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  • HSBC Credit Card

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  • HSBC offers 5 credit cards to its customers each of which is carefully curated to suit their needs and wants. The credit cards offer a wide variety of benefits such as reward points for each purchase made on shopping or fuel. Apart from this, a few credit cards also offer cashback offers on transactions. The credit cards offered by the bank also offers various vouchers from websites like BookMyShow and Cleatrip.

    Top Credit Cards Offered By HSBC Bank

    Here we have summarized the primary advantages of every credit card offered by HSBC. Just go through the primary highlights of the top HSBC credit cards listed below and apply for the one you like the most.

    HSBC Credit Card Variant Annual Fee Category
    HSBC Visa Platinum Credit Card NIL Lifestyle
    HSBC Smart Value Credit Card Rs.499 Rewards
    HSBC Premier Mastercard Credit Card NIL For HSBC Premium Banking customers only
    HSBC Advance Visa Platinum Credit Card NIL For HSBC advance customers only
    HSBC Cashback Credit Card Rs.750 (Waiver applicable) Cashback
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    We found 5 HSBC Credit Cards
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    100% PAPERLESS APPROVAL
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    100% PAPERLESS APPROVAL
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    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.

    All About HSBC Credit Card

    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

    Age 18 to 65 years
    Employment status Salaried
    Annual salary Rs.4 lakh
    Current city of residence Bangalore, Chennai, Gurgaon, Hyderabad, New Delhi, Mumbai, Noida, or Pune.

    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

    Age 18 to 65 years
    Employment status Salaried or Self Employed
    Annual salary Rs.3 lakh
    Current city of residence Bangalore, Chennai, Gurgaon, Hyderabad, New Delhi, Mumbai, Noida, Kolkata, or Pune.

    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

    • PAN Card
    • National Rural Employment Guarantee Act (NREGA) card
    • Aadhaar card
    • Driving licence
    • Voter's ID
    • Passport
    • National Rural Employment Guarantee Act (NREGA) job card
    Proof of Identity Any one of the following
    Proof of address Any one of the following
    • Passport
    • Driving licence
    • Voter's ID
    • Registered society outgoing bill
    • Water/Electricity/Telephone bill
    • Pipeline connection gas bill
    • Domicile certificate with address (issued by Municipal Corporation)
    • Property tax bill
    • Registered rent or lease agreement
    • Defence ID card
    • Aadhaar card
    • Government employee ID card
    Income proof (salaried individuals) Any one of the following
    • Latest salary slip
    • Form 16
    Income proof (Self-employed individuals) Recent income tax returns
    Others Your recent passport size photograph (self-attested)

    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 Variant Regular reward points Accelerated reward points
    HSBC Visa Platinum Credit Card 2 reward points on each Rs.150 spent across all categories
    • 3X reward points on dining, hotels, and telecom spends for the first 12 months of the card issuance

    • 5X reward points on purchases after crossing yearly spends between Rs.4 lakh and Rs.10 lakh
    HSBC Smart Value Credit Card 1 reward point on each Rs.100 spent across all categories 3X reward points on dining, hotels, and telecom spends
    HSBC Premier Mastercard Credit Card 2 reward points on each Rs.100 spent across all categories Accelerated reward points on international spending
    HSBC Advance Visa Platinum Credit Card 2 reward points on each Rs.150 spent across all categories
    • 3X reward points on online purchases during the first 24 months of the card issuance

    • 5X reward points on purchases after crossing yearly spends between Rs.4 lakh and Rs.10 lakh

    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.

    4. 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’.

    5. 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.

    6. 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.
    7. 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.

    8. 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.

    9. 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.

    10. 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.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    HSBC Credit Cards Reviews

    • HSBC Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I have HSBC Bank credit card which was taken through online. I have chosen this card for movie ticket offers. This was a free card and the service is okay. Without any delay got the card everything is good on this credit card and the features and benefits of this card was shared by the agent .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2020
    • HSBC Bank
      HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I'm using HSBC visa platinum credit card and this card has a movie tickets offer. Its a life time free credit card hence there is no annual charges. Every month, when i book movie tickets, am getting 1 +1 movie ticket. I have contacted their customer care that was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2020
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I'm using the HSBC credit card for booking a movie tickets. Its a life time free credit card hence there is no annual charges. Every month, when i book 1 movie ticket, i get another ticket is free. I never contacted their customer care. I hardly use this card. Its easy to make the bill payment also.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 21, 2020
    • HSBC Bank Credit Card
      "Need to provide more offers "
      0.5 3.0/5 "Satisfactory"
      HSBC bank has offered a credit card. When compare to other bank card there is only limited offers in this bank. It is a life time free card. The credit limit of 1L is fine to use. Since there is no annual fee chargeable so I was chosen this card. But there was no much offers hence closed the card from my end.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 19, 2020
    • HSBC Bank Credit Card
      "Need to improve mobile application"
      0.5 4.0/5 "Great!"
      I am using HSBC credit card for 1.5 years. The rate on interest is very low for EMI conversion around 11% to 12%. The best options is life time free credit card. I get buy 1 get 1 movie tickets offer once in a month and can be availed on Saturday. Mobile application is very hard to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 18, 2020
    • HSBC Bank Credit Card
      "Most benefited card"
      0.5 5.0/5 "Blown Away!"
      I don't have any particular reason for selecting the credit card from HSBC. The card is accessible in all the shopping place where I'm located in my city even in small shops also they are accepting it. They gave me annual fee free post that i got a Amazon gift voucher. Probably, if my spending limit exceeds more than Rs. 30000, annual get waived off. It has most of the features and this is a wifi card if i swipe till Rs. 2000.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2020
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a HSBC credit card which was applied through online. This is a life time free credit card and i am not happy with the service. I am getting reward points that can be convert as a cash back as well as fuel, customer service and response was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2020
    • HSBC Bank Credit Card
      "Good one to go ahead "
      0.5 4.0/5 "Great!"
      I am using HSBC VISA PLATINUM CARD more than one year. This is a life time free card, based on my existing card they given a limit and the credit limit is Rs. 2.75L. Through online i have taken this card and also i am getting movie offer and lounge benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 13, 2020
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HSBC Bank platinum credit card which was taken through Bank directly .I am utilizing this credit card almost 1 year .This card is having best facility of airport lounge access and have discounts for shopping and dinning that is really useful and pretty good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 03, 2020
    • HSBC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I have HSBC Bank credit card which was taken through Bank directly .I am using this credit card more than 5 years only .This card is having movie ticket offers which is the best thing and also getting much cash back offers as well as reward points.Each and every informaton about this credit card was shared by the agent .I am completly satisfied with the service.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 31, 2019
    • HSBC Bank Credit Card
      "Simple Card"
      0.5 3.0/5 "Satisfactory"
      HSBC card has a better movie ticket offers and fuel sur charges waiver. In this card, i get buy1+get1 movie ticket offer so that i bought this card since I'm a movie lover. The limit is very less. I have not received any kind of a welcome gift. I preferred to use a life time free credit card. They have provided the card as per the promised time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 28, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      HSBC is an international bank so that I had opted for this card. One of my friends is working in this bank, so during at that time i have taken this card. There are so many messages coming regarding offers but I don't see and i just delete it. They have given me a credit limit of Rs. 3 lakhs. When I purchase in Amazon, I got some rewards points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 27, 2019
    • HSBC Bank Credit Card
      "Average"
      0.5 1.0/5 "Really Bad"
      I have applied for HSBC Bank credit card through Online .I have got the update from bank end that unable to process this credit card .I have submitted the required documents .The agent clearly shared the details about the credit card .According to my experience the service was very average.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 26, 2019
    • HSBC Bank Credit Card
      "No proper follow up"
      0.5 1.0/5 "Really Bad"
      HSBC is a very good bank thats why i have chosen this bank. Rewards points are more when i compared to other bank. Benefits are good. Annual fee is nothing. From bank side, they have not informed me anything regarding the rejection even though i got a good credit score.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 26, 2019
    • HSBC Bank Credit Card
      "Okay"
      0.5 3.0/5 "Satisfactory"
      I have applied a HSBC credit card through online. I have not given any documents, they said executive will come and collect the documents. But no one has came and i haven't received any calls or message from bank. After 15 days i got a call that it got rejected.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 26, 2019
    • HSBC Bank Credit Card
      "Better Card"
      0.5 3.0/5 "Satisfactory"
      According to my knowledge, HSBC credit card is best. Annual charges are not there on this card. I have not received this card because of the location mismatch and there was no special benefit on the card. Bank has not done a proper follow up to provide this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 24, 2019
    • HSBC Bank Credit Card
      "Need lounge access card"
      0.5 5.0/5 "Blown Away!"
      I have been looking for certain benefits like lounge access and was about to apply for HDFC credit card but the executive told me HSBC credit card has better offer than this hence I agreed for it. But later my expectations was not fulfilled so have cancelled this application. If they could give me lounge benefit, am ready to go for this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 24, 2019
    • HSBC Bank Credit Card
      "Need to provide more offers "
      0.5 3.0/5 "Satisfactory"
      I have applied a credit card with HSBC BANK on a month before. On time I got a call from bank for verification process. I have not submitted any documents to them. All the process was completed through phone call. Since I felt least features and limit was not shared so due to this reason, the process was closed from my end.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 24, 2019
    • HSBC Bank Credit Card
      "Need a proper update. "
      0.5 3.0/5 "Satisfactory"
      I applied for HSBC BANK credit card through online. Bank executive came and collected all my documents. I wish bank to give the proper update for the customer regarding the cause of rejecting the application. Which would be easy for us to start the process again with bank.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 23, 2019
    • HSBC Bank Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have applied for HSBC Bank credit card through Online .I have not got the reason why this credit card was not sanctioned .I have not submitted any of my documents,There was no callback and follow up from bank end and the agent gave a clear view about this credit card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 23, 2019
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