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  • HSBC Smart Value Credit Card

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    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. 

    Key Highlights of the HSBC Smart Value Credit Card

    • The Smart Value Credit Card is suitable for people who use their credit card on lifestyle expenses like shopping and dining.
    • You get special discount on categories like dining, movies, and telecom.
    • This special HSBC card has no joining fees.
    • Spend at least Rs.50,000 in a year and the annual fee for the next year will be waived off.

     Lifestyle Benefits with the HSBC Smart Value Credit Card 

    • You earn 3X rewards on categories like online, dining, and telecom.
    • You also get attractive deals on movie tickets.
    • The card also gives you travel and gift vouchers.

    Features and Benefits 

    Introductory offers 

    • BookMyShow vouchers worth Rs.200 within 60 days of the card issuance.
    • You will also receive complimentary Gaana+ subscription for 3 months within 60 days of card issuance. Redemption must be done within 30 days of receiving the coupon code.

    Welcome benefits 

    • Use the card to make a purchase within 30 days of card issuance and get a Cleartrip voucher worth Rs.2,000. The vouchers will be sent to you within 60 days after completing 30 days from card issuance.
    • Make a minimum of 5 purchase transactions of total worth Rs.5,000 or more within first 60 days of card issuance and get 10% cashback on the spent amount. The cashback amount is, however, capped at Rs.1,000 per customer.
    • For products booked within 90 days of the card issuance, you can avail attractive EMI instalment plans at 10.99% per annum.

    Reward program:

    • You earn 1 reward point on every Rs.100 spent on the card. 
    • You earn 3X reward points on online shopping, telecom relate and dining with a maximum of 1,000 points per month.
    • The accrued points can be redeemed for a variety of gifts and vouchers from HSBC rewards catalogue.

    Movie benefits: Spend Rs.15,000 in a calendar month and win a voucher worth Rs.200 from BookMyShow. The maximum voucher amount is capped at Rs.1,200 per calendar year. 

    Annual fee waiver: If the total spends in a year exceed or is equal to Rs.50, 000, the annual fee for the next year will be waived off. In case, you aren’t eligible for the fee waiver. 

    Access to various EMI products:The HSBC credit card offers you various EMI products like Cash-on-EMI, Loan-on-Phone, Instant EMI, Balance Conversion, and balance transfer. 

    Other features:In addition to the above-mentioned facilities, HSBC Smart Value Card also offers regular credit card benefits such as cash withdrawal facility, global acceptance, extended credit facility, 24x7 customer assistance and lot more.

    Fees and Charges 

    Type of fee or charge Amount (Rs.)
    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

    Eligibility criteria 

    You need to meet the following criteria to be eligible for the HSBC Smart Value Credit Card: 

    • You are a resident of India.
    • Your age is between 18 years and 65 years.
    • You are a salaried individual.
    • Your minimum income is at least Rs.3 lakh per annum
    • The card is only available in select Indian cities including Delhi, Mumbai, Kolkata, Pune, Noida, Bengaluru, Chennai, Gurgaon, Pune, and Hyderabad.

    Documents Required 

    • For salaried employees, salary slip or employment certificate.
    • Photocopy of credit card and latest credit card statements of your other credit cards.
    • Latest copy of pay slip and last 3 months bank statements indicating salary credits.
    • Documents common for both - Proof of identity, residence proof, PAN card, or Form 60.
      

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    HSBC Smart Value Credit Card Reviews

    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have received my HSBC SMART VALUE CARD on time. I applied it through Bankbazaar.com. Credit limit is sufficient for me. Their customer service is very responsive and helpful. It's lifetime free card. The features of this card are very good.
      Was this review helpful? 0
      , delhi
      Reviewed on Aug 21, 2019
    • HSBC Bank
      HSBC Bank Credit Card
      "Need to experience a card"
      0.5 4.0/5 "Great!"
      I have a credit card from HSBC bank. Some product specification was good on this card hence i purchased the HSBC card. It took 25 days to receive a card. I'm satisfied with the credit limit of the card. There is no joining fee and annual fee also.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 04, 2019
    • HSBC Bank Credit Card
      "Better service"
      0.5 5.0/5 "Blown Away!"
      I have been using HSBC Smart Value credit card for a month. The credit limit is very good. I have done only one transaction and got few reward points. They told to me, its a life time free credit card. The documents are personally collected by the executive. They have delivered the card on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2019
    • HSBC Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      Still I'm not using the card because the card is not activated due to pin. I missed the pin number somewhere and i called the customer care to resend the pin number but still it has not come and i have checked credit limit and its sufficient for me. I got the card on time and i never faced any other issues from the card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 11, 2019
    • HSBC Bank Credit Card
      "Good card with facilities"
      0.5 3.0/5 "Satisfactory"
      I haven't received the credit card statement yet but there is no notification through mails, SMS and calls but I'm getting a calls regarding the over due of calls and those people said they have sent a mail when i check in inbox i haven't received. I don't have a HSBC account hence i am unable to access about the credit card banking and mobile app. There is no clear communication from them. Card is fine but there is no follow up from the customer care. I called once but they were polite to talk to me after that there is a long way to contact them. The interest rates are competitive with other banks. I can't convert my large purchase into EMI.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HSBC credit card which was applied through Online .The agent gave all the information about the card process ,gave all the other card details and also gave all the other card details as well The credit limit was also good , There are cash back offers are there .The deadline for joining voucher is 60 to 90days ,while submitting submission no issues process of applying and getting card is also good ,chat bot reply is needed .travel and shopping offer are good .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 30, 2019
    • HSBC Bank Credit Card
      "Very bad service"
      0.5 1.0/5 "Really Bad"
      I have not received the HSBC smart value card still now. I have called the customer care service to complaint about the issue but they are saying that they have not received the application and i have not get any update so far. I like the benefits hence i have chosen this particular credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for HSBC Bank credit card through Online ,I have received the credit card on time without delay ,the credit limit is good ,there are cash back offers ,smart value card applied got the same card,not explored much so far ,easy to use ,hassle free process ,this card is useful ,it is acceptable on all place .
      Was this review helpful? 0
      , pune
      Reviewed on May 14, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken a HSBC Smart value credit card through online channel. The process was on time and its fine. The executive came to my place and collected the documents. I am happy with the credit limit and there is no annual fee for the card. Overall its good.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 13, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had selected the HSBC SMART VALUE CARD since the features and the benefits with the card was pretty good, the overall process in getting this card has been pretty much simple and they had delivered the card on the promised time. I am happy with the credit limit which they had given with this card and the annual charges with this card will get waved off as per the usage.
      Was this review helpful? 0
      , chennai
      Reviewed on May 10, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for this HSBC Bank Credit card through Online .I have not faced any issues so far ,I have received the credit card on time ,The agent gave all the details of the card ,There are cashback offers and reward points as well I have started using the card good to use ,only uploaded the documents online and no physical documents submitted, This credit card i have chosen since have movie ticket booking offer.
      Was this review helpful? 0
      , chennai
      Reviewed on May 08, 2019
    • HSBC Bank Credit Card
      "Very good"
      0.5 4.5/5 "Excellent!"
      many type offer so I chose this card , and this is free card , no need any annual charges hare , and credit limit is good , their allover service is good , Recently I got this card so I can't explain much more , but I want to personal loan same bank then I call no response ,
      Was this review helpful? 0
      , chennai
      Reviewed on May 03, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for HSBC Bank Credit card through Online ,This credit card is very good to use .This is a free card and have good cashback offers and reward points .The credit limit was good .There was no fuel surcharge.I have received the credit card on time without any delay .The agent gave all the required information about the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 03, 2019
    • HSBC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I got one HSBC SMART VALUE CARD , on time approx four days after approval , and this is free card no need any annual charges hare , and rewards point offer here , credit limit is sufficient , and their customer support is good , I am satisfied with this credit card ,
      Was this review helpful? 0
      , bangalore
      Reviewed on May 02, 2019
    • HSBC Bank Credit Card
      "Very good"
      0.5 4.5/5 "Excellent!"
      I am not using more then so I can not comment but this is free card and rewards point offer available in this card , I am satisfied with this limit and their customer service is good and response properly , when I submitted document through off-line within fifteen days taken time,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 31, 2019
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I had chosen to go with this card since it has a lot of joining benefits like cash back offers, free movie tickets, and there is no joining fee or annual charges with this card. Going forward it is a growing concern where there will be offers on the online shopping portals. They had also provided me with a decent credit limit as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 29, 2019
    • HSBC Bank Credit Card
      "Need to increase the limit"
      0.5 4.0/5 "Great!"
      The interest rate is okay. I have taken HSBC Visa Platinum credit card through online channel. The credit limit is normal and they don't charge annual fee for this card. The card was delivered within a week. The documentation procedure was simple.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 26, 2019
    • HSBC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got Hsbc bank credit card last 20 days . Service provided by Hsbc bank is good and their response is good . This card is life time free card this is good card I used for multipurpose .After approval card i got after 10days I satisfied with limit and reward point offer in this card .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 12, 2019
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since the reward point system with this card has been quite good. The process in getting this card has been quite smooth and the card was delivered to me on time. I am happy with the credit limit which they had given with this card and they had also explained me with the benefits and the features with this card where it is a life time free card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 18, 2019
    • HSBC Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      First time i have tried with the HSBC Credit card because of the offers and i have got the same. I get a fuel sur charges waiver and cashback offers on restaurants and movie ticket offer also. I'm satisfied with the credit limit. There is no annual fee in this card.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Feb 01, 2019
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