HSBC CREDIT CARDS

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

HSBC Cash back CardKey Highlights: No joining fees, 1.5% cashback on online spends, 15% discount on dining at partner restaurants, Cashback on converting transaction into EMI
Joining Fee NIL
Renewal Fee Rs 750; Waiver applicable after the spends of Rs 1 lakh
Joining bonus
  • Up to 20% (Worth Rs 250) discount on orders on Swiggy.
  • 2 free visits to domestic and international airport lounges.
Features & benefits

  • You do not need to pay any joining fee for HSBC Cashback credit card.
  • As a joining perk, you get 2 free access to Airport lounges (domestic and international ) or Rs 400 meal vouchers at restaurants in airports. This benefit is available on making 1st transaction within 60 days.
  • If your annual spend crosses Rs 1 lakh, the annual fee of Rs 750 will be waived.
  • The HSBC Cashback credit card offers 1.5% on online spends and 1% on the others.
  • This credit card also offers cashback on conversion of spends into EMI.

2. HSBC Visa Platinum Credit Card

HSBC Visa Platinum CardKey Highlights: No joining fees, No annual fees, Fuel Surcharge Waiver, 15% discount on dining at partner restaurants, Movie vouchers
Joining Fee NIL
Renewal Fee NIL
Joining bonus
  • Up to 20% (Maximum Rs 250) discount on Swiggy.
  • 2 free visits to domestic and international airport lounges.
Features & benefits

  • You do not need to pay any joining and annual fees for HSBC Visa Platinum credit card.
  • As a joining perk, you get 2 free access to Airport lounges (domestic and international ) or Rs 400 meal vouchers at restaurants in airports.
  • This credit card offers fuel surcharge waiver, maximum Rs 250/month, on transactions ranging between Rs 400 to Rs 4000 at petrol pumps across India.
  • You get an entertainment voucher of up to Rs 500 on spends of Rs 50, 000 and more. The vouchers are capped at worth Rs 3000 per month.

3. HSBC Advance Visa Platinum Credit Card

hsbc advance visa platinum cardKey Highlights: No joining fees, No annual fees, Fuel Surcharge Waiver, 15% discount on dining at partner restaurants, Movie vouchers
Joining Fee NIL
Renewal Fee NIL
Joining bonus
  • Up to 20% (Maximum Rs 250) discount on Swiggy.
  • 2 free visits to domestic and international airport lounges.
Features & benefits

  • You do not need to pay any joining and annual fees for HSBC Visa Platinum credit card.
  • As a joining perk, you get 500 points if you successfully update your contact details.
  • This credit card offers fuel surcharge waiver, maximum Rs 250/month, on transactions ranging between Rs 400 to Rs 4000 at petrol pumps across India.
  • You get an entertainment voucher of up to Rs 500 on spends of Rs 50, 000 and more. The vouchers are capped at worth Rs 3000 per month.
  • You also get up to 20% 0ff on dining at over 500 restaurants across the major cities.

4. HSBC Visa Smart Value Credit Card

HSBC Visa Smart Value CardKey Highlights: No joining fees, No annual fees, Fuel Surcharge Waiver, BookMyShow e-voucher, 10% cashback worth Rs 1000
Joining Fee NIL
Renewal Fee Rs 499 per year
Joining bonus
  • Up to 20% (Maximum Rs 250) discount on Swiggy.
  • 105 cashback (Maximum Rs 1000) on the spends totalling Rs 5000 minimum
Features & benefits

  • You do not need to pay any joining and annual fees for HSBC Smart Value credit card.
  • As a joining perk, you get 2 free access to Airport lounges (domestic and international).
  • Get 10% cashback on your spends totaling at least Rs 5000 within first 60 days. The maximum cashback is Rs 1000.
  • You also get 3x rewards on your spends in dining, telecom and online categories.

5. HSBC Premier Master Card

HSBC Premier Master CardKey Highlights: No joining fees, No annual fees, Fuel Surcharge Waiver, 15% discount on dining at partner restaurants, BookMyShow movie vouchers, Gold Privileges
Joining Fee NIL
Renewal Fee NIL
Joining bonus
Features & benefits

  • This credit card is only offered to the premier banking customers of HSBC based on Total Relationship Balance.
  • You do not need to pay any joining and annual fees for HSBC Visa Platinum credit card.
  • The HSBC Premier MasterCard customers get complimentary golf fee card membership (Maximum 2 per month and 5 per year) and also get 24×7 golf concierge services.
  • This credit card offers fuel surcharge waiver, maximum Rs 250/month, on transactions ranging between Rs 400 to Rs 4000 at petrol pumps across India.
  • Customers can redeem reward points on top points such as Apple, Jimmy Choo, Bose etc.

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.