|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|
|Advance Visa Platinum Credit Card||Nil||Travel|
|HSBC Cashback Credit Card||Rs. 750 (reversed on annual total spend above Rs. 1 Lakh||Cashback & Shopping|
Also read How To Use Credit Card in India.
Eligibility for HSBC Premier Mastercard Credit Card
Eligibility for HSBC Advance Visa Platinum Credit Card
Eligibility for HSBC Cashback Credit Card
|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|
Additional Reading: What is credit score?
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.
Additional Reading: How to Improve Cibil Score fast?
|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.|
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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 documents required to apply for the HSBC Credit Card are:
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 internet banking, mobile banking, by giving online auto-debit instructions, by cheque or demand draft, by cash, and through NEFT.