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  • HSBC Add-on Credit Cards

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  • 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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    Credit Card Reviews

    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
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    • HDFC Bank
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      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
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    • SBI Cards Credit Card
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      0.5 3.0/5 "Satisfactory"
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    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
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    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
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    • RBL Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
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    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which was taken through Online .I have got the credit card on delay basis it took 1month time that was the difficulty faced by me .The credit limit was good and this was a free card .I am really satisfied with the service so far .There was no cash back offers and reward points .
      Was this review helpful? 1
      , hyderabad
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    • Citibank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have Citi Bank credit card for the past 1 year .I am using this credit card for the past 1year .I have got all the required details about the card process ,I have got this credit card on time without any hassle .The credit limit was pretty good and there was no drawbacks faced .I am satisfied with the service .
      Was this review helpful? 0
      , mumbai
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    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank .I am using this credit card for the past 1 year and it was a chargeable card ,I have got my credit card on time without any delay .The credit limit was really good and there was no drawbacks faced .I am realy satisfied with the service .
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      , mumbai
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    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
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      Was this review helpful? 1
      , mumbai
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    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 6 years .I have got all the required details about the card process ,I have got my credit card on time without any details .The credit limit was really good and there was no drawbacks faced .I am totally satisfied with the service .
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card which was taken through Online .The credit limit was very good it was upto 1 lakh it was sufficient .I have got all the required details about the card process.I have not faced so far on using this card .This was a free card .I am totally satisfied with the service .
      Was this review helpful? 0
      , mumbai
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    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 1
      , bangalore
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    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given for 75 thousands which was low because I was expecting more than a one lakh. EMI option is applicable. I have been using this card for shopping, fuel and restaurant purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Very Nice to use"
      0.5 3.0/5 "Satisfactory"
      In SBI, they are providing a voucher if i pay the annual fee of Rs. 3000 and if i use more than Rs. 5000 yearly, the annual fee is getting waived off. In SBI, i have a prime card. They gave me a credit limit of Rs. 50000. Customer care service is good.
      Was this review helpful? 0
      , hyderabad
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    • IndusInd Bank Credit Card
      "Very Good to use"
      0.5 5.0/5 "Blown Away!"
      They have given me a nice offers and the rewards points will be nice when I'm getting in a shopping. I have got the credit limit of Rs. 1 lakhs. There is a annual fee of Rs. 3000 but i can pay this by using the rewards points. I have got the first month bill and i have to pay on 24th of this month. The statement is clear to understand.
      Was this review helpful? 0
      , hyderabad
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    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years and got all the required information about the card process very clearly .This was a free card and and there was no difficulties faced so far on using this card .
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    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with INDUSIND bank on two months before which was processed through an online. Within 2 days I received a call from their end once verification completed by 15 days I received a card. The credit limit is low as per my requirement. EMI option not aware. There was some requirement so I have chosen to apply for it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
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