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  • HSBC Credit Card Reward Points

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    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.

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    How to Redeem HSBC Credit Card Reward Points:

    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 –

    • 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.

     

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    HSBC Credit Card Reward Points Reviews

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