# HSBC Visa Platinum Credit Card

**Best for:** Frequent travelers seeking reward points

**Think twice if:** Rarely travels or uses credit cards

**Key strengths:** Earn 4X Reward Points on Flights · No joining or annual fees · 2000 Bonus Reward Points on signup

## Fees

- **Joining Fee:** Joining Fee - Nil
- **Annual Fee:** Renewal Fees - Nil
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 6X Reward Points on Hotels
- **Welcome Benefit:** Earn 2000 Bonus Reward Points

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