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.
HSBC Smart Value Credit Card Features and Benefits
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.
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.
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:
With HSBC credit card EMI customers get offers on various EMI products like Cash-on-EMI, Loan-on-Phone, Instant EMI, Balance Conversion, and balance transfer.
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 HSBC credit card customer care and lot more.
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.
Documents Required for HSBC Smart Value Credit Card
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.
HSBC Smart Value Credit Card FAQs
What is the interest rate charged by the bank if I delay the payment of my outstanding bill?
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.
Can I apply for this credit card offline?
Yes, you can visit the nearest HSBC branch along with all the relevant documents and submit it including the application form.
What can be the reasons behind my credit card application getting rejected?
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.
What should I do in case I lose my credit card?
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.
Can I apply for a credit card again after my application was rejected the first time?
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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