I had received multiple calls from HSBC to have free upgrade to platinum but never agreed to them and continued with my Gold Card.
If your yearly usage is 1.5L or above for gold card then you will be expempted from membership fee. This year also my membership fee was charged and reverted automatically. I have been using this card from last 6 years. Note that 1.5L limit has not been mentioned official.
One of good offer of HSBC was fuel surcharge waiver. But that is removed from 1st Feb and there is no more waiver so pay cash at petrol pumps:)
Incase if you agree for platinum card then get ready to pay membership fee but get benefit of fuel surcharge waiver.
Around 1year back I did not received statement due to courier problem and ended up paying interest, penalty was waived off. Even though not my fault still I was penalize and my money was robbed.
=
Not using HSBC as they have stopped providing Fuel waiver, Shifted to HDFC creditcard. My card has been changed to lifetime.