HSBC Credit Card

HSBC credit cards provide you with some of the unique and most attractive benefits that enhance your overall experience of using a credit card. They are loaded with a whole gamut of features that include categories like lifestyle experiences, and retail purchases, and e-shopping.

Features And Benefits Offered By The Top HSBC Credit Cards

HSBC Visa Platinum Credit Card

Key Highlights:A fine package of rebates and rewards, this card offers the finest experience tagged with optimum security and scalability. There are attractive benefits on categories like retail spends, dining, etc.

Joining Fee:NIL

Renewal Fee:NIL

Introductory offers:

• Vouchers worth Rs.2,000 from Cleartrip on the first transaction.
• Cashback of 10% (up to Rs.2,500) within 90 days of the card issuance.
• 3X more reward points on select categories for first 12 months after card issuance.

Features and benefits:

• 2 reward points on every Rs.150 spent on the card.
• 5X reward points after exceeding spend limit of Rs.4 lakh to max Rs.10 lakh in a year.
• Fuel surcharge waived off (up to Rs.250 p.m.) for transactions between Rs.400 and Rs.4000.
• Movie ticket voucher worth Rs.500 on monthly spends of over Rs.50,000.
• 15% off at more than 1000 restaurants in major cities.

Rewards redemption options: Reward points can be redeemed for a wide range of products listed in the rewards catalogue.

Suitable for: People who frequently use their credit card for spending on both online and offline categories.

Eligibility to apply for the HSBC Visa Platinum Credit Card

HSBC Smart Value Credit Card

Key Highlights: Packed with multiple features that would help you save your precious time and money. You can avail cashback offers and special vouchers from BookMyShow and Cleartrip.

Joining Fee: NIL

Renewal Fee: Rs.499. Waived if the annual spends in the previous year exceed Rs.50,000.

Introductory offers:

• BookMyShow voucher worth Rs.200 within 60 days of the card issuance.
• A 3-month subscription to Gaana+ within 60 days of the card issuance.

Features and benefits:

• Cleartrip voucher worth Rs.2,000 and Amazon gift voucher worth Rs.250 within 30 days of card issuance.
• 10% cashbackon a minimum of 5 purchases whose total value is at least Rs.5,000 within 60 days of the card issuance.
• Attractive EMI offers at a low-interest rate of 10.99% p.a. within 90 days of the card issuance.
• BookMyShow voucher worth Rs.200 on monthly spends of over Rs.15,000.
• 3X rewards on online, dining, and telecom and 1 reward point on every ?100 spent.

Rewards redemption options: You can redeem the accumulated reward points against gifts and vouchers available on HSBC rewards catalogue.

Suitable for: People who frequently use their credit card for purchasing things on EMI.

Eligibility to apply for the HSBC Smart Value Credit Card

HSBC Premier Mastercard Credit Card

Key Highlights : It's packed with features that would give you a host of global and local privileges. You would enjoy high-end facilities like airport lounge access, golf privileges, and complimentary movie tickets.

Joining Fee: NIL

Renewal Fee: NIL

Features and benefits:

• Access to over 850 airport lounges across the world with 2 complimentary access per year.
• Complimentary membership to Golf Card for one year and 2 complimentary games per month (maximum of 5 games per year).
• Vouchers worth Rs.1,000 per month from BookMyShow on monthly spends of at least Rs.75,000.

• Accelerated rewards points on international spends

• 1% fuel surcharge waiver across all petrol stations.

Rewards redemption options :Reward points can be redeemed against JPMiles and KrisFlyer, and Avios Mile. You can also opt for products from international brands like Jimmy Choo, Tumi, Apple, etc.

Suitable for: People looking for a host of premium services and lifestyle privileges on their card.

Eligibility to apply for the HSBC Premier Mastercard Credit Card

To be eligible for applying for the HSBC Premier Mastercard Credit Card, you need to maintain an HSBC Premier relationship in India.

HSBC Advance Visa Platinum Credit Card

Key Highlights: This card comes loaded with special privileges on categories like dining, shopping and many more.You would enjoy great benefits on reward points program and other benefits like fuel surcharge waiver and entertainment tickets.

Joining Fee: NIL

Renewal Fee: NIL

Introductory offers:

• Cleartrip voucher worth Rs.2,000 on your first transaction
• 3X reward points on online spends for the first 24 months of the card issuance.

Features and benefits:

• 2 Reward points for every ?150 spent and 5X reward points on purchases after crossing yearly spends between Rs.4 lakh and Rs.10 lakh.
• Entertainment voucher worth Rs.500 (maximum Rs.3,000) on monthly spends of

Rs.50,000.

• Up to 15% off at more than 1000 restaurants in select cities.
• Monthly fuel surcharge waiver of up to Rs.250 on fuel transactions between Rs.400 and Rs.4,000.

Rewards redemption options: Reward points can be redeemed against JPMiles and KrisFlyer.

Suitable for: People who want the best of premium privileges on their credit card.

Eligibility to apply for the HSBC Advance Visa Platinum Credit Card

• To be eligible for applying for the HSBC Advance Visa Platinum Credit Card, you need to be an HSBC Advance customer.
• You can maintain HSBC Advance relationship in India by maintaining a Total Relationship Balance (TRB) of Rs.5 lakh quarterly.

HSBC Cashback Credit Card 

Key Highlights: No joining fees for the first year. Special discounts of up to 15% on at more than 1,000 dining partner restaurants across India. Cashback of up to 1.5% on all online transactions (even on transactions which are converted to EMIs).

Joining Fee: Nil

Renewal Fee: Rs.750. Waived if the annual spends in the previous year exceed Rs.1 lakh.

Introductory offers:

• Avail a Swiggy discount coupon worth Rs.250 within the first 60 days of the issuance of the card. 

• Get 2 airport lounge access or 2 meal vouchers worth Rs.400 redeemable at airport food joints. 

Features and benefits:

• Condition-based waiver of annual fee. 
• Earn cashback of up to 1.5% on all online transactions and up to 1% on all other transactions. 
• Quick emergency card replacement service. 

• Avail a number of insurance benefits with the card. 
• Cashback feature available even on the transactions which are converted into EMIs. 

Suitable for: People who frequently use their credit card for both online and offline purchases as well as on EMI. 

Eligibility to apply for the HSBC Cashback Credit Card

• The applicant should be an Indian citizen within the age bracket of 18 years to 70 years. 

• In case of add-on applicants, the individual’s age has to be 15+ years. 

Documents Needed To Apply For The Above-listed HSBC Credit Cards

How to Apply for HSBC credit cards

Apply Online and avail the following facilities

• Free CIBIL score check
• Instant approval if you are eligible
• Instant eligibility check
• Paperless processing
• Complimentary gift vouchers
• A chance to win exciting gifts

Why Apply for an HSBC Credit Card on BankBazaar?

Applying for a HSBC Credit Card on BankBazaar offers the following unbeatable advantages:

1. Save Time - Check out the various features, documentation, apply online and receive confirmation for the same, quickly and smoothly- thanks to BankBazaar’s interactive interface.
2. All you need to Know - From the basic terms and conditions, eligibility, interest rates, offers and discounts, everything you need to know is right here - constantly updated, and ready for consumption.
3. Compare and Review - Compare the HSBC Credit Card of your choice against other internal choices or from other banks. Read reviews from your peers and formulate an informed decision with regards to a chosen credit card.
4. Simple and Transparent Application Process - No hidden charges, no red-tape, highly interactive with quick turnaround times, active help at all stages of the application and approval process, and importantly, immense respect for your requirements and limitations.
5. 100% Safe - Your personal information is only shared with HSBC (after you have submitted the application for a credit card). This information is passed through robust, encrypted systems that have 0% tolerance towards malicious intent.

How to Apply for HSBC Credit Cards through BankBazaar?

Applying for any HSBC Credit Card on BankBazaar involves the following simple steps:

1. Login to the BankBazaar homepage. At the top of this page, the navigation panel prominently displays the ‘Credit Cards’ menu item. Select the same.
2. A panel with categorization based on ‘By Bank’ is spread before you. Select, ‘HSBC Credit Card’ here.
3. The resultant page displays all the credit cards as offered by HSBC. Check out the two buttons- ‘Check Eligibility’ and ‘Explore Card’. The former helps you ascertain your eligibility via a simple, interactive wizard, while the latter helps you understand the various features and benefits of the chosen card.
4. The ‘Apply’ button is prominently displayed at the end of these qualification procedures. Click on the same to signal your choice. Your application will next be forwarded to HSBC for further processing.
5. You will receive an instant e-approval from BankBazaar after the successful submission of the application. Next, HSBC will get in touch with you directly. You can also check the status of your application through timely SMS alerts and emails.

Reward Points on HSBC credit cards

Each HSBC credit card comes with some of the most amazing reward points programs that offer reward points on multiple popular categories like travel, dining, online shopping, and international shopping.

Also, there are rich redemption options that you get for redeeming the accumulated reward points on the card. The following table lists the entire set of reward points that you can earn on your HSBC credit card.

HSBC Credit Card FAQs:

1. What are the air-mile benefits applicable with my HSBC Credit Card?

   Spends on your HSBC Credit Card accumulates reward points (see table above). These reward points can be redeemed as air-miles when you book plane tickets with Jet Airways or Singapore Airlines. Note that air-miles don’t apply to MMT Signature and Platinum cards.

2. What is ‘Free Credit Period’?

   This is the duration in which HSBC will not charge the card holder any interest on his/her purchases. For all HSBC credit cards, this duration is 52 days. Before this deadline is hit, the card holder is expected to repay the outstanding amount that has accumulated through the credit card usage in this duration. If full payment isn’t made, then the card holder loses the privilege of Free Credit Period.

3. What is the ‘Accelerated Rewards Programme’ in terms of the HSBC credit cards?

   This is a recognition and rewarding system that takes into account the card owner’s accelerated usage of his/her HSBC credit card(s). For HSBC Visa Platinum Card and HSBC Advance Visa Platinum Card, this equates to 5x reward points on every subsequent purchase after the card owner has spent above Rs. 400000 upto Rs.1000000 in a single calendar year.

For the MMT Signature Credit Card, the 5x reward point’s condition applies to all subsequent purchases after the card owner has spent over Rs.50000 at MakeMyTrip in a single year. The quantum is 15 reward points for every Rs.100 spent on the card. Aptly, this system is called ‘Turbo Rewards’.

4. What are the fine dining benefits on offer with these cards?

   Enjoy exclusive offers on dining, including 20% OFF at over 700 restaurants across selected cities in India. More information about the applicable cities can be availed from the HSBC India website.

5. What are the golf centric privileges on offer with the HSBC Premier MasterCard credit card?
   1. Dedicated 24hrs golf concierge service.
   2. Discounts on the applicable golf-club membership fees.
   3. Complimentary green fees.
   4. Golfer’s insurance.
6. What fuel related rebates are on offer with the HSBC Credit Cards?

   Complete waiver of the fuel surcharge, at any fuel station in India, provided the transaction costs anywhere between Rs.400 and Rs.4000, with a maximum spend of Rs.250/month.

7. After approval, how long will it take before I receive my credit card?

   From the point of approval of your application, it takes upto 3 weeks before your credit card is dispatched to you. Meanwhile, HSBC customer support can be contacted to enquire about the status of your application. Also, regular SMS alerts and emails from BankBazaar will keep you posted as well.

8. How can I keep myself updated about the offers/discounts applicable on my HSBC credit card?

   All these information is regularly updated to you via SMS, emails and other social medium. You can also visit the HSBC India website to check out the various time bound offers and discounts in circulation.

9. How can I contact BankBazaar in case of any concerns or queries?

   In case of any queries or concerns, you can reach us via email- support@bankbazaar.com or Phone- +91 +919884808231. Our expert customer support team is at hand to respond to all your queries.