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.
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.
|Type of fee or charge||Amount (Rs.)|
|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|Cash withdrawal fee (Bank branches or Domestic ATMs)||2.5% of the withdrawn amount or a minimum of Rs.300|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:
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