HSBC Bank Credit Card

• 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 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.

Also read How To Use Credit Card in India.

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.

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

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.