HSBC Bank offers a variety of credit cards to its customers. Some of the HSBC credit cards, such as HSBC Visa Platinum 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 offers lifetime free credit cards, which means no annual fees for as long as you have the card. These cards provide various benefits like rewards, discounts, and easy payment options without paying an annual fee. It is a great choice for those looking to save on fees while enjoying useful perks.
Listed below are the HSBC Lifetime Free credit cards:
The HSBC Visa 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:
The customers must fulfill the eligibility criteria mentioned below to apply for HSBC Visa Platinum Credit Card:
The fees and charges applicable on HSBC Visa Platinum credit cards are given in the table below:
Type of Fee | Charges |
Joining fee | Nil |
Annual fee | Nil |
Add-on charges | Nil |
Finance charges | 3.75% per month (45% per annum) |
Cash advance limit | 2.5% of the transaction amount (minimum of Rs.500) |
Cash advance fee | 2.5% of the total transaction amount (Rs.500 minimum) |
Charges applied for bounced cheque | Rs.500 |
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 or 2.5% of the overlimit amount (whichever is higher) plus GST |
Card replacement fee | Nil |
FTF (Foreign Transaction Fee) | 3.5% |
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 3456,1800 120 4722, 1800 267 3456, or 1800 121 2208 to apply for a credit card.
To apply for HSBC Visa Platinum credit card online, follow the below-mentioned steps:
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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