Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    HSBC Credit Card Reward Points

    For HSBC Bank their customers are very important, which is why all their products are designed in a way that provides maximum benefits to the consumers. These benefits offered by the bank vary depending on the products. Say, if you purchase a HSBC credit card, then you can earn points on the purchases that you make using your card. These points can be redeemed to avail various rewards. The different types of Points offered by HSBC currently are as follows –

    Type of Points Programme Name
    Reward Points Rewards Programme (which includes the Accelerated Rewards Programme)
    Extra Points Extra Points Programme

    Cardholders of the bank can earn Reward points from the Rewards Programme and Extra Points from the Extra Points Programme. The Reward points are awarded on the purchases people make using their HSBC Credit Cards. The Extra Points are awarded to people when they purchase anything with the Extra partners. The redemption catalogue is different for both the programmes.

    How can I earn rewards points under the HSBC Credit Card Rewards Programme?

    Rewards Programme and Accelerated Rewards Programme:

    Under the HSBC Credit Card Rewards Programme and the Accelerated Rewards Programme, credit card customers of the Bank can earn points when they make any purchases using their cards. Cardholders can also earn Reward Points by transferring their Extra Points to their HSBC Reward Points account. For 100 Extra Points, they will get 150 HSBC Reward Points.

    Find the number of points that customers can earn on their credit cards from the chart below:

    Credit Card Type Rewards Programme Accelerated Rewards Programme
    HSBC Visa Platinum Credit Card 2 Reward points for every Rs.150 spent 5x Reward points for purchases made after spending between Rs.4, 00, 000 – Rs.10, 00, 000 in a year
    HSBC Advance Visa Platinum Credit Card 2 Reward points for every Rs.150 spent 5x Reward points for purchases made after spending between Rs.4, 00, 000 – Rs.10, 00, 000 in a year
    HSBC Classic Credit Card 1 Reward point for every Rs.250 spent on purchases -
    HSBC Gold Credit Card 1 Reward point for every Rs.100 spent on purchases -
    HSBC Premier Credit Card 2 Reward points for every Rs.100 spent on purchases -

    People who have a HSBC Co – Branded Credit Card or a HSBC Private Label Credit Card are not eligible for the Platinum, Premier, Gold and Classic cards Rewards Programme.

    Cardholders can redeem their Rewards points to purchase products/ services in various categories such as garments, gift vouchers, home appliances, air miles, cosmetics, charities, electronics, fashion accessories, jewellery, etc.

    The HSBC Rewards point conversion ratio is not the same for all the categories. For Example – In case of air miles, the conversion ratio is:

    Airline Name Rewards Point Conversion Ratio
    Jet Airways 2 points is equal to 1 JP Mile (JP stands for Jet Privilege)
    Singapore Airlines Kris Flyer 1 point is equal to 1 Kris Flyer Mile

    Taj Inner Circle Points: Taj Inner Circle programme members, who have HSBC credit cards that are eligible for the Rewards Programme, can earn Taj Inner Circle Points when they spend money using their cards at Taj Hotels located in and outside India. Cardholders can request HSBC bank to convert their Taj Inner Circle points to Rewards points, which will be credited by the bank to their Taj Inner Circle accounts within 7 working days. The conversion ratio for Taj Inner Circle Points is mentioned below –

    Taj Inner Circle Programme Conversion Ratio
    200 Taj Inner Circle Points = 1000 Rewards Points

    Apart from the above, HSBC Bank has an introductory offer for people who apply for a new credit card with them. As per this offer, applicants can earn Reward points when they apply for the following cards –

    Introductory Offer:
    Credit Cards Reward Points Applicable category Offer Validity
    HSBC Visa Platinum Credit Card 3x Reward points Hotels, dining and telecom 12 months from the date of issue
    HSBC Advance Visa Platinum Credit Card 3x Reward points   12 months from the date of issue
    HSBC Premier Credit Card 15, 000 Reward points   20th March, 2016 to 30th June, 2016

    Extra Points Programme:

    HSBC Bank Credit Cardholders can earn Extra Points then when they spend money (minimum Rs.100) using their cards at any Extra partners of the bank. These points are awarded to customers over their Reward points. To enrol in this programme, cardholders have to inform HSBC bank that they wish to receive marketing offers from the bank. They can inform by filling and submitting the marketing form at any branch of the bank.

    Cards Eligible for Extra Points Programme
    HSBC Premier MasterCard Credit Card
    HSBC Visa Platinum Credit Card
    HSBC Advance Visa Platinum Credit Card
    HSBC Gold Credit Card – Both Visa and MasterCard

    Some of the Extra partner stores of HSBC Bank are Capital Electronics, Cox & Kings, Ferns N Petals, Makemyhome, Minawala, etc. The spend categories are as follows –

    Spend Categories applicable for Extra Points:

    Automotive
    Accommodation
    Chemist
    Books
    Apparel, Footwear, Lingerie, night wear
    Department Stores
    Dining
    Electronics
    Education
    Luggage
    Gifts
    Retail Gourmet
    Grocery
    Health and Wellness
    Home Furnishing
    Online Shopping
    Optical
    Sports, Swimwear
    Supermarket
    Telecommunication
    Jewellery
    Watches
    Travel

    The Extra Points earned by cardholders can be redeemed to earn rewards. The cardholders can also choose to convert their Reward points to Extra Points by requesting the bank to transfer their balance Reward points to their Extra Points account. In this case, the conversion ratio is 1.5:1.

    Perfect Credit Card Deals for you

    How to Redeem HSBC Credit Card Reward Points:

    Rewards Programme and Accelerated Rewards Programme:

    Credit Card customers can redeem their Reward points from the HSBC Rewards Catalogue. The Rewards Catalogue is divided into different categories, which are as follows –

    Categories
    Annual Fees Catalogue
    Gifts Catalogue
    Gift Vouchers Catalogue
    Air miles for Jet Airways and Singapore Airlines (Not available for online redemption)
    Charities Catalogue
    Premier Catalogue
    Green Rewards Catalogue
    Jet Airways Vouchers

    Each Catalogue has a list of products, which the customers can choose from. They can then redeem their points to purchase the products they like. The Rewards points can be redeemed by the primary card holders only and the bank will charge a handling fee of Rs.50 per redemption. Even if cardholders purchase anything using their add – on cards, the points will be credited to the primary card.

    Redemption Process:

    To redeem their Reward points, HSBC Credit Cardholders can do one of the following things:

    • Cardholders can redeem their Reward points by filling up the redemption form and sending it to the bank via fax or post.

        Fax Number – 044 4291 0964

        Postal Address – ‘HSBC Card Products Division, Post Bag No. 5080, Chennai – 600028’

    • They can contact HSBC Phone Banking Facility to redeem their Reward points
    • They can visit the bank’s website to redeem their Reward points

    If customers wish to redeem their points online, they will require an Internet Banking ID and password. HSBC Bank will take 3 weeks to process the redemption requests.

    The Reward points work according to the Rolling Expiry System. According to this system, your points are valid for your credit card for a certain number of years, say 2 years. If you do not redeem them at the end of the first year of your membership, then they will expire at the end of the 2nd year. The first year will begin from the date of issue of the credit card. The Reward points validity period for the different cards are mentioned below –

    Credit Card Reward points validity
    HSBC Gold Credit Card 2 years
    HSBC Classic Credit Card 2 years
    HSBC Platinum Credit Card 3 years
    HSBC Premier Credit Card 3 years

    Taj Inner Circle Points Redemption:

    The Taj Inner Circle programme is included in the Rewards Redemption programme of HSBC Bank and the credit cardholders who have earned Taj Inner Circle Points can redeem them to avail gifts, meals and holidays at the Taj, etc. Cardholders can choose to convert their points as well by placing a request for the same with the bank.

    HSBC Credit Card Rewards Redemption Form Download:

    Credit Card customers of HSBC Bank can download the Rewards Redemption form from the website of the bank. They can find the form in the ‘Rewards Programme’ section under the ‘Credit Cards’ section of the website.

    Extra Points Programme:

    HSBC Credit Cardholders can redeem their Extra Points to earn rewards from various categories. Some of them are:

    Categories Details
    Bill Credits The Extra points will be transferred with the bill partner within 10 working days
    Accessories If cardholders have a reward voucher, they should utilize it before the voucher expires
    Books
    Accommodation
    Vouchers (Dining, DTH, Dessert, Marriot F&B, Restaurant, Jewellery, Salon, Supermarket, The Leela Palace, etc.)
    Electronics
    Jewellery
    Fuel
    Entertainment
    Home appliances
    Luxury Collection
    Experiences
    Shopping
    Travel Accessories
    Travel and Airlines If Extra points are being converted to air miles, then the request will be processed within 10 working days. Also, cardholders have to be a member of the air miles programme of the particular Airlines
    Charity Extra points can be redeemed to donate money to any participating charity
    Concierge Cardholders need minimum 20, 000 Extra points to qualify for this reward category

    Apart from this, cardholders can choose to redeem their Extra points by transferring them to HSBC Reward points. This redemption can be done in multiples of hundred only. The request for such transfers will be processed within 10 working days.

    Cardholders can also redeem their Extra points using the Points plus Pay option. Point plus Pay Rewards are high value rewards, to avail which the credit cardholder has to pay the amount not covered by the points.

    The popular rewards options are offered by the following Extra partners:

    • Vodafone
    • Shopper’s Stop
    • HPCL Gift Card
    • Big Bazaar
    • Amazon
    • Flipkart
    • Jabong
    • Myntra
    • Lifestyle
    • Tata Sky
    • Fastrack
    • Book My Show

    The Extra points are valid for a period of 3 years. If customers do not redeem their Extra points within that period, they will expire. If they have an overdue on their credit card and are paying only the minimum amount, then they will not be able to redeem their Extra points.

    TO redeem the points, HSBC Credit Cardholders can either visit the Extra website or contact on the Extra customer care number. Their request will be processed and delivered within a period of 21 days.

    List of HSBC Credit Cards with Rewards Benefits:

    HSBC Premier MasterCard Credit Card
    HSBC Visa Platinum Credit Card
    HSBC Advance Visa Platinum Credit Card
    HSBC Gold Credit Card – Both Visa and MasterCard
    HSBC Classic Credit Card

    HSBC Credit Card Reward points FAQs:

    • What will happen to my HSBC Reward points if I plan to close my credit card account?

      If you plan to close your credit card account, you will have to redeem all your HSBC Reward points before the account is closed. You cannot redeem them once the account is closed.

    • Can I transfer my HSBC Reward points to another credit card holder?

      No, you cannot transfer your HSBC Reward points to another credit card holder.

    • I have more than one credit card from HSBC Bank. Can I combine the Reward points of all these cards at the time of redemption?

      Yes, if you have more than one credit card from HSBC Bank, you can combine the Reward points of all these cards at the time of redemption.

    • Will I be eligible for the Rewards programme if my HSBC Credit Card has an overdue amount?

      No, if your HSBC Credit Card has an overdue amount, you will not be eligible for the Rewards Programme.

    • What if I receive a damaged product?

      If you receive a damaged product, you should keep all the packaging material and return it to the HSBC Cards Products Division Manager. If HSBC Bank finds the product to be defective as well, they will either replace the product or refund the Reward points.

      If you realise that something is wrong with the product just by looking at the packaging, then do not accept it and acquire a refusal note from the courier company. You have to send this refusal note to the Manager of the HSBC Cards Products Division. 

    Check Other Banks Credit Card Reward Points Online 2018

    HSBC Credit Card Reward Points Reviews

    • HSBC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      There are many offers are going on and there is no annual fee hence i have opted this card. I have received the card on time. I got my first month bill and the statements are clear. I used to receive a promotional updates to my mails. Once i spoke with customer care and its easy to connect.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 21, 2019
    • HSBC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HSBC credit card for long time, they have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit they have given me in this card, there offers which they have given me is good,overall service is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2019
    • HSBC Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      They have charged me annual fee in this card,but there is waived off available like if i spend certain amount in an year then there is waived off , yes i am not happy with the credit limit they have given me just 82000 compare to other bank credit card,there was no offers available,only for movie ticket they have given me there is no much offer available, no particular reason for choosing this card, there overall service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 20, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The HSBC BANK Credit card is very good for for cash back and movie tickets , the reward points. I use this card for shopping , grocery and for so many purpose .Overall it is a very good card to have and I never had any issues pertaining to this card. I got card on time .
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Hassle free approval and good rewards"
      0.5 5.0/5 "Blown Away!"
      Reason to like this card it has good limit and it has good offers like every month I get 2 movie tickets at book my show and also I get airport access from mumbai to delhi. The card limit is good and the accessibility of the card its convenient. I can activate and deactivated international access through HSBC netbanking.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      I have been using HSBC BANK credit card . They offered me with HSBC GOLD CARD . I am using this card for past 4 year , they offered me good credit limit here . I am not using this card much and even i have never interacted with their customer service . Whenever offer is there i use this card .
      Was this review helpful? 0
      , pune
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am using HSBC credit card and i am pretty much happy with the services. Limit wise i am happy and also the card which i hold gives offers whenever i book flight tickets. For booking flight tickets HSBC card is the best, you get rewards points as well.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Good credit card for daily usage"
      0.5 4.0/5 "Great!"
      I was not interacted much with the customer service but the time taken to dispatch the card is good. Its been two months now with HSBC credit card, I think its a life time free card and it has 10% of cash back after 90 days of spend on the credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have not activated the credit card and I didn't receive the pin number. I need to contacted the customer support of HSBC. I got good credit limit around Rs. 91,000. Within 10 days I got the credit card, there was no difficulties on the documentation.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Payment gateway should be simple"
      0.5 4.0/5 "Great!"
      It has lots of offers like reward points and discounts on the tie up partners, I am holding HSBC Visa Platinum Card, its convenient to use anywhere. The limit of the card is good and sufficient for me. But I can't pay the credit card balance on the application, I suggest them to improve on that part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      The process at HSBC for the credit card was good. The documentation was collected on time and I received the card on time. The credit limit is to my expectation and it is a life time free card. The billing is clear and sent to me on time. In all no hassles.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Good International credit card"
      0.5 5.0/5 "Blown Away!"
      HSBC is very good also they are as good as standard chartered bank, they have good relation ship with me, and they are providing good offers without any expectation, I can reach HSBC customer care any time which is 24/7 helpline. The card which I am holding its a life time free credit card, its a platinum visa so the card accessibility is very good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am using HSBC credit card from the last 10 years and i am very happy with the services. I never had any kind of disappointments . Services are up-to the mark and the limit given to me on my card is good. They increase the limit gradually and the offers are less, they can probably throw offers for their customer.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I also bank with HSBC for the credit card. It is a chargeable card and I have a better credit limit on this card. The customer support and response is good and there are no hassles to use the card. The statements are clear and sen to me on time. Good in all.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2019
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for a long time and the services which they had been providing so far had been good. There has been some good benefits in holding this card and there has been some annual charges with this card as well. I am using this card for shopping and all other purchases.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 18, 2019
    • HSBC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My application was approved with HSBC BANK . I am holding this card around 2 years, the credit limit is good. I get the cash back and reward points for my transactions. Even i use to get free airport lounge excess and cash back . Overall my experience is good with this card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 18, 2019
    • HSBC Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I hold a HSBC BANK Credit card and i am using it for long time . The limit given is good and i am happy about it. But when it comes to offers it is very less Payments option are easy here. I use this card for multipurpose and customer service is not up to the mark .
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2019
    • HSBC Bank Credit Card
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      I have not received any welcome call from the HSBC the response is lacking. Hence I was not activated the card, I am holding life time free HSBC credit card. I thought to take this card because for the billing purpose, the credit limit is satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2019
    • HSBC Bank Credit Card
      "Good and quick services"
      0.5 5.0/5 "Blown Away!"
      Using the HSBC VISA for last 5 months. They have given me a satisfied credit limit. They have some offers on online shopping and its a established thats the reason i have selected this card. I make the payment through online and its easy. I have approached the customer care and its very quick process.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      There has not been any annual charges with this card and i had chosen this card, the process was nice but the guy who collected the documents where asking for many different documents, the card has delivered on time. The credit limit with this card was not exactly satisfied but expecting to be enhanced in the future. I have started using the card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
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