HSBC Bank Credit Card Fees and Charges

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Interest Rate

If the full outstanding amount on your credit card is not paid within the due date, then HSBC Bank charges interest rates to credit cards. The charges may vary depending on the card variants and is listed in table below: 

Cards	Interest Rate
HSBC Taj Credit Card	3.75% per month (45% per annum)
HSBC TravelOne Credit Card
HSBC Live+ Primary Credit Card
HSBC Premier Credit Card	2.99% per month (35.88% per annum)
HSBC Visa Platinum Credit Card	3.75% per month (45% per annum)
HSBC RuPay Platinum Credit Card
HSBC RuPay Cashback Credit Card

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Late Payment Fee

If the cardholder fails to make payment of outstanding credit card balance within due date, then HSBC Bank charges late payment fees on outstanding balance. The bank charges a late payment fee of 100% of the Minimum Payment Due (MPD) which is a minimum and maximum of Rs.250 and Rs.1,200 for all HSBC Bank credit cards.

Overlimit Fee

On credit transaction above credit limit, HSBC Bank charges overlimit fees on credit card. 

Cards	Overlimit Fee
HSBC Taj Credit Card	Rs.500 per month
HSBC TravelOne Credit Card	2.5% of the overlimit amount or Rs.500 (whichever is more) plus GST
HSBC Live+ Primary Credit Card
HSBC Premier Credit Card
HSBC Visa Platinum Credit Card
HSBC RuPay Platinum Credit Card
HSBC RuPay Cashback Credit Card

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Foreign Currency Markup Fee 

HSBC Bank charges an extra charge on foreign currency transactions made using the HSBC Bank credit cards and the charges are listed in the table below: 

Cards	Foreign Currency Transaction Charges
HSBC Taj Credit Card	3.50%
HSBC TravelOne Credit Card
HSBC Live+ Primary Credit Card
HSBC Premier Credit Card	0.99% of transaction value
HSBC Visa Platinum Credit Card	3.50%
HSBC RuPay Platinum Credit Card
HSBC RuPay Cashback Credit Card

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FAQs on HSBC Bank Credit Card Fees and Charges

• Are there any charges for add-on HSBC credit cards?

  No, HSBC Bank does not charge any fees for add-on credit cards.  

• What is the process of applying for an HSBC Bank credit card?

  You can apply for an HSBC credit card either online through the bank’s official website or offline by visiting a nearby HSBC branch. 

• What interest-free period is available on HSBC credit cards?

  HSBC credit cards offer an interest-free period of 45 to 48 days, depending on the card's variant.  

• How is interest charged on HSBC credit cards?

  If the total outstanding amount is not paid by the due date, an interest is charged by the bank on the credit card for the total outstanding amount. It is calculated daily on the remaining balance after the due date. For cash withdrawals, interest is applied daily from the date of withdrawal until the amount is fully repaid. 

• How much is the balance transfer fee for HSBC Bank credit cards?

  The bank charges a balance transfer fee at a rate of 10.99% to 15.99% per annum across all tenures for HSBC Bank credit cards.