Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HSBC Add-on Credit Cards

    Credit cards were first introduced in the 1950s and has since gone on to become one of the most procured financial products in the world. It would not be far from the truth if one were to say that credit cards have changed the landscape of the financial world today due to their popularity across the globe. This financial tool may be small and unassuming but has completely changed the way loans and purchases work in the world today. There are a number of reasons as to why credit cards are so popular. One of them is the convenience factor. Carrying one or even two credit cards is better than carrying a wad of cash. Additionally, individuals can use funds with just a swipe as most merchants accept credit card payment for their merchandise.

    Who can avail HSBC Add-on Credit Cards?

    Due to its popularity, this financial product can be availed from a number of banks and financial providers as long as the eligibility criteria is met. Not everybody can avail credit cards however, as there are certain conditions that need to be met before one becomes eligible This is due to the fact that credit cards are not free. In addition to joining fee and/or annual fee, customers will have to pay the credit card bill every month during the billing cycle. In case cardholders are unable to pay the bill completely, they can also pay just the minimum amount that is due. However, in case the bill is not paid in full, an interest rate will be imposed on the subsequent payments. If left unchecked, this amount can end being quite hefty resulting in the cardholder falling into a debt trap. Therefore, one must be able to afford a credit card.

    Therefore, only if an individual meets the required eligibility criteria can he/she procure a credit card. Eligibility factors for a credit card varies depending on the age, income and credit score of the applicant, among other factors. However, sometimes individuals may not meet the above criteria for various reasons and these applicants can avail an add-on or supplementary credit card.

    Supplementary credit cards on the other hand can be availed by family members of the primary cardholder only if they meet the required eligibility criteria such as age and if they are related to the primary cardholder.

    What is a HSBC Add-on Credit Card?

    Supplementary or add-on credit cards are additional cards provided under the primary credit card to relatives of the primary cardholder. These cards usually have the same benefits and credit limit as the primary credit card and can be utilised similarly. Additionally, add-on credit cardholders can avail Rewards Points and AirMiles along with other discounts every time they use their credit card to pay for products or services. The number of add-on credit cards that can be availed depends on the credit card issuer but is usually between 3 to 5 cards. Individuals can avail add-on credit cards for their family members such as children who are adults, spouse, siblings and so on.

    One of the most popular and respected banks in the country, HSBC is renowned for their customer friendly services along with their plethora of product offerings. As part of their banking portfolio, HSBC provides credit cards, loans, insurance and debit cards among other products. Supplementary credit cards can also be availed by family members of the primary cardholder.

    Eligibility for HSBC Add-on Credit Card?

    The eligibility criteria for a HSBC add-on credit varies based on the terms and conditions of the bank. However, some of the common eligibility criteria that need to be met, are as follows -

    • Applicant must be above the age of 18.
    • Applicant must be a relative of the primary cardholder such as children, spouse, siblings or parents.
    • The applicant must have the approval of the primary cardholder.

    Other eligibility criteria may be applicable based on the terms and conditions on HSBC.

    Documents Required for HSBC Add-on Credit Cards

    In order to avail an add-on credit card from HSBC if eligible, the following documents will have to be furnished -

    • Application form that has been filled and signed. This form can be downloaded from the HSBC India website.
    • Attested proof of identity such as Aadhaar, Passport or PAN card
    • Attested proof of address such as Voter ID, Aadhaar or Passport
    • Self-attested recent passport size photograph
    • A copy of the primary cardholder’s credit card may also be asked

    Additional documents may be necessary and would be requested for by HSBC. Customers should note that it is mandatory to provide KYC or Know-Your-Customer documents else the application will not be accepted.

    How to apply for HSBC Add-on Credit Cards Online

    Customers can apply for an add-on credit card from HSBC by downloading the application form available on the HSBC website under the section titled ‘applications’ which is towards the left side of the main page. This form will have to be downloaded, filled and then submitted across the counter at the nearest HSBC bank. This will have to be done along with the required documents, both original and photocopies. This will then have to be validated by the Branch Officer.

    Features and Benefits of HSBC Add-on Credit Cards

    Add-on credit cards from HSBC is generally procured by the credit cardholder for his/her family members who may not be eligible for a primary credit card. These supplementary credit cards come with a plethora of features and benefits as given below -

    • HSBC add-on credit cards have a number of benefits and perks that can be availed. AirMiles, Reward Points and other discounts can be enjoyed.
    • Every time a HSBC add-on credit card holder uses his/her card, Reward Points can be availed which can be redeemed for exciting offers and gifts.
    • The benefits and features on the add-on credit card will be more or less the same as that of the primary credit card.
    • The credit limit of HSBC add-on credit cards are the same as that of the primary credit card. However, in certain cases the limit on this credit cards may be lower than that of the primary card based on the bank’s terms and conditions.
    • The primary cardholder can track all of the spends made on the supplementary credit cards. Additionally, the primary cardholder can also monitor the spends made on each of these credit cards.
    • Most of these HSBC add-on credit cards can also be used abroad, subject to certain terms and conditions.

    Fees and Charges for HSBC Add-on Credit Cards

    The fees and charges for HSBC add-on credit cards will vary based on the card that is procured. Customers are requested to contact the bank for information regarding the same.

    Customers should note that finance charges are calculated from the date of transaction and fees and charges are subject to change based on the terms and conditions of HSBC.

    HSBC Credit Cards with Add-on Options

    For further information regarding the same, customers are asked to contact HSBC directly.

    FAQs On HSBC Credit Cards:

    1. How many add-on credit cards can an individual avail from HSBC?
    2. Customers can avail up to 3 add-on credit cards from HSBC.

    3. Who pays the bills for an add-on credit card?
    4. Credit card bill for an add-on credit card is paid by the primary cardholder.

    5. How is credit score calculated on a supplementary credit card?
    6. Credit score will not be calculated on the basis of an add-on credit card. Instead, all spends will be reflected in the primary cardholder’s credit report. Hence the add-on credit card must be used carefully by the credit cardholder.

    7. What is the credit limit applicable for an HSBC add-on credit card?
    8. The credit limit for an HSBC supplementary credit card is either the same or lesser than that of the primary credit card. This is dependent on the terms and conditions of the issuing bank, which in this case is HSBC.

    9. Who is eligible to avail an HSBC add-on credit card?
    10. Immediate relatives of the primary cardholder can avail an add-on HSBC credit card.

    Know More About Other Bank Add-on Credit Card

      

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    HSBC Add-on Credit Cards Reviews

    • Bank Bazaar Credit Card
      "Got my free credit card through Bank bazaar"
      0.5 5.0/5 "Blown Away!"
      I got my new credit card from Bank bazaar based on my credit score . When I am checking free credit score in their portal , I got a call from the sales team . Based on my score there was a life time free card is available . Then I decided to go with this card .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service for first time, i came to know about this bank bazaar service through on line,i am happy with their service and i have applied for credit card from them, i have not faced any issue or difficulty in that getting my credit card, whole process when smoothly and i have used mobile application it is easy to access.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • Punjab National Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have one more credit card last two years from punjab national bank , this is free card , but I am not satisfied with credit limit just 10k after using 1.6years then increase only 10k , now credit limit is 20k , and their customer service is good ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Their customer service is not good I try but every time call is not going , I have taken one RBL credit card here is credit limit is 45k not much happy ,last one years I have this credit card , I am not getting any offer , and I dont know this is charges or free , but I am satisfied with this credit card ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for HDFC BUSINESS MONEYBACK credit card for recently, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was okay, the card came on time there was no delay or issue in getting card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Not upto the expectation"
      0.5 3.0/5 "Satisfactory"
      Yes bank has not given me the expected credit limit when I was promised before buying this credit card . I am not received any promotional offers for this card . But the executive has given big hype about having and using this card . There will be huge credit limit and so many offers will be available .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I came to know about bank bazaar service through on line, this is my first time i have been availing their service, their website is good, but one thing i would like to suggest them is that stop doing too much of spamming call, i use to get too much of call from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Need improve their customer care"
      0.5 5.0/5 "Blown Away!"
      I am happy with the service of RBL bank, but i am not happy with their customer care service they are not up to the mark, as i use to get too much call a day i use to get call up to 40-50 times, and there is language barrier as well, they do not speck English properly,i have been using this card from past one and half years,but from last 3 months i face this issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Outlets should be increase"
      0.5 3.0/5 "Satisfactory"
      I hold Amex credit card from long time, but i am not happy with the card, their service is good, but it is not useful for me, they should increase in many outlet this card, even i do transaction in on line, i could not do online transactions as it use to show as invalid offers for amex card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Need to increase the Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for 3 and half years, its a good one to use, but while applying they provided credit limit as 15 thousands post that they increase to 25 only, i would like to suggest to provide more credit limit, mean while the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about bank bazaar service through on line, this is my first time i have been applied for their service, their mobile application is good,it is user friendly application, but one thing i would like to suggest them is that they should reduce the call flow.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Overall experience is good"
      0.5 4.0/5 "Great!"
      The customer services and response is good at Bankbazaar. I got regular messages about the updates. The website is good and it is easy to use and understand. There were follow up calls as well. It was easy to get the details of the banks and their offers too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Indusind bank credit card for recently, they have not charged me annual fee as it is life time free credit card, i am not happy with the credit limit they have given me less credit limit, like they said 75,000 i will be getting so far but after that they have just given me 50,000 as an limit, the reason for choosing this card is for their offers for shopping and movie tickets, there was much delay in getting loan, there was wrong information was given , the pin got generated after 15 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      The documents was taken on time for the credit card. The updates was not done for me. I had to call the person who took the documents and I was told that the paper work is processed and I will get the card in few days. The follow up calls was not there with HDFC Bank. There are charges annually for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I came to know about bank bazaar through my friend because this is the good financial product, so once i download the app i repeatedly getting calls from bank bazaar, i would like to suggest to get minimum the calls. The best part of bank bazaar which i would like to share is providing the amazon voucher offer.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good reward point"
      0.5 4.0/5 "Great!"
      I got my HDFC credit card very recently . in HDFC also I am not happy with the credit limit . I thought HDFC has a great brand value they always fulfill the customers requirement . But interms of credit point they made me so happy with that . Their credit point has some value .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI credit card from long time, They have not charged me annual fee, they use to give good offers in shopping, i am happy with the credit limit which they have given to me, they use to give good offers based on my requirement so far i did not face any issue.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "High level customer service"
      0.5 3.5/5 "Pretty good"
      Bank bazaar has proved strongly they are the masters of digital shopping . They know the nook and corner of the business strategy . I am so thankful for the bank bazaar customer service and guiding me a correct credit card according to my taste .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for a credit card. The customer services and response is good and there are good offers as well. Just that the credit limit is less. Else there are no hassles while using the card. The transactions are smooth and easy and no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Completely disappointed with the credit limit"
      0.5 2.0/5 "Expected more"
      Highly disappointed with the American express service . When I am taking a card with very high interest with them they given a credit limit of only 25 k. I though it was a international credit card, their limit also will be in higher scale . But complete collapse of my dream .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
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