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 703 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
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The customer support took around 25days of time disburse he HSBC credit card . The HSBC bank executives came to my place to collect the documents. I am satisfied with the credit limit. There is no annual fee to this card and I would say it is an life time free card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved with HSBC bank and it was a good experience overall. The process was smooth and i received my credit card within 1 week. I have a credit limit of Rs 75000 which is sufficient enough and there is no annual fee for this credit card. I am not aware of any offers in this credit card and i use this credit card only for emergency purpose. Documents were collected door step and the customer service was fine.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The service was good with the HSBC bank and I got the credit card within a week time. The customer support was good with the HSBC bank. I am satisfied with the credit limit with the HSBC platinum visa credit card. There is no annual fee to this card and it is life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Its been more than a month I have got the HSBC platinum visa credit card and The customer support is good with the HSBC bank and they gave me good response in regards to my credit card application. The executives came to my place and had collected all my documents from me on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Within 15days of time I got the credit card from HSBC bank. The customer support is prompt with their response, they came to my place and collected the documents on time. I am satisfied with the credit limit. This card has the validity up to 2022.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The HSBC bank gives good response in regards to my credit card queries . The banking service is very secured with the HSBC bank. I got the credit card within a week time. The customer support is good with the HSBC bank. I am satisfied with the credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I own a HSBC platinum visa card for shopping,bill payments and for other usages., The customer support is good with the HSBC bank credit card department. I am satisfied with the credit limit with the HSBC card, because I got Rs,55,000 as the limit. I pay the annual fee of Rs,500 to this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The executives came to my place and collected the documents on time, but the HSBC took longer time then normal and the card got disbursed within 25days of time. I am satisfied with the credit limit. There is no annual fee which is applied to this credit card and it is a life time free card that I hold with HSBC.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the credit card with HSBC around 45 days ago. The customer support was good with the HSBC bank , they came to my place to collect the documents. I am satisfied with the credit limit, it would be great if they can increase the credit limit. I was promised a life time free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my HSBC visa platinum, International credit card . The credit limit was 1.20 lakhs and the validity is up to 2020 and I have 24/7 helpline number.They never remind me for the payment and I have never made late payment also . The customer service and responses was good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I am not really satisfied with the HSBC bank credit card and also, I have waited for them to pick the call in their customer service for some long time, also they have to work on it to reduce the waiting time for the call.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      Customer service is good one with the HSBC bank credit card and the response is fine one for me. The loan amount got disbursed within ten days of time. I am happy with the HSBC bank credit card and everything is fine.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Customer service and other things are good with the HSBC bank and the response was great one. I would like to say that the credit limit value was good one for me with them. I am happy with the HSBC bank credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      The process was quite faster one with the HSBC bank for the credit card and the response was really good one. I would like to say that the credit limit value was very lesser one for me. Everything is good one with the HSBC bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have used the HSBC VISA PLATINUM CARD to fill the petrol , the charges are very high with this card. The surcharges were 4% in the fuel but they are just returning 0.75%. The customer support is average with the HSBC credit card department. I am satisfied with the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Best"
      0.5 5.0/5 "Blown Away!"
      Customer service and other things are really good one with the HSBC bank credit card and the credit limit value is also sufficient one. Everything is perfect one with the HSBC bank credit card, also am really happy with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • HSBC Bank Credit Card
      "Best card to use"
      0.5 4.0/5 "Great!"
      It was overall a good experience with HSBC credit card and i am happy with the services which they provided. The process was very smooth and i received my credit card within 1 week. This is a lifetime free credit card. The offers in this credit card they provide is 10% cash back on all expenses for the first 3 months. Customer service was good and they collected all the documents on time. I use this credit card for general purpose and the credit limit is satisfactory.
      Was this review helpful? 1
      , thane
      Reviewed on Dec 09, 2017
    • HSBC Bank Credit Card
      "Good card with HSBC"
      0.5 5.0/5 "Blown Away!"
      I hold a HSBC platinum card were my current limit is 60000. there is no annual charge as this is a life time free card. After this month statement i have to pay the bill for my credit card. just fro an emergency i am using this card.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Dec 09, 2017
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with HSBC BANK through online channel. Everything was fine and the process was simple. They have mentioned there is no annual fee. I hold a HSBC Visa Platinum credit card. The customer service and response was good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 09, 2017
    • HSBC Bank Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      HSBC bank credit card is not really convenient for me like the password changes and other things. I want them to everything optimized while it comes to more technical. I am happy with the HSBC bank credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 09, 2017
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