Mrs. Sharma enjoys cashback on all her retail purchases. You could too! Get A Card
This card is currently not offered to new customers.
The HSBC Spencer’s Happy Ties Card has been launched by HSBC in conjunction with Spencer’s Retail. This is an international credit card that not only offers a viable substitute for cash, but also acts as a license to earn you discounts and rewards on every spend made at Spencer’s Retail.
There are three variants of this card:
The HSBC Spencer’s Happy Ties Classic Card.
The HSBC Spencer’s Happy Ties Gold Card.
The HSBC Spencer’s Happy Ties Platinum Card.
And each of these cards earn progressively higher rewards points on spends made at Spencer’s and at other merchants.
Highlights of the HSBC Spencer Credit Card
Extra rewards points when spending at Spencer’s Retail.
Mr. Sharma is enjoying free airport lounge access with his Credit Card. What about you? Get A Card
Lower interest payments: The HSBC Spencer’s card offers a lower interest rate than most other cards in the same category of lifestyle shopping credit cards. What’s more, the balance transfer and EMI facilities have been designed in such a way that it benefits the merchant, the customer, and the bank as well.
Online banking: Cardholders can conduct their banking operations online, as this card provides the credentials required to access HSBC’s unique and secure online banking facilities. View unbilled transactions, pay your outstanding bills, get a detailed report of your previous statement, etc. on the online portal.
Supplementary cards: Cardholders can extend the benefits of using this card to their loved ones, as 2 supplementary cards are offered in addition to the primary card.
Limited liability: In the case that the card is stolen or lost, customers can call the 24x7 customer care call centre and report the same, for all transactions (whether fraudulent or not) that are carried out prior to informing the bank will be treated as legitimate expenses, to be borne by the cardholder. Intimating the bank early is very important.
International acceptance: This card is accepted at over a million ATMs and around 18 million merchant establishments worldwide.
Rewards points with the HSBC Spencer’s Classic Credit Card: Using this card regularly and at the right place can earn the cardholder a decent amount of rewards points. These rewards points can later be redeemed against purchases for discounts, etc.
Every Rs.100 spent at Spencer’s Retail earns the cardholder 8 reward points.
Every Rs.100 spent elsewhere earns the cardholder 3 rewards points.
Rewards points with the HSBC Spencer’s Gold Credit Card: Using this variant of the card allows cardholders to earn:
Every Rs.100 spent at Spencer’s Retail earns the cardholder 11 rewards points.
Every Rs.100 spent elsewhere earns the cardholder 3 rewards points.
Rewards points with the HSBC Spencer’s Platinum Credit Card: This variant of the card enables the earning of rewards points in the following way:
Every Rs.100 spent at Spencer’s Retail earns the cardholder 14 rewards points.
Every Rs.100 spent elsewhere earns the cardholder 4 rewards points.
Eligibility & Documentation
Minimum age: 18 years.
Duly filled out and signed application form.
For salaried applicants – salary slips.
For self-employed applicants – bank and income statement.
HSBC is not currently accepting applications for this card, as they have discontinued it according to the official website.
Fees and other charges
This information is also unavailable for a discontinued card.
Are there any extra rewards points that can be won?
Depending on the variant of the card chosen by the customer, up to 14 points can be earned on every Rs.100 spent at Spencer’s retail, and up to 4 points on every Rs.100 spent elsewhere.
How liable is a customer to pay for fraudulent transactions made using a stolen HSBC credit card?
The customer is liable to pay for all purchases and spends that have occurred till the time of registering the complaint with HSBC. The best thing to do when a cardholder realises that his/her card is missing is to report it to the bank immediately.
What are some of the unique benefits that Spencer’s promises with this card?
Spencer’s has joined hands with HSBC to launch this card, which means that they will treat their customers in a very special way by offering them exclusive deals, vouchers, packages, reward point bonuses – cardholder specific discounts are also a possibility that hasn’t been ruled out.
What are some of the ways in which interest rates can be managed on this card?
While the base interest rate on which the card functions cannot be changed, customers can take some proactive steps in order to ensure that they don’t end up paying double or triple the amount they’ve spent. Balance transfers and the facility whereby purchases can be converted into EMIs are two innovative ways in which HSBC allows customers to protect themselves from high interest rates.
Is there a cash advance facility with this card?
Yes, cash can be withdrawn from any of over 1 million ATMs present all over the world.
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I started usign HSBC card, the offers are good even I booked movie ticket and grocery shoppings. I am getting cash back and discounts for the transactions. Last time I asked for emi but they didn't provide that, they told will get back but I didn't get any response hence they need improvement.
HSBC is not charging me any annual fee and the customer service is good because whatever services I have used and got a proper response. But I faced some problems with previous experience technically and there is no coordination between the IT department because I made a payment and it does not reflect immediately. The charges are very huge for EMI conversion and its around 16 -17%.
I am using HSBC Bank credit card which was applied through Online .I have not faced any issues so far on using this credit card .I have got the credit cad on delay basis and the reason was document collected very late due to this it was a delay .The credit limit was good and it was sufficient as well and this was a free card .
HSBC service is very good and also the charges are very minimal and they offered me life time free beneficial credit card. This is my first month of this credit card, the response is prompt, I am getting regular alert messages about my credit card transactions.
I had applied HSBC VISA PLATINUM CARD online. I received the card on time. Credit limit is sufficient for me and there is no annual fee. Their customer service is very good. Documentation and verification was done on time and I had received the card on time
I applied an HSBC VISA PLATINUM CARD online. I had received the card on time and credit limit is also sufficient for me. There is no annual fee. I am receiving message on time. I am not happy with the reward points. It's not much helpful like my other credit cards.
Once or twice I used the HSBC credit card, the I had issue to make the payment in their gateway I don't know where to make my payment. In their website I could find the payment option. The customer support is very great but if they make their gateway similar then I would recommend.
I had applied for HSBC VISA PLATINUM credit card which has nominal credit limit, annual fee charges are zero, there are good EMI options available but took 20 days to approve the credit card and it has good cash back and reward points offers.
The offers are good with HSBC BANK. I am satisfied with the credit limit which is good. The EMI options are good and the interest rate is affordable. The annual fee charges are zero. It took 5 days to deliver the card and the documentation process is simple.
No specific reason for choose this HSBC credit card. While ordering the food from restaurants through Swiggy, i get some offers. I haven't use the card so much. It 1 month to dispatched the card. I'm happy about the limit given to me. I got the first month bill and its easy to make the payment through online.
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ANUJITH C AMBADI
Reviewed on Aug 30, 2019
HSBC credit card has hassle free operation, they don't have any hidden charges with informative features and they do have attractive offers at any e commerce and direct offline stores. I am holding free card which has lots of benefits. The customer support is also helpful for my queries.
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Reviewed on Aug 30, 2019
I have HSBC Bank credit card which was applied through Online .The credit limit was really good and there was no difficulties faced ,There are good reward points as well as cash back offers .I have got the credit card on time and there was cash back for each transaction for the first 2 months that is the best thing .
I am using HSBC Visa Platinum card which was applied through Online .This card is good to use and satisfied with the credit limit as well.There are good reward points as well as cash back offers .This was a free card and everything was good on this portal .While submitting the documents the process was smooth .
I have HSBC Bank credit card which was taken trough Bank directly .I was using this credit card for last 6 months only. But without any intimation the card was closed, bankers also not informed about it. The credit limit was good and sufficient at that time.It is a life time free credit card.
They have digital information in HSBC. I had a fraud transaction on my card when i contact the customer care immediately as per the RBI rules They have asked me to fill the form in the bank after i have done everything. They have helped me but they have not provide the refund the money. In this part, i'm not satisfied with the HSBC services.
I am using different credit cards for HSBC this is the first time i'm getting the card from them hence i need to check their services. They have very good offers. 2 months ago, i got this card. I'm having a limit of RS. 70000 but based on my salary slip, my expectation was more than Rs. 2 lakhs even my credit score is good.
I have HSBC Bank credit card which was taken trough Bank directly .I am using this credit card for the past 4 years .The credit limit was really good and the agent gave a clear picture about the card process .This card is good to use and there was no drawbacks faced so far .I am really satisfied with service .
I am using HSBC Bank credit card which was applied through Online.I have got the credit card on time and the agent gave a clear picture about the card process as well.I am really satisfied with the credit limit and i have got the limit upto 1,37,000.I have got cash back offers and reward points as well .The process was really good while submitting the documents .
HSBC is a international bank hence it has a lots of benefits like the rewards points. If we are swiggy, there is lots of discounts are available. I didn't get any joining benefits. There is no annual fee and its a life time free credit card. They have dispatched the card on time. I haven't made not even a single transaction from this card.
The reason for taking the credit card, HSBC is a good bank and have lot of offers for the credit card. The rate of interest and charges were nominal. Its a visa Platinum card and they give me a very good limit. It does not have annual fee. I am using the card for less than a month and got offers from Big Basket.