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  • HSBC Westside Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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    HSBC Westside Credit Card

    This card is currently not offered to new customers.

    HSBC has launched a co-branded credit card with the Westside chain of lifestyle stores. The card is designed for the discerning few who take shopping and lifestyle maintenance as seriously as everyone should. The card entitles shoppers to a host of special services like sale previews, gift vouchers, their own billing counters at the store, etc.

    Not only the does the card prove itself as an effective and efficient replacement for cash, it also provides the kind of VIP rewards and service that one would expect from an elite-level card. The burden of carrying hard cash will be a thing of the past with this card.

    Highlights of the HSBC Westside Credit Card

    • Exclusive sale previews.
    • Preferential discounts.
    • Complimentary gifts.
    • Effective replacement for hard cash.
    • Helps build credit scores with prudent use.
    • Rewards points are active on this card.
    • Worldwide recognition and usability.

    Benefits

    • Lower interest payments: The HSBC Westside card offers a lower interest rate than most other cards in the same category of lifestyle shopping credit cards. What’s more, the balance transfer and EMI facilities have been designed in such a way that it benefits the merchant, the customer, and the bank as well.
    • Online banking: Cardholders can conduct their banking operations online, as this card provides the credentials required to access HSBC’s unique and secure online banking facilities. View unbilled transactions, pay your outstanding bills, get a detailed report of your previous statement, etc. on the online portal.
    • Supplementary cards: Cardholders can extend the benefits of using this card to their loved ones, as 2 supplementary cards are offered in addition to the primary card.
    • Limited liability: In the case that the card is stolen or lost, customers can call the 24x7 customer care call centre and report the same, for all transactions (whether fraudulent or not) that are carried out prior to informing the bank will be treated as legitimate expenses, to be borne by the cardholder. Intimating the bank early is very important.
    • International acceptance: This card is accepted at over a million ATMs and around 18 million merchant establishments worldwide.

    Features

    • Rewards points: Using this card regularly and at the right place can earn the cardholder a decent amount of rewards points. These rewards points can later be redeemed against purchases for discounts, etc.
    • 4 rewards points can be earned for every Rs.100 spent at Westside.
    • 1 reward point can be earned for every Rs.100 spent elsewhere.

    Eligibility & Documentation

    • Minimum age: 18 years.
    • Documents required:
      • Duly filled out and signed application form.
      • For salaried applicants – salary slips.
      • For self-employed applicants – bank and income statement.
      • Proof of identity.
      • Proof of address.

    How to apply

    HSBC is not currently accepting applications for this card, as they have discontinued it according to the official website.

    Fees and other charges

    This information is also unavailable for a discontinued card.

    FAQs

    1. Are there any extra rewards points that can be won?

      Yes, this card enables cardholders to earn up to 4 rewards points for every Rs.100 spent at Westside. However, all other spends earn up to 1 reward point.

    2. How liable is a customer to pay for fraudulent transactions made using a stolen HSBC credit card?

      The customer is liable to pay for all purchases and spends that have occurred till the time of registering the complaint with HSBC. The best thing to do when a cardholder realises that his/her card is missing is to report it to the bank immediately.

    3. What are some of the unique benefits that Westside promises with this card?

      Westside has joined hands with HSBC to launch this card, which means that they will treat their customers in a very special way by offering them home delivery of altered products, an exclusive billing counter, and exclusive pre-sale previews.

    4. What are some of the ways in which interest rates can be managed on this card?

      While the base interest rate on which the card functions cannot be changed, customers can take some proactive steps in order to ensure that they don’t end up paying double or triple the amount they’ve spent. Balance transfers and the facility whereby purchases can be converted into EMIs are two innovative ways in which HSBC allows customers to protect themselves from high interest rates.

    5. Is there a cash advance facility with this card?

      Yes, cash can be withdrawn from any of over 1 million ATMs present all over the world.

      *Please note that all promotions, amounts, rewards, tenures, repayment requirements, time frames, interest rates, other rates, charges, fees, ceilings, requirements, criteria, features, benefits, exclusions, calculations, ratios, averages, ratings, services provided, terms and conditions mentioned above are as of November, 2016, and are subject to change at any time. All banks / NBFCs / insurance providers / financial service providers / companies, etc. mentioned above retain all rights to modify, replace, or add to or subtract from any of the above, in any way, at any time, and at their own discretion. You are requested to reconfirm the same with your chosen bank / company / NBFC / insurance provider / financial service provider, etc. before making any financial commitments.

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