Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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.

    HSBC Smart Value Credit Card 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.

    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:

    • 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.

    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 HSBC credit card customer care and lot more.

    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.

    Fees and Charges of HSBC Smart Value Credit Card

    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

    HSBC Smart Value Credit Card 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 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

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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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