Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HSBC Cashback Credit Card

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    The Cashback credit card by HSBC Bank is a one of a kind card which offers you with a wide range of benefits. The card comes with zero joining fees and unlimited cashback opportunities on all transactions made. This credit card is specially curated for the ones who wish to make the most of their credit card purchases and transactions.

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    Key Highlights of the HSBC Cashback Credit Card

    • Zero joining fees.
    • Cashback of 1.5% on all online spends.
    • Annual fee of Rs.750 reversed if annual spends exceed Rs.1 lakh.
    • A discount of up to 15% on dining at partner restaurants all over the country.
    • Cashback will also be available on any purchases which are converted into EMI.

    Features and Benefits of the HSBC Cashback Credit Card

    Welcome Benefits and Introductory Offers

    • With the credit card, you will receive 2 Airport Lounge Access for domestic and international lounges or 2 meal vouchers worth Rs.400 at restaurants at the airport.
    • Get a discount of up to 20% on your orders worth more than Rs.200 on Swiggy.
    • The HSBC Cashback card also comes with a Swiggy voucher of Rs.250 which must be redeemed within the first 60 days of card issuance.
    • A discount of 5% will be given on your purchases of more than Rs.1,000 at Amazon.

    Cashback Offers

    • A cashback of 1.5% will be given on all online spends on the credit card. 1% cashback will be given on all other spends.
    • The cashback feature will also be available on purchases made through EMI.

    Milestone Benefits

    • On spending over Rs.1 lakh in a year, the annual fee of the card, Rs.750 will be waivered.

    Miscellaneous Benefits

    • Zero liability on the customer in case of loss of card. There will an insurance cover of up to Rs.3 lakh for up to 24 hours before reporting and registering the loss.
    • Emergency card replacement can be done from all over the world within just 3 days.
    • The card comes with a wide range of insurance benefits as well to protect the cardholder from any situation.

    HSBC Cashback Credit Card Limit

    The credit limit for the HSBC Cashback card is given at the discretion of the bank. HSBC Bank will be conducting thorough checks before assigning the card limit. Some of the factors which play a major role are the credit score of the primary cardholder, the credit report, and the repayment habits of any past or present debts.

    Latest Offers on the HSBC Cashback Credit Card

    • Discount of up to Rs.250 given on purchases made on bigbasket made with the credit card.
    • With the credit card, on your purchases made on Amazon Pantry, get an instant discount of up to 15%.
    • On your international flight bookings on MakeMyTrip, get a discount of up to Rs.15,000.
    • A discount of 25% will be given on booking your international hotels through MakeMyTrip with the credit card.
    • For your domestic flight bookings, get a discount of up to Rs.1,000 when done with your credit card.

    HSBC Cashback Credit Card Fees and Charges

    Type of Charge Fees
    Annual fee Rs.750 (Waived if annual spends exceed Rs.1 lakh)
    Joining fee Nil
    Free credit period Up to 45 days
    Finance charges 3.3% per month
    Add-On card annual fee Nil
    Minimum payment due 5% of the total payment due subject to a minimum of Rs.100
    Cheque dishonor charges Rs.450
    Duplicate statement fee Rs.100
    Cash advance limit 2.5% of the transaction amount subject to a minimum amount of Rs.300
    Out of town cheque processing fee Nil
    Transaction fee for cash withdrawal Rs.100 at international ATMs
    Over limit fee Rs.500 per month
    Late payment fee 50% of the minimum payment due subject to a minimum of Rs.400 and maximum of Rs.750 per month.
    Sales slip retrieval fee Rs.225 per month

    Eligibility Criteria of the HSBC Cashback Credit Card

    The bank will ask you to fill a form with a few primary details, when you click on the ‘Apply Now’ option on the website. Once filled, the bank will check if you are eligible for a credit card and will get in contact with you.

    The ideal eligibility criteria for the credit card is:

    • The primary applicant must be a citizen of India.
    • The age of the applicant must be between 18 and 70 years old.
    • The age of the add-on applicant must be above the age of 15 years.

    Documents Required to Apply for the HSBC Cashback Credit Card

    You will need to submit several documents during the application procedure. Here are some of the documents which are required:

    Proof of Identity
    • Aadhaar card
    • Passport
    • Driving License
    Address Proof
    • Ration Card
    • Voter ID
    • Passport
    • Aadhaar card
    Proof of Income
    • Salary Slip
    • IT Returns
    • Form 16

    The above-mentioned list of documents is indicative. The bank may ask you to submit any other document during the application procedure or after depending on the requirement.

    FAQs

    1. How do you apply for an HSBC credit card?

      You may apply for an HSBC credit card online by going to the website of the bank and selecting 'Apply now'.

    2. How can I check the status of my credit card application?

      Once applied for, the bank will be sending alerts on the status of your application to the mobile number on your application form. You can also check the status of your application by calling Phone Banking.

    3. How long does it take to receive an HSBC credit card?

      Once the application is received by the bank along with other necessary documents, the application will be processed within 3 weeks. The credit card will be then sent within 7 working days, once the application has been approved.

    4. Will I be charged a foreign transaction fee if I use my card abroad?

      The card you apply for will be valid internationally at no extra charge levied. The bank, however, will charge the applicable currency conversion rate at the country you make your transaction.

      

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