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  • HSBC Credit Card

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  • HSBC offers 4 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
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    Bankbazaar HSBC Credit Card
    We found 4 HSBC Credit Cards
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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.

    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
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HSBC Bank credit card which was taken directly through Bank.I amusing this credit card for the past t 1 year .This was a free card and there was no difficulties faced so far on using this card ,The credit limit was really good and there was no difficulties faced so far .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 13, 2019
    • HSBC Bank
      HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HSBC Bank credit card which was offered through Bank directly.This was a free card and i am using this credit card for the past 5 years .This was a platinum card and got all the information about the card process very clearly through the agent ,The credit limit was good and it was sufficient .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 13, 2019
    • HSBC Bank Credit Card
      "Useful in case of emergency"
      0.5 3.0/5 "Satisfactory"
      I have been using the HSBC Visa platinum credit card for last 4 months. I haven't got any joining benefits and I'm satisfied with the credit limit provided to me. Its a life time free credit cards. I do get some cashback in sometimes and on Saturdays i get a buy1+get1 movie tickets.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 11, 2019
    • HSBC Bank Credit Card
      "Useful for movie lover"
      0.5 3.5/5 "Pretty good"
      HSBC is providing me 10% cash back on first purchases and also they were good in the market. It does not have any annual fee for Visa Platinum card. Its been 2 years and have been using the card for movie ticket bookings because it has 1plus1offer and restaurants.
      Was this review helpful? 4
      , kolkata
      Reviewed on Oct 08, 2019
    • HSBC Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I had applied a credit card from HSBC Bank online. I had submitted my documents online but their executive did not turn up for verification. They had closed my application as my salary is less than 25 thousand. They did not inform me the credit limit.
      Was this review helpful? 0
      , faridabad
      Reviewed on Oct 05, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have HSBC Bank credit card which was taken through this Online .I have got a clear picture about the card process through the agent .I have not faced any difficulties on using this card ,The process was very easy .The credit limit was really good and it was a free card .There are good cash back offers and reward points which is really useful.While submitting the documents there was no issues .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2019
    • HSBC Bank Credit Card
      "Great to use"
      0.5 5.0/5 "Blown Away!"
      I have been using HSBC credit card since 2009 and it has an annual fee. The credit limit is fine. I am getting lot of benefits so am not having any issue. The payment mode is online and its convenient. I never ever tried for EMI conversion. Their services are very good.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 29, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have been using HSBC visa credit card for more than 6 months from bank agent came to out office and got apply for a credit card. On spot process was done within 1 week I received a card. It is a life time free credit card and they have given with a good credit limit. EMI option is applicable and charges are nominal for 13%.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 19, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am having HSBC Bank visa credit card which was applied through an other channel. I am using this credit card for almost 3 years .The credit limit was good and this was an annual fee chargeable card but waiver off option applicable based on the usage. EMI option applicable. I use this card utility payment based on the usage get points.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2019
    • HSBC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I hold a HSBC Visa Platinum credit card and the credit limit is satisfactory. They are not charging me any annual fee. I am getting very good reward points and they waive off surcharges when I fulfill a fuel through this card. The payment mode is also convenient.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2019
    • HSBC Bank Credit Card
      "Fantastic Card"
      0.5 4.0/5 "Great!"
      The charges are very low than other cards. Their late payment fee and interest rates are nominal. In the beginning, i have chosen the HSBC card for getting a movie tickets but now I'm using it for all kind of purchase. I got a balance transfer facility. Monthly once 1 movie ticket free for this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am having HSBC Bank credit card which was applied through Bank .I am using this credit card for almost 10 years .The credit limit was good and this was a free card .There are back offers and reward points which is really useful and pretty good .I have not faced any difficulties so far while submitting any documents and i am really satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 17, 2019
    • HSBC Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      I don't have any issues with the accessibility on HSBC BANK card. I am not paying any charges annually and am getting offers on the outlets. They are supporting the customer and its excellent. The charges are nominal only. They have given me a sufficient limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • HSBC Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      I won't use much this HSBC card because i am not frequent user of credit card. They have given me a lots of offers but i won't availed. They are providing a offers like rewards points, cash back, EMI conversion. They are charging 4% for EMI conversion fee which is nominal for me.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • HSBC Bank Credit Card
      "Good card "
      0.5 5.0/5 "Blown Away!"
      Recently I got my HSBC card it has life time free benefits and they gave me expected limit more than Rs.1.5 lakh. There is no welcome kit but however I believe they have more offers at e commerce and other partners which they got tied up hence its fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 14, 2019
    • HSBC Bank Credit Card
      "Response should be prompt"
      0.5 4.0/5 "Great!"
      I started usign HSBC card, the offers are good even I booked movie ticket and grocery shoppings. I am getting cash back and discounts for the transactions. Last time I asked for emi but they didn't provide that, they told will get back but I didn't get any response hence they need improvement.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
    • HSBC Bank Credit Card
      "Not recommended below than average"
      0.5 3.0/5 "Satisfactory"
      HSBC is not charging me any annual fee and the customer service is good because whatever services I have used and got a proper response. But I faced some problems with previous experience technically and there is no coordination between the IT department because I made a payment and it does not reflect immediately. The charges are very huge for EMI conversion and its around 16 -17%.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 01, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using HSBC Bank credit card which was applied through Online .I have not faced any issues so far on using this credit card .I have got the credit cad on delay basis and the reason was document collected very late due to this it was a delay .The credit limit was good and it was sufficient as well and this was a free card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 31, 2019
    • HSBC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      HSBC service is very good and also the charges are very minimal and they offered me life time free beneficial credit card. This is my first month of this credit card, the response is prompt, I am getting regular alert messages about my credit card transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 31, 2019
    • HSBC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied HSBC VISA PLATINUM CARD online. I received the card on time. Credit limit is sufficient for me and there is no annual fee. Their customer service is very good. Documentation and verification was done on time and I had received the card on time
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 31, 2019
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