HSBC offers a wide range of credit cards making sure the customers get the perks they want. There are multiple types of credit cards available by HSBC that offer rewards and cashbacks in categories such as online spends, dining, fuel etc. HSBC credit cards are offered to the salaried and self employed individuals and most come at zero joining and annual fees. While that is a sound-good part already, let us know more about the credit cards by HSBC.
Types of Fees and Charges | Amount |
Joining/Annual Fees | Depends of different credit cards |
Charges on extended credit line | Ranges from 23.88% per annum (1.99% per month) to 35.88% (2.99% per month) |
Cash advance limit | As stated in monthly card statement |
Charges on extended cash advances | 39.6% per annum (3.3% per month) |
Over limit | Rs 500 per month |
Late payment | 50% of minimum amount due |
Currency conversion for foreign transactions | 3.5% |
Redemptions of rewards | Rs 50 per redemption |
Why Choose HSBC Credit Card?
Listed below are some important features and benefits of credit cards by HSBC Bank. These features and benefits of HSBC credit cards vary across different types of credit cards the bank offers. You can walk through the list and see what you are getting offered here:
- Covers Range of Needs and Wants
HSBC credit cards offer a wide range of benefits covering different needs and wants. These cards provide rewards and cashbacks on dining, fuel, shopping, entertainment, travel etc. for which the bank has different types of credit cards curated keeping in mind these areas.
- Cashback and Rewards
Each HSBC bank credit card provides some amazing rewards program points programs. These reward points programs treat users with reward points on different categories including food, shopping, entertainment, travel and fuel.
Apart from the reward points benefit. The HSBC credit cards also come with a bunch of offers to earn cashbacks. These cards allow you to get cashback making spends in different categories such as dining, shopping etc. online and offline.
- EMI Facility
HSBC credit cards make it convenient for users to pay off the bills by providing them the EMI facility. You can convert your HSBC bank credit card transactions into monthly installments and make it smooth to pay off the credit card bills. These installments are available for 3, 6, 9 and 12 months.
- Convenient Process
The entire process of applying for the HSBC credit card is fast and smooth. Given that you meet the eligibility criteria and have all the documents required for the application, you can easily get the process online or offline quickly.
Features & Benefits of HSBC Credit Cards
1. HSBC Cash back Credit Card
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Joining Fee | NIL |
Renewal Fee | Rs 750; Waiver applicable after the spends of Rs 1 lakh |
Joining bonus |
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Features & benefits
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2. HSBC Visa Platinum Credit Card
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Joining Fee | NIL |
Renewal Fee | NIL |
Joining bonus |
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Features & benefits
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3. HSBC Advance Visa Platinum Credit Card
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Joining Fee | NIL |
Renewal Fee | NIL |
Joining bonus |
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Features & benefits
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4. HSBC Visa Smart Value Credit Card
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Joining Fee | NIL |
Renewal Fee | Rs 499 per year |
Joining bonus |
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Features & benefits
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5. HSBC Premier Master Card
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Joining Fee | NIL |
Renewal Fee | NIL |
Joining bonus | |
Features & benefits
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Eligibility Criteria for HSBC Credit Cards
Here is the eligibility criteria for top HSBC credit cards.
Card Variants | Income (Annual) | Description |
Cashback Card | Rs. 4 Lakh | Available in Delhi, Gurgaon, Noida, Hyderabad, Mumbai, Pune, Chennai, Bangalore and Kolkata |
Visa Platinum Card | Rs. 4 lakh | Available for salaried employee |
Advance Visa Platinum Card | Rs. 5 lakh | applicant must have an HSBC account |
Visa Smart Value Card | Rs. 3 lakh | Available for the residents of Delhi, Gurgaon, Noida, Hyderabad, Mumbai, Pune, Chennai, Bangalore and Kolkata. |
Premier Master Card | Rs. 5 lakh | card is only offered to the HSBC premier customers |
Documents Required to Apply for HSBC Credit Cards
You need to present certain documents that are needed when applying for a credit card from HSBC bank. Below are listed all the documents required to get a HSBC credit card.
Documents | Salaried Individuals | Self Employed Individuals |
Identity Proof | Aadhar Card, PAN Card, Passport, Driving Licence, Voter’s ID Card, National Rural Employment Guarantee Act (NREGA) Card | Aadhar Card, PAN Card, Passport, Driving Licence, Voter’s ID Card, National Rural Employment Guarantee Act (NREGA) Card |
Address Proof | Aadhar Card, PAN Card, Passport, Driving Licence, Voter’s ID Card, Water Bill, Electricity Bill, Property Tax Bill, Government Employee ID Card, Registered Society Outgoing Bill | Aadhar Card, PAN Card, Passport, Driving Licence, Voter’s ID Card, Water Bill, Electricity Bill, Property Tax Bill, Registered Society Outgoing Bill |
Income Proof | Salary Slips, Form 160 | Latest Income Tax Returns |
Others | Passport-size photos | Passport-size photos |
How to Apply for a HSBC Credit Card
You can apply for a HSBC credit card either online or offline. Here is the way to do that:
Apply Offline : To apply for a HSBC credit card offline, you can call the bank on their customer service number and enquire about the process and eligibility.
Apart from that, you can also visit the nearest HSBC bank branch and fill in the application form.
Apply Online : Applying for a HSBC credit card online is an easy and fast way to get the process done. When applying online, you get an instant eligibility check and approval if you meet the eligibility criteria. Besides, the process is paperless which makes the application process convenient.
In order to apply for a HSBC credit card online, you can visit the official website of HSBC. All you have to do there is simply select the credit card you wish to apply for and fill in the necessary details and hit the Apply button.
How to Pay HSBC Credit Card Bill
You have multiple options for making the HSBC credit card payments. Thanks to a variety of options in online and offline modes, paying off the HSBC credit card bills is not a hassle.
Here are the ways to you can pay HSBC credit card bills:
- Cash
- Cheque
- NEFT
- Online Banking
- Standing Instructions
- Electronic Clearing Service
- Phone Banking
How to Contact HSBC Bank
Here are ways to reach the bank in case of any query or complaint:
Customer helpline: 1860 108 7788, 1860 500 2277
FAQs
1. What if I lose my credit card?
If you have lost your HSBC credit card, you should immediately contact the customer helpline of the bank and report the lost card. You will be issued a new credit card which will be dispatched to your address.
2. Can I upgrade my HSBC credit card? How Can I do that?
Yes, you can get your HSBC credit card upgraded. However, the approval depends on the eligibility criteria designed by the bank. You can send a request to the bank via customer service or email to upgrade your credit card.
3. Are there any charges on crossing the credit limit on my HSBC credit card?
Yes. You have to pay a certain overlimit fee if you exceed the available credit limit.
- Why Choose HSBC Credit Card?
- Features & Benefits of HSBC Credit Cards
- 1. HSBC Cash back Credit Card
- 2. HSBC Visa Platinum Credit Card
- 3. HSBC Advance Visa Platinum Credit Card
- 4. HSBC Visa Smart Value Credit Card
- 5. HSBC Premier Master Card
- Eligibility Criteria for HSBC Credit Cards
- Documents Required to Apply for HSBC Credit Cards
- How to Apply for a HSBC Credit Card
- How to Pay HSBC Credit Card Bill
- How to Contact HSBC Bank