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  • HSBC Balance Transfer is Rated as "Excellent!" by 1918 Users

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    HSBC Balance Transfer

    HSBC Credit Card Balance Transfer

    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 Instalment

    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 (per month)
    3, 6, 9 and 12 months 1.04%
    18 and 24 months 1.25%

    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

    HSBC Credit Card Balance Transfer On EMI Foreclosure

    Foreclosure of HSBC balance transfer on EMI facility is not available. However, if you wish to close your credit card before the tenure of EMI facility ends, the total outstanding amount will be debited to your card as one consolidated amount.

    You will also be charged a pre-payment fee of 3% of the outstanding loan amount, with a minimum of Rs.250.

    HSBC may also foreclose your loan and adjust it to your credit card in case of non-payment of EMIs.

    Credit Card Reviews

    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The credit card service is good with the Hsbc bank and I have got the Hsbc bank platinum visa credit card within 15 days of time. The customer support service and the response is good with the HSBC bank. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It is a good experience with HSBC and I had no issues with the bank. The documents was collected on time for the credit card. The credit limit is good and there are good offers too. It is a life time free card. There are movie ticket offers from Book my show. It is a buy one get one ticket free.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Good "
      0.5 3.5/5 "Pretty good"
      I have my credit card with HSBC bank which was taken 2 months back. The credit limit was 1 lakh which is satisfactory and i hold visa platinum card . The customer service and responses was up to the mark. The benefits are book my show and the reward points .My overall experience was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The primary reason that i have chosen this card is because there was no annual fee charged for this card. They had also given me free vouchers, and every 3 months cash back of 10% for some purchases. I mainly use this for my expenses in daily basis.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I was using HSBC credit card from last 3-4 years, the credit card services were best when compared to other cards. There was no annual fee charged and the credit limit was sufficient. I used to get offers like cash back on this card. I stopped using this card due to a personal reason.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I was just looking for a card with a good credit limit and i am satisfied with the credit limit which they have provided for this card. There has not been any benefits such as provided by them up to my knowledge. It can be said as a very good card to use and has very good services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Hsbc credit card service is good. The customer service is good with Hsbc credit card service. The payments are through online. They offer me with a good credit limit which is sufficient for me. I also uses Hsbc online portal which is easy for navigation with lot of good options.
      Was this review helpful? 0
      , thane
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The service which I got from the HSBC bank was average and I have got the Hsbc bank visa platinum credit card within 10 days of time. The customer support service and the response was good with the HSBC bank , and I am satisfied with the credit limit value from this hsbc credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Good serviceI have just got this Hsbc Visa Platinum credit c"
      0.5 5.0/5 "Blown Away!"
      I have just got this Hsbc Visa Platinum credit card and I use it for the past 1month ,and I got good experience from the HSBC bank. The customer support service is good with the HSBC bank. They send their executives to collect the documents on time. The credit limit value is sufficient as per my requirement.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The service of Hsbc credit service is good compared to other credit service providers in the market. The credit limit they quoted me is 1.20 lakhs but I expected 2 lakhs. The documents process was been smooth. They asked for my Adhar,pan card and payslips during the process. It was a good experience with Hsbc credit service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Hsbc credit card service is good. The customer support was been prompt with Hsbc. They offer me with a good credit limit which is sufficient for me. The response was been good with Hsbc. Hsbc online portal is user friendly. It was an good experience with Hsbc credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with HSBC bank from last 1 year, there is no annual fee charged for this credit card. I am satisfied with the credit limit in this credit card. All my transactions are hassle free on this credit card. There are no hidden charges on this credit card and i get good cash back offers in HSBC credit card.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Apr 24, 2018
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It was an good experience with Hsbc credit card service. The credit limit is not sufficient for me with Hsbc. The documents process was been smooth with Hsbc credit service. It was an good service from Hsbc credit service. The customer support is good as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 23, 2018
    • HSBC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am not using my HSBC credit card much, still It was been a good experience with HSBC credit card service. The customer support is prompt with HSBC credit card service. I use to receive some good offers and cash backs. The online net banking is easy to use with lot of good options. It was a good experience with HSBC credit card service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 23, 2018
    • HSBC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The service which I got form the HSBC bank was good and they have delivered the Hsbc Visa Platinum credit card within 10 days of time. The credit limit value is good with this card and i am satisfied with it. The customer support service is good with the HSBC bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 23, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Got the Hsbc Visa Platinum credit card within 10 days of time after the approval. The whole process took more than a month time. The Hsbc customer support service is good and they came to my place to collect the documents on time. The credit limit value is good with this card and i am satisfied with it. There is no annual fee to this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2018
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The HSBC bank executives came to my place to collect the the documents. They took around 10 days of time to deliver the credit card. The credit limit value is average with this HSBC bank visa platinum credit card and I would say, I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 23, 2018
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a credit card from Hsbc, the credit card is life time free, I am happy to get this credit card, the limit is also fine on the card, the features and benefits the card is holding is also fine. I do not see any difficulties with the card, so hence I am going to forward with using this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2018
    • HSBC Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a credit card from Hsbc bank. Its a life time free credit card with some good features and benefits, I did not see any flaws in the card, and I am looking forward to use the credit card. The limit is also fine and I am happy with it. I would rate this card 5 out of 5.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 22, 2018
    • HSBC Bank Credit Card
      "Happy with the services"
      0.5 3.5/5 "Pretty good"
      I have credit card taken from Hsbc bank, the visa platinum card. The limit is good and the services are also fine. the credit card got good offers on flights ticket booking, reward points on shopping and cash back offers. Its a life time free card and I am happy with the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 22, 2018
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