HSBC Visa Signature Credit Card
The HSBC Visa Signature was a ₹1,499 premium rewards card earning 5 reward points per ₹100 on dining, travel and online shopping (≈1.25% value), with 2 complimentary domestic lounge visits per quarter, golf access and the annual fee waived at ₹4 lakh spend. Note, though, that HSBC India no longer offers it as a standalone card — Times Prime and other Visa Signature privileges are now folded into the LIFETIME-FREE HSBC Visa Platinum, issued on the Visa Signature network for eligible customers. This entry is kept for existing holders and context. New applicants should take the free Platinum for the same Visa Signature perks, or the HSBC TravelOne for premium travel value with transferable miles.
View HSBC Platinum Credit Card →
Key features
What this card is built to do — the highlights that actually matter.
1.25% on Dining
5 reward points per ₹100 on dining
1.25% on Online Shopping
5 reward points per ₹100 on online shopping
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹1,499 + 18% GST (₹1,769 all-in)/yr fully waived when you spend ₹4,00,000/year
Golf Privileges
Complimentary golf rounds at select courses
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 1.25% | — |
| Online Shopping | reward points | 1.25% | — |
| Travel | reward points | 1.25% | — |
| Other | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Forex markup | 2% |
Perks & benefits
Estimated annual value beyond rewards — ~₹7,600/yr in total.
️ lounge access ~ ₹4,000 /yr
2 complimentary domestic airport lounge visits per quarter
golf ~ ₹3,000 /yr
Complimentary golf rounds at select courses
fuel waiver ~ ₹600 /yr
1% fuel surcharge waiver
Should you get it?
Best for: Existing HSBC account holders wanting a rewards card, Professionals spending ₹30,000–₹50,000/month on dining and travel, Users who hit ₹4L annual spend for fee waiver
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Dining ( 1.25% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- 5 reward points per ₹100 on dining, travel, and online shopping
- 2 complimentary domestic lounge visits per quarter
- Annual fee waived at ₹4L spend
- Golf access at select courses
- 1% fuel surcharge waiver
✕ Cons
- Points not transferable to airline or hotel programmes
- 2% forex markup — not for heavy international use
- Weaker earning on non-accelerated categories (2 RP/₹100)
Eligibility & documents
Min. income
₹50,000 /mo
What your HSBC Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption — the floor. HSBC points redeem best by transfer, not cash
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern No longer offered as a standalone product, and points have no airline/hotel transfer partners — the free Platinum or the TravelOne are the live alternatives.
The bottom line
Chasing this card down today doesn't make much sense: HSBC has retired the standalone Visa Signature, and the Times Prime membership plus its other signature-tier perks now live on the free Platinum. Existing holders still have a capable earner — 5X on dining, travel and online spending. Anyone starting fresh, though, is better served by the Platinum (same benefits, zero cost) or the TravelOne if transferable miles matter more.
Sources & verification
Fees, reward rates, and benefits for the HSBC Visa Signature Credit Card are taken from HSBC 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
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