Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • HSBC Balance Transfer is Rated as "Excellent!" by 457 Users

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    HSBC Balance Transfer

    HSBC Credit Card Balance Transfer Overview

    HSBC Bank credit card customers can transfer their outstanding balance from other bank credit cards onto their HSBC credit cards without any hassles using the balance transfer option provided by the bank. HSBC customers can use the HSBC Phone Banking service, SMS Banking or use the HSBC website to opt for the Balance Transfer facility.

    HSBC India offers customer two options for making balance transfers -

    • Balance Transfer-on-EMI or Equated Monthly Instalments
    • Perpetual Balance Transfer

    Types of HSBC Credit Card Balance Transfers

    Balance Transfer-on-EMI or Equated Monthly Installment

    HSBC Bank customers can use the Balance Transfer on EMI facility to transfer and repay the outstanding balance available on their other bank credit cards to a HSBC credit card. The repayment can be done in the form of monthly instalments at a competitive interest rate. In order to avail this facility, HSBC customers have to make a minimum balance transfer transaction of Rs.3000 from another bank credit card accounts to their HSBC credit card accounts. The monthly instalment will be charged to the customer’s credit card on the due date. Repayments can be done with tenures ranging from 3, 6, 9, 12, 18 or 24 months. HSBC Bank levies a processing fee of 1% of the amount transferred or a minimum of Rs.149 on balance transfer transactions.

    The interest rate charged for the Balance Transfer-on-EMI facility is as follows.

    Tenure Interest Rate
    3,6,9 or 12 months 12.49%
    18 and 24 months 15%

    Perpetual Balance Transfer (PBT)

    HSBC Bank offers the “Perpetual Balance Transfer” to its customers, through which outstanding balance transfers can be done from other bank credit cards to HSBC credit cards. Repayments can be done by customers at low interest rates. A minimum of Rs. 3000 has to be transferred to avail this facility. The lower interest rate is applicable on the balance that has been transferred and HSBC offers the flexibility of having no restrictions on the tenure of repayment under the Perpetual Balance Transfer feature. Customers do not have to select any pre-determined tenure. A minimum repayment has to be done every month which should be equivalent to 5% of the outstanding PBT amount or a minimum of Rs. 100. HSBC Bank levies a processing fee of 1% to 2% on the Perpetual Balance Transfer amount or a minimum of Rs. 149. Customers can make additional payments every month and also close their Perpetual Balance Transfers when they wish to. HSBC does not charge any foreclosure fees on complete repayment of the Perpetual Balance Transfer amount.

    Tenure Interest Rate
    Not pre-determined 1% to 2% per month

    Perfect Credit Card Deals for you

    Credit Card Reviews

    • HSBC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with HSBC month back. They have offered platinum card and Its an international card. I get reward points also. The credit limit was 80,000 and I have 24/7 helpline number also. The customer service and response was up to the mark and I would like to recommend to others. My overall experience was good here.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2017
    • HSBC Bank Credit Card
      "Very good experience"
      0.5 5.0/5 "Blown Away!"
      I bank with HSBC for a credit card. I am a very long time customer for almost ten years and more. The services has always been up to the mark and the deals are perfect. I started off with a limit of 25K and now I have around 90K to 95K. I can access my card all over.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 14, 2017
    • HSBC Bank Credit Card
      "Its Better"
      0.5 4.0/5 "Great!"
      HSBC has only one branch in Hyderabad, that is also located in Somajguda, As compared as HDFC, HSBC is good in offers and their limit was satisfactory. Due to the personal reason I have surrender my HSBC credit card. Other than that I don't have any issues with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 14, 2017
    • HSBC Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      HSBC is good in the credit card features. The process was perfect and on time. They have offered me a proper limit and I have not had any hassles for the number of years I am using it. The limit is also good and there are no charges related to my card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 13, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HSBC credit card from last 2 years, HSBC provides good services on credit cards. I find this card very useful when compared to all other credit cards. I get exciting offers like cashback, easy EMI options, I also use this card to fill the fuel and when it comes to credit limit, it is satisfactory.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 13, 2017
    • HSBC Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      HSBC provides plenty of reward points for all transaction and its a life time free credit card. Credit limit is also satisfactory. I am getting discounts on movie tickets at bookmyshow.com. Before a week only I have received credit card with the kit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2017
    • HSBC Bank Credit Card
      "Discounts on Movie tickets and Trip"
      0.5 4.0/5 "Great!"
      With HSBC i hold a credit card.I used to get reward points on every shopping and with clear trip if i make any bookings then i will get either cash backs and reward points.With book my show i get cash back for my movie tickets ,while using HSBC credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 09, 2017
    • HSBC Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      I can say it was the best service from HSBC for my credit card service ,there representatives are not much helpful or responsible I never get any good offers from HSBC ,but I am happy with the overall service . I don't have any issue till now from HSBC service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 07, 2017
    • HSBC Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a life Zero annual fee card with HSBC bank. I use the HSBC platinum visa credit card for more than 3 to 4 years. The customer service is good with platinum visa credit card. The Credit Limit is good with this card and I am happy about it .
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 07, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am holding the HSBC bank credit card from the last six months of time. Response is also good one for me and their customer service is also good one. Offers are also working up to the mark and the annual charges are life time free one.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 04, 2017
    • HSBC Bank Credit Card
      "Closed credit card"
      0.5 2.0/5 "Expected more"
      I had closed my HSBC credit card because their service was not good., I was holding this card for one year. Their response was not good i normally call them to check whether EMI options were there or not but they dont respond properly also their interest rate is very high on this card therefore i had closed the card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 30, 2017
    • HSBC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The credit card with HSBC has been a hassle free experience. I got this credit card in 2012 and the payment option are good one with them. Customer services are good one with them and am very happy with them credit limit they have offered is 1.20 lakhs initially they have offered 30000 rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 28, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Having a HSBC Platinum card for past 6 months. I am happy with the credit limit. They are charging rate of interest is 1.04% which is nominal. The transcation for 1 lakh they charge rate of interest as Rs.700. They offered me many offers but i'm interested in that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 28, 2017
    • HSBC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with HSBC for a credit card and the banking is overall good. There are good deals and the card is also accessible every where. There is a proper customer care as they are responsive when ever I reach out to them. They have convenient options online as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 26, 2017
    • HSBC Bank Credit Card
      "Better Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a HSBC visa platinum credit card for past 10years. I am happy with the credit limit. There is no annual fee with this card. I never converted the payment in to EMI option. The rate of interest is nominal with HSBC credit card. I am satisfied using HSBC Visa platinum credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 26, 2017
    • HSBC Bank Credit Card
      "Easy to hold card"
      0.5 4.0/5 "Great!"
      I hold a visa platinum card with HSBC. In my credit card i used to get 50% off on every movie tickets on Book my show it nearly comes around 500 off for a month. Balance transfer facilities also available. For credit card purchases first 45 days there will be no charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 24, 2017
    • HSBC Bank Credit Card
      "Professional services"
      0.5 5.0/5 "Blown Away!"
      HSBC is another bank I prefer to bank with, because they have the best of services and they are very professional and know how to handle the customer. I hold a credit card and the experience is good and in all there are no unwanted charges taken as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 23, 2017
    • HSBC Bank Credit Card
      "HSBC credit card"
      0.5 4.0/5 "Great!"
      I really appreciate HSBC credit services as the bank managed to issue the credit card in 6 days. Everything is absolutely fine there also their response is good. I am very much happy with the offers, cash limit, also the due date is 90 days to make the payment and that is the best part about them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 23, 2017
    • HSBC Bank Credit Card
      "Shopping with HSBC"
      0.5 4.0/5 "Great!"
      I hold a HSBC platinum credit card . The current limit of my card is 1 lakhs.Its not that too much good nor too much bad. I mostly get offers with my HSBC for online shopping websites like Amazon,Flipkart etc. It gives a happy shopping experience with the credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 21, 2017
    • HSBC Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I had a good experience with HSBC ,very responsible representatives I use to get regular offer notifications through email,sms. Transaction part was also very fast, I use to get regular offers from HSBC ,I can say overall it was an good service from HSBC bank for my credit card service .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
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