Top 5 HSBC Credit Cards

Card NameAnnual Fee Best For
HSBC Visa Platinum Credit CardNilTravel
HSBC Smart Value Credit CardNilLifestyle & Cashback
HSBC Premier Mastercard Credit CardNilTravel & Lifestyle
Advance Visa Platinum Credit CardNilTravel
HSBC Cashback Credit CardRs. 750 (reversed on annual total spend above Rs. 1 LakhCashback & Shopping

 

Features 

  • Balance transfer facility: Balances in other bank cards can be transferred to HSBC Credit Card at a lower interest. Interest rate ranging from 10.99% to 15% depending on the tenure chosen.
  • Conversion to EMI: Big purchases made on the Credit Card can be converted in EMI and paid in instalments.
  • Instant replacement of lost card: You can use the Visa Global Assistance service or HSBC helpline and get the lost card cancelled and an emergency replacement card will be issued within 3 days anywhere in the world.
  • Loan against credit card: HSBC offers instant loan against Credit Card. An instant cash advance is available with minimum documentation.
  • Zero liability for lost cards: No liability for transactions made after reporting and registering the lost card to HSBC.

Benefits

  • Zero joining fees
  • Zero annual fees
  • Balance Transfer on EMI
  • Cash-on-EMI
  • Loan-on-Phone 
  • HSBC cards are enabled with VISA Paywave technology which allows contactless payments on credit card.

Eligibility

The following are the eligibility criteria for the different categories of HSBC Credit Cards:

Eligibility for HSBC Visa Platinum Credit Card

  • The age of the applicant should be between 18 and 65 years.
  • Minimum annual income should be Rs. 4,00,000 for salaried persons.
  • Applicant should be resident Indian residing in New Delhi, Gurgaon, Noida, Bangalore, Hyderabad, Chennai, Mumbai, or Pune.
  • The applicant should have a good credit score.

Eligibility for HSBC Smart Value Credit Card

  • The age of the applicant should be between 18 to 65.
  • Should have a regular source of income.
  • Applicant should be a resident Indian.
  • The credit score of the applicant should be good.

Eligibility for HSBC Premier Mastercard Credit Card

  • The card is offered only to Premier Customer. 
  • For the HSBC Premier relationship, the customer has to maintain a Total Relationship Balance of Rs. 4,00,000 quarterly.
  • The applicant should have a mortgage relationship with the disbursal of Rs. 1,15,00,000 or more with HSBC India or the applicant should have an account with a net monthly salary credit of Rs. 3 Lakhs under the HSBC Corporate Employee Programme.

Eligibility for HSBC Advance Visa Platinum Credit Card

  • This card is offered only to HSBC Advance Customers. 
  • To obtain the Advance Customer relationship, the customer has to maintain a Total Relationship Balance of Rs. 5,00,000 in a quarter.

Eligibility for HSBC Cashback Credit Card

  • Applicant must be aged between 18 to 65 years
  • Annual income of salaried applicants must be minimum Rs. 4,00,000 p.a. 
  • Applicant must be an Indian resident residing in Bangalore, Chennai, Hyderabad, Mumbai, Gurgaon, New Delhi, Noida, or Pune.

Documents

The documents required to apply for HSBC Credit Card are:

  • Recent passport-sized photograph (self-attested)
  • Latest salary slip/ salary certificate (self-attested)/ ITR/ Form 16: If you are an employee of Multinational Corporation (MNC)
  • If you own other Credit Cards, submit their copy of front & back along with your latest Credit Card statement.
  • Copy of your recent salary slip, bank statements of last 3 months showing salary credits (if you're a salaried person in a Private Limited Company).
  • PAN card/ Form 60
  • Copy of any one residence proof (self-attested):
  • Passport
  • Voter's/ Election ID
  • Permanent driving licence
  • Electricity/Telephone/Water bill or Gas bill (for pipeline connection only)
  • Society outgoing bill (from registered societies only)
  • Property tax bill
  • Municipal Corporation issued Domicile Certificate mentioning address
  • Registered rent or lease agreement (registered with state government/ similar registration authority)
  • Aadhaar card
  • Defence ID card
  • Government employee ID card
  • NREGA job card
  • Copy of any one identity proof (self-attested):
  • Passport
  • Voter's/ Election ID
  • Permanent driving licence
  • PAN card
  • Aadhaar card
  • NREGA job card

Fee & Charges

Type of chargeAmount
Financial charges on extended credit and cash advances3.3% p.m. from the date of the transaction
Duplicate statementRs. 100 for statement older than 3 months
Cheque bounce chargesRs. 350
Transaction fee for cash advance against your Credit Card2.5% of the transaction with a minimum of Rs. 300
Over limit feeRs. 500
Late payment fee50% of the minimum payment due with a minimum of Rs. 500 and a maximum of Rs. 750 per month.
Sales slip retrievalRs. 225 per month
Out of station cheque collection charges
  • Rs. 50 per instrument up to Rs. 10,000
  • Rs. 100 per instrument above Rs. 10,000 up to Rs. 1 Lakh
  • Rs. 150 per instrument above Rs. 1 Lakh
Credit Card replacement chargesRs. 100
Currency conversion charges for foreign currency charges3.5%
Balance enquiry on Credit Card in other bank ATMNil
Handling charges for the redemption of rewardsRs. 50 per redemption
Charges for cash payment made for the card at HSBC branches and HSBC drop boxRs. 100
Copy of credit information reportRs. 50

Balance Transfer: How to use the BT feature and what are the Benefits?

With HSBC’s Balance Transfer-on-EMI, you can transfer the balances in other bank cards to HSBC Credit Card at a lower interest ranging from 10.99% to 15%, depending on the tenure (3, 6, 9, 12, 18 and 24 months) chosen. There is a processing fee of 1% of the Balance Transfer value (minimum of Rs. 149) for this facility.

To opt for the facility, send SMS ‘BTR’ to 575750 and representative of HSBC will call you back.

HSBC Credit Card Reward Points

Name of the CardRegular Reward PointsSpecial Category Reward points
HSBC Visa Platinum Credit Card2 reward points for every spend of Rs. 150
  • 3X reward points on dining, hotel, and telecom transactions for the first 12 months from the date of issuance of the card.
  • 5X reward points on subsequent purchases made beyond Rs. 4,00,000 in a year up to a maximum of Rs. 10,00,000.
HSBC Smart Value Credit Card1 reward point for every Rs. 100 spent3X reward points on all spends online and spends on dining and telecom category with a cap at 1,000 incremental points per month.
HSBC Premier Mastercard Credit Card2 reward points for every Rs. 100 spentNo special category reward points
Advance Visa Platinum Credit Card2 reward points for every Rs. 150 spent.
  • 3X reward points for online purchases made on the card for the first 24 months from the date of issuance of the card.
  • 5X reward points for transactions made beyond Rs. 4,00,000 in a year up to a maximum of Rs. 10,00,000.

Bill Payment Options for HSBC Credit Card

The payment of the HSBC card can be made in the following ways:

  • Bill Desk: Payment through bill desk can be made by providing your HSBC Credit Card number, the amount, and the bank account through which you wish to pay. You will be directed to the payment interface of your chosen bank. Then enter the authentication details like Net Banking User ID and login password of your bank account. Confirm the payment amount. Your bank account will be immediately debited. You will receive the payment confirmation on your registered email address.
  • Internet Banking: You can make payment through your HSBC Internet Banking Account.
  • Auto-debit: You can give a standing instruction to debit your bank account for the Credit Card dues.
  • NACH: NACH is an online standing instruction form wherein you give the authorisation to debit your bank account for the Credit Card dues.
  • Cheque/Demand Draft: You can also make your credit payment vide cheque or demand draft.
  • NEFT: Credit Card payment can be made through NEFT also. You have to mention the Credit Card number in place of the beneficiary account number.

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HSBC Bank Credit Card FAQs

✅ How to apply for the HSBC Credit Card?

You can apply for the HSBC Credit Card through the official website of the bank or by visiting the nearest HSBC branch and submitting the required documents or through Phone Banking.

✅ What is the interest-free period for the HSBC Credit Card?

The interest-free period for the HSBC Credit Card is 52 days. This interest-free period is not applicable if the total dues are not cleared.

✅ What is the interest charged on the outstanding card dues?

Interest is charged at 3.3% p.m. on the outstanding amount in the statement.

✅ What are the eligibility criteria for the HSBC Credit Card?

The eligibility criteria for the HSBC Credit Card are:

  • The applicant should be in the age group between 18 years and 65 years.
  • The applicant should have a minimum annual income of Rs. 4 Lakhs.
  • The applicant should be a resident Indian.
  • The credit score of the applicant should be good (preferably 750 or above).

✅ What are the documents required for applying for the HSBC Credit Card?

The documents required to apply for the HSBC Credit Card are:

  • Recent passport-sized photograph (self-attested)
  • Income proof (self-attested)
  • If you own other Credit Cards, submit their copy of front & back along with your latest Credit Card statement.
  • PAN card/ Form 60
  • Copy of residence proof and identity proof (self-attested)

✅ What are the cash withdrawal charges for the HSBC Credit Card?

The cash withdrawal charges for the HSBC Credit Card are 2.5% of the transaction with a minimum of Rs. 300.

✅ What happens if the Credit Card is lost?

Report the loss of the card immediately by calling the bank's Customer Service. The existing card will be blocked and a new card will be issued and dispatched to your residence address recorded in the bank.

✅ What are the modes of payment of the Credit Card dues?

The Credit Card payment can be done through internet banking, mobile banking, by giving online auto-debit instructions, by cheque or demand draft, by cash, and through NEFT.