HSBC MakeMyTrip Platinum
CancelFour hundred and ninety-nine rupees, two free base fares, and fifty-five hundred in vouchers.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: MakeMyTrip vouchers worth ₹5,500 plus two domestic flight-ticket vouchers waiving the base fare, on payment of the first year's fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until HSBC publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #949
Why #949 ₹499 that came back as ₹5,500 of MakeMyTrip vouchers and two free domestic base fares — one of the best year-one trades any Indian entry card has offered. Carried for the record; HSBC retired the MakeMyTrip pair years ago.
The take
The Platinum was the cheap rung of HSBC's MakeMyTrip pair and, read as a year-one transaction, it is one of the better trades any Indian entry-fee card has offered. ₹499 bought MakeMyTrip discount vouchers worth ₹5,500 — ₹750 against international return flights, ₹750 against four-star-plus properties, ₹1,500 against domestic holidays, ₹2,500 against international ones — plus two domestic flight-ticket vouchers that waived the base fare outright. Even discounting the vouchers heavily for the booking types they were tied to, the fee came back several times over on a single holiday. On spend it earned five reward points on every hundred rupees at MakeMyTrip and one and a half on every hundred elsewhere — the everyday rate matching HSBC's own house Platinum while the MakeMyTrip rate ran more than three times it. Push past ₹1,00,000 of spend in the first year and the membership anniversary added a third domestic base-fare waiver. Set against the Signature rung, the arithmetic is instructive: the Signature cost seven times as much, earned twice as much at MakeMyTrip before its Turbo tier and nearly three times as much elsewhere, and handed over seven base-fare waivers instead of two. For a household booking one or two holidays a year the Platinum was the better card by a wide margin; only above roughly ₹50,000 of annual MakeMyTrip spend did the Signature's Turbo tier start earning its ₹3,000 of extra fee. It is carried and not ranked because HSBC never published what a reward point redeemed for. The catalogue existed, the rate did not, and the in-app airline transfers that make HSBC's points worth something today arrived more than a decade after this card was withdrawn.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
HSBC publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 15 Aug 2026 HSBC zeroes the forex mark-up on every card it sells — for 32 days issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹499 returned ₹5,500 of MakeMyTrip discount vouchers plus two domestic flight-ticket vouchers waiving the base fare
- Five reward points on every ₹100 spent at MakeMyTrip, and one and a half on every ₹100 spent elsewhere
- Clear ₹1,00,000 in year one and the membership anniversary added a third base-fare waiver
- Vouchers split ₹750 international flights, ₹750 four-star-plus hotels, ₹1,500 domestic holidays, ₹2,500 international holidays
- Zero fuel surcharge
- Up to two additional cards for a spouse, parents, siblings or children
- Zero lost-card liability once the loss was reported to HSBC or the Visa Global Emergency Assistance helpline
Watch out
- WITHDRAWN — HSBC India retired the MakeMyTrip pair and its current shelf carries no OTA co-brand at all
- HSBC never published a rupee value for the reward points on this card: redemption was into a catalogue of MakeMyTrip cash vouchers and travel accessories, with no rate stated anywhere
- The points this card paid could not reach an airline programme — HSBC's 1:1 in-app transfers to Avios and KrisFlyer arrived with TravelOne more than a decade later
- The ₹5,500 of welcome vouchers were DISCOUNT vouchers split four ways by booking type, not ₹5,500 of spendable credit
- The everyday rate matched HSBC's own free Platinum card, so away from MakeMyTrip the ₹499 bought nothing extra
- ₹499 was payable before any of the welcome vouchers were issued
- The anniversary waiver required ₹1,00,000 of first-year spend
What these points actually fly
HSBC has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. HSBC India withdrew the MakeMyTrip co-brands and no longer lists them among its credit cards; the pages survive only in the Internet Archive.
HSBC publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 1 Sept 2026HSBC Live+ switches on its international lounge visit, and adds a 1GB global eSIM2 complimentary domestic lounge visits a year (one every 6 calendar months) and nothing international — HSBC's own footnote read "1 international visit per year will be available from 1 September 2026" → The same 2 domestic visits plus 1 international visit per CALENDAR year, claimed through a separate HSBC platform powered by Thriwe, and 1 complimentary 1GB global eSIM a calendar year (7 days, 98 countries) with 20% off every top-up
A dated benefit arriving on time is not news; what HSBC did around it is. The w.e.f. date was published in advance in the Live+ Service Guide — this desk read it there on 16 August — and as it landed HSBC rewrote the product page's own footnote, the `airport-lounge-live-plus` anchor in its dpws-footnotes.json, to drop the future tense and, for the first time, say HOW you get the visit: "To access your benefits, visit the dedicated platform powered by Thriwe." That matters more than the wording suggests. This is not a lounge network and not a card tap; it is a claim you make on hsbcliveplus.thriwe.com, and a benefit you have to go and fetch is a benefit a fair share of cardholders will never fetch. HSBC still names no network for either quota, domestic or international, which is why our lounge map carries the counts and no scheme. Riding in on the same rewrite, undated by HSBC and therefore logged here rather than on a date of its own: "1 Complimentary 1GB valid Global eSIM per calendar year, plus a 20% discount on every top-up. The 1GB pack will be valid for 7 days across 98 countries." Read the numbers before you rate it — one gigabyte, seven days, once a year. That is a long-weekend's maps and messages, not a roaming plan, and the honest framing is a taster that sells top-ups at a discount. On a ₹999 card HSBC reverses at ₹2,00,000 of spend it is still free money; it is just much less money than "complimentary global eSIM" sounds. Nothing in this changes what the card earns: the 10% capped at ₹1,200 a month, the 1.5% uncapped, the zero on international spend since 26 July 2026 and the 1.99% markup are all untouched.
- 1 Sept 2026HSBC's RuPay Platinum welcome suite lapses — ₹500 cashback, EazyDiner and the UPI ₹250 all end together
- 1 Sept 2026HSBC's RuPay Cashback welcome suite lapses — ₹500 cashback, EazyDiner and the UPI ₹250 all end together
- 31 Aug 2026HSBC's 0% forex window on the RuPay Cashback card closes
- 15 Aug 2026HSBC zeroes the forex mark-up on every card it sells — for 32 days
- 1 Jul 2026HSBC TravelOne guts its welcome offer for new applicants
- 1 Dec 2024HSBC TravelOne arrives — a 20-partner airmiles card
- 28 Nov 2023HSBC Premier Credit Card returns as a metal card
Every HSBC change we've dated → 9 events since 1987, 6 of them nerfs — worst year 2026.
Verified against HSBC's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official HSBC India's MakeMyTrip Platinum Credit Card page (archived 26-May-2012) — the two-tier accrual, the ₹499 fee, the ₹5,500 of vouchers and the anniversary base-fare waiver
- official HSBC India's later MakeMyTrip Platinum features page — the card still on the shelf in 2014, two years after the terms above
- official HSBC India's live Key Fact Statement — the seven credit cards HSBC sells in India today, priced side by side, and this one is not among them