HSBC Visa Platinum Credit Card

Yes, as a no-fee card for everyday spends: it costs nothing to keep. The catch: earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments.

Yes. The bank's fee schedule shows no joining fee and no annual fee.

No. Only RuPay credit cards can be linked to UPI, and this isn't one.

No complimentary airport lounge access listed for this card

No points on fuel, utility bills (electricity, gas, water), rent and property payments, insurance, school and college fees, government and tax payments, wallet loads, jewellery, money transfers, cash advances and quasi-cash, bail payments, card fees, disputed transactions, or purchases converted to EMI at checkout. Rent payments also carry a 1% fee. Points are counted on each ₹75 you spend, with the remainder carried to your next purchase. HSBC goes by the merchant's category code.

The extra points on flights, hotels and car rentals booked through HSBC's Travel with Points portal are capped at 18,000 a calendar month. The normal 2 points per ₹150 have no cap.

The bank publishes a minimum income of ₹50,000 a month for salaried applicants. Self-employed people can apply: Income of at least ₹12 lakh a year; age 25-65; resident in one of HSBC's 21 listed cities. Salaried: age 18 to 65, income at least ₹6 lakh a year. Self-employed: age 25 to 65, income at least ₹12 lakh a year. You must be an Indian resident living in one of 21 cities: Ahmedabad, Amritsar, Baroda, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi NCR, Gurgaon, Hyderabad, Indore, Jaipur, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, Noida, Pune, Surat or Trivandrum. Approval is at HSBC's discretion. Approval is at the bank's discretion.