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HSBC · Lifetime Free Lineup

Best Lifetime Free Credit Cards from HSBC (2026)

Every HSBC credit card with ₹0 joining fee AND ₹0 annual fee forever — no spend-based waiver, no surprise renewal charges. 2 cards qualify as of 2026.

What "lifetime free" means here

₹0 joining fee + ₹0 annual fee forever, with no spend threshold required. We exclude "first-year free" cards that start charging from year 2. Each card's MITC clause has been verified before listing.

2 HSBC LTF cards available

HSBC

HSBC Cashback Credit Card

★★★★☆ 4.2

₹0 joining ₹0 annualReward: 1.5%Income: ₹30K/mo

Apply Now →Read review

HSBC

HSBC Platinum Credit Card

★★★★☆ 4.1

₹0 joining ₹0 annualReward: 2%Income: ₹40K/mo

Apply Now →Read review

Compare LTF cards across other banks

HDFC LTF →ICICI LTF →SBI LTF →Axis LTF →Kotak LTF →RBL LTF →IDFC FIRST LTF →SCB LTF →IndusInd LTF →YES LTF →Amex LTF →

All 110+ Indian cards →Cards without income proof →HSBC full lineup →