Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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.
Listed below are the HSBC Lifetime Free credit cards:
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.
Some of the features and benefits of the card are as follows:
| 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 |
|
| 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 |
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.
Some of the features and benefits of the card are as follows:
| 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 |
|
| 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 |
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.
The features and benefits of Smart Value credit card offered by HSBC Bank are:
| 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 |
|
| 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 |
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.
The features and benefits of the card are as follows:
| 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 |
|
| 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% |
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.
Some of the features and benefits of Advance Visa Platinum Card are:
| 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 |
|
| 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 |
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.
To know the HSBC credit card application status, you can call the Phone Banking number in your city.
You can apply up to 3 add-on cards in addition to the primary card.
No, you will not be charged anything extra for using the credit card overseas as they are valid internationally.
Yes, you can make the payment of your bill through NEFT. For making the payment, the IFSCcode which needs to be used is HSBC0400002.
It takes three (3) working days for a cheque payment to reflect in your card account.
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