The HSBC Smart Value Credit Card offers a host of lifestyle privileges to the users. It comes with an excellent reward points program that would add to your happiness every time you use it for your daily transactions. Also, it carries no joining fee. If you’re looking for a credit card that provides value for every penny spent through it, you should apply for the HSBC Smart Value Credit Card. Besides offering multiple introductory benefits such as free vouchers and instant cashbacks, it provides accelerated rewards on multiple categories.
Introductory offers
Welcome benefits
Movie benefits:
Annual fee waiver:
Access to various EMI products:
Other features:
Reward program:
Know about HSBC Credit Card Reward Points
| Type of Charge | Amount |
|---|---|
| Joining fee | NIL |
| Annual fee | Rs.499 (Waived off on spending Rs.50,000 in a year) |
| Interest charge | 1.99% per month to 2.99% per month |
| Cash withdrawal fee (Bank branches or Domestic ATMs) | 2.5% of the withdrawn amount or a minimum of Rs.300 |
| Cash withdrawal fee (International ATMs) | Rs.100 |
| Reward points redemption fee | Rs.50 per request |
| Interest charge on cash withdrawal | 3.3% per month |
| Duplicate statement fee | Rs.100 per statement which is older than 3 months |
| Cheque bounce fee | Rs.350 |
| Annual fee for add-on cards | NIL |
| Overlimit fee | Rs.500 per month |
| Late payment fee | 50% of minimum amount due subject to a minimum of Rs.400 and maximum R.750 |
| Charge slip retrieval charge | Rs.225 per month |
| Card re-issue fee | Rs.100 per request |
| Foreign currency mark-up fee | 3.5% |
| Credit card bill payment at HSBC branches and drop-boxes | Rs.100 |
You need to meet the following criteria to be eligible for the HSBC Smart Value Credit Card:
The bank may charge an interest at the rate of 3.49% per month or 41.88% per annum. However, the interest rate may go down to 1.99% per month or 23.88% per annum depending on your risk profile.
Yes, you can visit the nearest HSBC branch along with all the relevant documents and submit it including the application form.
The possible reasons behind your credit card getting rejected can be you submitting incorrect documents or the details mentioned on your application form not matching the ones on the documents. If your credit score is low then the lender may reject your application. The other possible reason might be you not meeting the eligibility criteria.
In case you lose your credit card, you must immediately get in touch with the bank’s customer service and get your credit card blocked.
Yes, you can apply for a credit card even after your application was rejected the first time provided you submit all the correct documents and ensure your credit score is healthy. You must also make sure you meet the eligibility criteria before applying for the card.
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