HSBC's Visa Platinum is one of the few lifetime free credit cards that still gives you genuine travel redemption options. Every ₹150 you spend earns 2 reward points, and those points convert directly into air miles with airlines like Air India, British Airways, Singapore Airlines, and Etihad. You can also transfer them to hotel loyalty programmes including Marriott, IHG, Accor, Shangri-La, and Wyndham. For a card with no fee at all, that is an unusually strong travel conversion lineup.The Travel with Points portal boosts your earn rate up to 6x on hotels, flights, and car rentals booked through HSBC's platform. This makes the card noticeably more rewarding if you channel travel bookings through the portal rather than booking directly. Gift card redemption is also available for those who prefer immediate value from their points.Visa Signature benefits are a nice bonus at this price point. You get a complimentary 12-month Times Prime subscription (which bundles Discovery+, JioHotstar, and Uber One), 2 free flight seat selections per year on MakeMyTrip, and 15% hotel cashback on MakeMyTrip bookings. The fuel benefits are practical too: a surcharge waiver of up to ₹250 per month on fuel transactions between ₹400 and ₹4,000, plus ₹250 cashback each quarter when you tap and pay for fuel.Eligibility is straightforward: 18 to 65 years old, Indian resident, ₹6 lakh annual income for salaried applicants, and residence in one of 18 eligible cities. HSBC also throws in zero liability insurance up to ₹3 lakh for card misuse, emergency card replacement worldwide, and balance transfer options at lower interest rates. The welcome offer gives you 2,000 reward points for spending ₹5,000 in 30 days, a 3-month Swiggy One membership, and an ₹250 Amazon eGift Card for online applicants who complete Video KYC.