | Nil | NA |
| HSBC Premier Mastercard | Nil | NA |
| HSBC RuPay Platinum Credit Card | Nil | NA |
| HSBC RuPay Cashback Credit Card | Rs. 499 | Waived on spending above Rs. 2 Lakhs a year |
| HSBC Live+ Credit Card | Rs. 999 | Waived on spending above Rs. 2 Lakhs a year |
| HSBC TravelOne Credit Card | Rs. 4,999 | Waived on spending above Rs. 8 Lakhs a year |
| HSBC Premier Credit Card | Rs. 20,000 | Maintain an average quarterly Total Relationship Balance of Rs. 4 Lakhs, a salary account with a net monthly salary credit of Rs. 30,000 or avail a mortgage relationship of Rs. 1,15,00,000 & total relationship balance of Rs. 40 Lakhs within 12 months from the date of first disbursement of the mortgage loan |
How Can I Apply for an HSBC Lifetime Free Credit Card Online?
You can opt for the option of HSBC credit card apply online lifetime free on their website.
- Visit the official website of HSBC India and go to the Credit Cards section.
- Click the "Apply Now" button to start your online application.
- Complete the application by filling out the online form with all the required information.
- Submit required documents such as proof of identity and residence, your PAN card, your latest salary slip/ income proof, etc.
Track your HSBC life time free credit card application through regular SMS alerts on your registered mobile number.
What Are the Benefits of HSBC Lifetime Free Credit Cards?
Some of the key HSBC lifetime free credit card benefits are as follows:
- Offers an Amazon eGift Voucher worth Rs. 100 when applying for the card online.
- Offers Rs. 500 cashback on downloading and logging in to the HSBC India mobile app and spending a minimum of Rs. 5,000 in the first 30 days of receiving the card.
- HSBC lifetime free credit card charges zero joining or annual fees.
- You can convert accumulated points into air miles with Air India, British Airways, Etihad Airways and Singapore Airlines.
- The card offers 2 reward points on spending every Rs. 150.
- On any purchase made after spending Rs. 4 Lakhs, the card offers 5X reward points (maximum 15,000 accelerated reward points) in an anniversary year.
- The HSBC free credit card offers a fuel surcharge waiver with an annual saving of up to Rs. 3,000.
- The card offers an insurance cover of Rs. 3 Lakhs for any misuse of your card within 24 hours of reporting the loss.
- The card offers other facilities, including balance transfer, cash advances, emergency card replacement, Google Pay facility and many more.
Eligibility Criteria of HSBC Lifetime Free Credit Card
If you meet the following eligibility criteria for HSBC lifetime free credit card apply online instantly through the bank’s website:
- The applicant must be a resident of India.
- The applicant must be aged between 18 to 65 years.
- The applicant must be earning an income of at least Rs. 4 Lakhs per annum (if a salaried individual).
- The applicant must reside in Delhi, National Capital Region (NCR), Bangalore, Noida, Chennai, Gurgaon, Hyderabad, Mumbai, Pune, Ahmedabad, Coimbatore, Kochi, Jaipur, Chandigarh, or Kolkata.
Documents Required for HSBC Lifetime Free Credit Card
To apply for an HSBC Lifetime Credit Card, you will need to submit the following documents:
- Identity and address proof
- PAN card
- Recent monthly payslip (if salaried)
- Last 2 years' Income Tax Return and 1 year's income proof (if self-employed)
- The bank may offer a life time free credit card without income proof also.
*The above-mentioned list of documents is for reference only. The bank may ask for additional documents during the application process.
FAQs on HSBC Lifetime Free Credit Cards
HSBC Visa Platinum Card, HSBC Premier Mastercard, and HSBC RuPay Platinum Credit Card are lifetime free HSBC credit cards.
HSBC Visa Platinum Card, HSBC Premier Mastercard, and HSBC RuPay Platinum Credit Card come with zero annual fees.
Yes, the HSBC RuPay credit card is free for life.
No, there are no hidden charges on HSBC Lifetime Free Credit Cards. All the charges are explained up front.
Yes, you can request a credit limit increase by contacting HSBC customer service. Approval will depend on your creditworthiness, repayment history, and HSBC's policies at the time.
HSBC Lifetime Free Credit Cards offer a range of benefits, including zero annual and joining fees, reward points on every spend, cashback offers, and exclusive discounts and privileges across various categories like dining, shopping, and travel. The exact benefits can vary based on the specific card type.
Reshma Rawat is a passionate writer, with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra, and writes blogs & webpages on financial products (loans, credit cards, insurance, financial policies by government, mutual funds, etc.
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