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

    HSBC Bank offers a variety of credit cards to its customers. Some of the HSBC credit cards offered are lifetime free as you do not need to pay any annual fee while for some the annual fee can be reversed in case you spend a specific amount during the course of the year. These cards are laced with various rewards in the form of cashbacks, reward points, fuel surcharge waiver, free movie tickets etc.

    HSBC Lifetime Free Credit Cards

    Listed below are the HSBC Lifetime Free credit cards:

    • HSBC Cashback Credit Card
    • HSBC Platinum Card
    • HSBC Visa Smart Value Credit Card
    • HSBC Premier Mastercard Credit Card
    • Advance Visa Platinum Card

    HSBC Cashback Credit Card

    The HSBC Cashback Credit Card which is laced with VISA Paywave technology allows contactless payments. As the name of the card suggests, you can avail unlimited cashback on all your transactions.

    Features and Benefits of HSBC Cashback Credit Card

    Some of the features and benefits of the card are as follows:

    • Get Amazon voucher worth Rs.250/3 complimentary airport lounge access at domestic and international lounges/3 meal vouchers at airport restaurants in India as welcome privilege for a transaction of Rs.500 within 30 days of card issuance. (Valid till 30 June 2021)
    • Exclusive offers on Swiggy and Amazon.
    • No joining fees
    • Annual membership of Rs.750 to be reversed if yearly spend exceeds Rs.1 lakh.
    • 1.5 percent cashback offered on all online spends.
    • Discount of up to 15% can be availed at over 1,000 restaurants.
    • Avail buy-one-get-one-free movie tickets at BookMyShow on Saturdays.
    • Avail instant discount of 15% on select products at Tata CLiQ.
    • No liability for transactions made through the credit card in case of lost card once the matter is reported to the concerned authorities.

    Fees and Charges of HSBC Cashback Credit Card

    Type of Fee Charges
    Joining fee Nil
    Annual fee Rs.750 which will be waived off if yearly spends is in excess of Rs.1 lakh
    Add-on charges Free
    Interest-free period Up to 45 days
    Finance charges 3.49% per month (41.88% per annum)
    Cash advance limit Up to 20% of the credit limit
    Cash advance fee 2.5% of the total transaction amount (Rs.500 minimum)
    Fee for cheque pickup
    • Rs.50 for cheque value up to Rs.10,000
    • Rs.100 for cheque values from Rs.10,001 to Rs.1,00,000
    • Rs.150 for cheque values above Rs.1,00,001
    Duplicate statement fee Nil
    Late payment charges 100% of the minimum payment due (minimum of Rs.250 and a maximum of Rs.1,200 every month)
    Over limit fee Rs.500 per month
    Card replacement fee Nil
    FTF (Foreign Transaction Fee) 3.5%
    Cash payment charge Rs.100

    HSBC Platinum Credit Card

    The HSBC Platinum Credit Card offers exclusive privileges and comes with instant recognition. You can use the card for travel purposes as the option of air miles conversion is available on Intermiles, British Airways, and Singapore Airlines.

    Features and Benefits of HSBC Visa Platinum Card

    Some of the features and benefits of the card are as follows:

    • No joining or annual fees.
    • Avail introductory benefits of up to Rs.2,250 with 3 complimentary airport lounge access at domestic and international lounges/3 AirDine (Meal) vouchers. (Valid till 30 June 2021)
    • 1.5 percent cashback offered on all online spends.
    • Avail 5X reward points on subsequent purchases made after crossing spend amount of Rs.4 lakh with a maximum of 15,000 accelerated reward points in an anniversary year.
    • Avail buy-one-get-one-free movie tickets at BookMyShow on Saturdays.
    • Avail instant discount of 15% on select products at Tata CLiQ.
    • No liability for transactions made through the credit card in case of lost card once the matter is reported to the concerned authorities.
    • You will be covered up to Rs.3 lakh in case for misuse of the credit card within 24 hours of reporting and registering the matter of lost card.

    Fees and Charges of HSBC Visa Platinum Card

    Type of Fee Charges
    Joining fee Nil
    Annual fee Nil
    Add-on charges Nil
    Finance charges 3.49% per month (41.88% per annum)
    Cash advance limit As communicated in the monthly statement
    Cash advance fee 2.5% of the total transaction amount (Rs.500 minimum)
    Fee for cheque pickup
    • Rs.50 for cheque value up to Rs.10,000
    • Rs.100 for cheque values from Rs.10,001 to Rs.1,00,000
    • Rs.150 for cheque values above Rs.1,00,001
    Duplicate statement fee Nil
    Late payment charges 100% of the minimum payment due (minimum of Rs.250 and a maximum of Rs.1,200 every month)
    Over limit fee Rs.500 per month
    Card replacement fee Nil
    FTF (Foreign Transaction Fee) 3.5%
    Cash payment charge Rs.100

    HSBC Visa Smart Value Credit Card

    The HSBC Visa Smart Value Credit Card is laced with special money-saving features as well as time-saving services. The credit card lets you avail 10% cashback of up to Rs.1,000 along with other benefits. So, get ready to enjoy more with the card.

    Features and Benefits of HSBC Smart Value Credit Card

    The features and benefits of Smart Value credit card offered by HSBC Bank are:

    • No joining and annual fees.
    • Avail Amazon voucher worth Rs.250 and 3 complimentary airport lounge access at domestic and international lounges/3 meal vouchers at airport restaurants in India as a welcome privilege. (Valid till 30 June 2021)
    • Attractive installment plans at 10.99% p.a. for EMI products booked within the first 90 days of card issuance.
    • Save up to Rs.3,000 per year on fuel surcharge.
    • Earn 3X rewards points for using the card on online, dining, and telecom categories.
    • The interest rate can go down to 1.995 per month depending on the customer’s risk profile.

    Fees and Charges of HSBC Smart Value Credit Card

    Type of Fee Charges
    Joining fee Nil
    Annual fee Nil
    Add-on charges Nil
    Interest-free period Up to 52 days
    Finance charges Can vary between 1.99% and 3.49% per month (23.88% to 41.88% per annum)
    Cash advance limit As mentioned in the monthly statement
    Cash advance fee 2.5% of the total transaction amount (Rs.500 minimum)
    Fee for cheque pickup
    • Rs.50 for cheque value up to Rs.10,000
    • Rs.100 for cheque values from Rs.10,001 to Rs.1,00,000
    • Rs.150 for cheque values above Rs.1,00,001
    Duplicate statement fee Nil
    Late payment charges 100% of the minimum payment due (minimum of Rs.250 and a maximum of Rs.1,200 every month)
    Over limit fee Rs.500 per month
    Card replacement fee Nil
    FTF (Foreign Transaction Fee) 3.5%
    Cash payment charge Rs.100

    HSBC Premier Mastercard Credit Card

    The HSBC Premier Mastercard credit card comes with a host of benefits and privileges. You can avail shopping offers, movie discounts, airport lounge access along with other benefits. The HSBC Premier Mastercard credit card comes with online fraud protection and lost card liability.

    Features and Benefits of HSBC Premier Mastercard Credit Card

    The features and benefits of the card are as follows:

    • No joining or annual fees.
    • Avail best-in-class foreign markup fees of 1.99%.
    • Get waiver of fuel surcharge.
    • Avail the facility of air miles conversion on InterMiles, British Airways, and Singapore Airlines.
    • Get complimentary access and discounted fee at select golf courses in India.
    • Avail overseas education assistance offers.

    Fees and Charges of HSBC Premier Mastercard Credit Card

    Type of Fee Charges
    Joining fee Nil
    Annual fee Nil
    Add-on charges Nil
    Interest-free period Up to 52 days
    Finance charges 2.49% per month (29.88% per annum)
    Cash advance limit Up to 60% of the total credit card limit
    Cash advance fee 2.5% of the total transaction amount (Rs.300 minimum)
    Fee for cheque pickup
    • Rs.50 for cheque value up to Rs.10,000
    • Rs.100 for cheque values from Rs.10,001 to Rs.1,00,000
    • Rs.150 for cheque values above Rs.1,00,001
    Duplicate statement fee Rs.100 per statement
    Late payment charges 100% of the minimum payment due (minimum of Rs.250 and a maximum of Rs.950 every month)
    Over limit fee Rs.500 per month
    Card replacement fee Rs.100
    FTF (Foreign Transaction Fee) 1.99%

    HSBC Advance Visa Platinum Card

    The HSBC Advance Visa Platinum Credit Card has been designed to complement your lifestyle. The card comes with a host of offers and privileges that range from dining to shopping and more.

    Features and Benefits of Advance Visa Platinum Card

    Some of the features and benefits of Advance Visa Platinum Card are:

    • Get Amazon voucher worth Rs.250/3 complimentary airport lounge access at domestic and international lounges/3 meal vouchers at airport restaurants in India as welcome privilege for a transaction of Rs.500 within 30 days of card issuance. (Valid till 30 June 2021)
    • No joining and annual fees.
    • Avail discounts on movies, flights, restaurants, and more.
    • Fuel surcharge waiver for transactions between Rs.400 and Rs.4,000 at any fuel station across the country.
    • Earn 5X rewards on subsequent purchases made after crossing spend amount of Rs.4 lakh in an anniversary year.
    • Up to 15% discount at over 1,000 restaurants in major cities.
    • Air miles conversion on InterMiles, British Airways, and Singapore Airlines.

    Fees and Charges of Advance Visa Platinum Card

    Type of Fee Charges
    Joining fee Nil
    Annual fee Nil
    Add-on charges Nil
    Interest-free period Up to 52 days
    Finance charges 3.49% per month (41.88% per annum)
    Cash advance limit As communicated in the monthly card statement.
    Cash advance fee 2.5% of the total transaction amount (Rs.500 minimum)
    Fee for cheque pickup
    • Rs.50 for cheque value up to Rs.10,000
    • Rs.100 for cheque values from Rs.10,001 to Rs.1,00,000
    • Rs.150 for cheque values above Rs.1,00,001
    Duplicate statement fee Nil
    Late payment charges 100% of the minimum payment due (minimum of Rs.250 and a maximum of Rs.1,200 every month)
    Over limit fee Rs.500 per month
    Card replacement fee Nil
    Cash payment charge Rs.100

    How to Apply for HSBC Lifetime Free Credit Cards?

    You can apply for HSBC Lifetime free Credit cards in three ways. You can open it online by visiting the bank website and following the steps mentioned there. There is also the option of visiting a bank branch along with the necessary documents or calling the HSBC credit card customer care cell of the bank at 1800 266 3456 or 1800 120 4722 to apply for a credit card.

    HSBC Lifetime Free Credit Card FAQs

    1. How can I check the status of my application?

      To know the HSBC credit card application status, you can call the Phone Banking number in your city.

    2. How many additional cards can I request on my credit card?

      You can apply up to 3 add-on cards in addition to the primary card.

    3. Will I need to pay an extra charge for using the card overseas?

      No, you will not be charged anything extra for using the credit card overseas as they are valid internationally.

    4. Can I make the payment of my credit card bill through NEFT?

      Yes, you can make the payment of your bill through NEFT. For making the payment, the IFSCcode which needs to be used is HSBC0400002.

    5. How long does it take for a cheque payment to reflect in the card account?

      It takes three (3) working days for a cheque payment to reflect in your card account.

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