HSBC Credit Card Apply
HSBC offers a variety of lifetime free credit cards tailored for the requirement of all categories of customers. The cards are loaded with amazing features & benefits, including zero joining & annual fees, attractive cashback and credit limits. You can apply and get offer of Rs 1000 cashback voucher *.
Apply NowOn HSBC BANK website
Top Selling HSBC Credit Cards
HSBC Visa Platinum Credit Card
Joining Fee :Lifetime free
Annual Fee :Lifetime free
Best suited for :
- Movie
- Dining
- Travel
4.5
Customer Rating
Why this card
No joining or annual fees
Why this card
No joining or annual fees
On HSBC BANK Website
HSBC Premier Credit Card
Joining Fee :₹ 12,000 + GST
Annual Fee :₹ 20,000 + GST
Best suited for :
- Rewards
- Travel
- Lounge Access
4.0
Customer Rating
Why this card
Reward points that never expire
Why this card
Reward points that never expire
On HSBC BANK Website
HSBC Bank Smart Value Credit Card
Joining Fee :Lifetime free
Annual Fee :Lifetime free
Best suited for :
- Cashback
- Rewards
4.5Customer Rating
Why this card
Enjoy Zero joining and annual fees.
Why this card
Enjoy Zero joining and annual fees.
On HSBC BANK Website
Written by Reshma Rawat |
Edited by Abhijeet Singh
Updated On: Jul 10, 2024
Best HSBC Credit Cards
| Card Name | Annual Fee | Best For |
|---|---|---|
| HSBC Visa Platinum Credit Card | Nil | Travel |
| HSBC Smart Value Credit Card | Nil | Lifestyle & Cashback |
| HSBC Premier Mastercard Credit Card | Nil | Travel & Lifestyle |
| HSBC Advance Visa Platinum Credit Card | Nil | Travel |
| HSBC Cashback Credit Card | Rs. 999/- (reversed on annual total spend above Rs. 2 Lakh | Cashback & Shopping |
| HSBC Premier Credit Card | Rs. 20,000 (waived for Premier-qualified customers) | Lifestyle |
HSBC Credit Card Features
- Balance transfer facility: Balances in other bank cards can be transferred to HSBC Credit Card apply 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 on 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.
HSBC Credit Cards Benefits
HSBC Credit Cards apply now and enjoy the benefits mention below:
- 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.
HSBC Credit Cards 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.
HSBC Credit Cards Documents Required
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 charge | Amount |
|---|---|
| Financial charges on extended credit and cash advances | 3.3% p.m. from the date of the transaction |
| Duplicate statement | Rs. 100 for statement older than 3 months |
| Cheque bounce charges | Rs. 350 |
| Transaction fee for cash advance against your Credit Card | 2.5% of the transaction with a minimum of Rs. 300 |
| Over limit fee | Rs. 500 |
| Late payment fee | 50% of the minimum payment due with a minimum of Rs. 500 and a maximum of Rs. 750 per month. |
| Sales slip retrieval | Rs. 225 per month |
| Out of station cheque collection charges |
|
| Credit Card replacement charges | Rs. 100 |
| Currency conversion charges for foreign currency charges | 3.5% |
| Balance enquiry on Credit Card in other bank ATM | Nil |
| Handling charges for the redemption of rewards | Rs. 50 per redemption |
| Charges for cash payment made for the card at HSBC branches and HSBC drop box | Rs. 100 |
| Copy of credit information report | Rs. 50 |
HSBC Credit Card Reward Points
| Name of the Card | Regular Reward Points | Special Category Reward points |
|---|---|---|
| HSBC Visa Platinum Credit Card | 2 reward points for every spend of Rs. 150 |
|
| HSBC Smart Value Credit Card | 1 reward point for every Rs. 100 spent | 3X 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 Card | 2 reward points for every Rs. 100 spent | No special category reward points |
| Advance Visa Platinum Credit Card | 2 reward points for every Rs. 150 spent. |
|
Additional info: Check the HSBC Credit Card Reward Points in detail.
HSBC Credit Card Payment
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.
Additional info: Check the HSBC Credit Card Bill Payment in detail.
HSBC Credit Card FAQs
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.
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.
Interest is charged at 3.3% p.m. on the outstanding amount in the statement.
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).
Document required to apply for the HSBC Credit Card are:
- Income proof (Salary slip)
- PAN card/ Form 60
- Copy of residence proof and identity proof (self-attested)
The cash withdrawal charges for the HSBC Credit Card are 2.5% of the transaction with a minimum of Rs. 300.
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.
The Credit Card payment can be done through UPI (most popular), internet banking, mobile banking, by giving online auto-debit instructions, by cheque or demand draft, by cash, and through NEFT.