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 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
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.
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.
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
Proof of Identity
Any one of the following
PAN Card
National Rural Employment Guarantee Act (NREGA) card
Aadhaar card
Driving licence
Voter's ID
Passport
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
National Rural Employment Guarantee Act (NREGA) job 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:
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.
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.
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.
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.
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:
Login to the BankBazaar homepage. At the top of this page, the navigation panel prominently displays the ‘Credit Cards’ menu item. Select the same.
A panel with categorization based on ‘By Bank’ is spread before you. Select, ‘HSBC Credit Card’ here.
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.
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.
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
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.
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.
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’.
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.
What are the golf centric privileges on offer with the HSBC Premier MasterCard credit card?
Dedicated 24hrs golf concierge service.
Discounts on the applicable golf-club membership fees.
Complimentary green fees.
Golfer’s insurance.
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.
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.
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.
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.
Country’s largest mortgage lender HDFC Bank has upgraded its credit card platform which will offer new features to its customers. The upgrade, which is supposed to take place in phases, was carried out on 18 January between 1:00 a.m. and 12:00 p.m. The outage in services during the time was limited and customers were unable to access services such as netbanking, phone banking, and interactive voice response systems. However, purchases using credit cards, both online and offline could be carried out by cardholders. VisionPlus V10, which is the latest advancement in the global banking architecture will be incorporated in the credit card platform of HDFC Bank. This is the first time that a company will be witnessing a migration which will provide a super experience to its credit card users. With the VisionPlus technology, the bank will be able to enhance customer experience by providing quicker credit card dispute resolutions while also enabling it to be future-ready. After the upgrade existing HDFC Bank customers will be able to enjoy instant card generation facility.
21 January 2020
Credit Card essentials for beginners!
The thrill of acquiring a plastic card that accords unlimited financial freedom is a joy most people savor. But along with the freedom comes a huge responsibility of managing and handling the card smartly.
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I have applied HSBC Visa platinum credit card through online. Since this is a life time free so i applied this card. I used this card till 6 months and i use to do on time payment and it card has been closed by bank side. I called them, they said i am not eligible for my profile so this card permanently blocked .
I have started using HSBC credit card mostly i am using it for shopping. I do got reward points for the 1st month but i have not gone through that, i am happy with the credit limit. This is a free card, mostly i preferred zero annual charges card so i opted this and i am getting 1+1 movie ticket offer.
I have applied HSBC Bank credit card through online and i am holding this card more than 6 months. Basically its a free card and i am happy with the limit. The reward points are there but i dint check all those things, Also I get 10% discount in groceries buy 1+1 movie ticket free so this card has much benefits.
I haven't received the call from HSBC bank once I applied for the credit card application. There is no update as well. I chosen this card since there was good cash back of 1.5% offers and a life time free card. But from bank end not shared the reason for closed which I would suggest them to provide a proper update.
From HSBC Bank, customer service is not up to the mark its a average service. This bank provides a life time free card and i applied this card through online and the limit is okay. I am using this card for all purpose, need to improve in customer service.
I am using HSBC bank credit card for the past 2months. There are good reward points as well as cash back offers. I can convert my payments into EMI but the rate of interest and the processing fee was high .This card was delivered on time and the credit limit was good.
About 5 years, i am using my credit card from HSBC and its because of the brand value, i have taken this card. Based on eligibility only they have given the credit limit and they do a regular follow up with the customer to increase the limit. Interest rates are too high. I'm getting emails regarding the offers.
I got a credit card offer from HSBC which was applied through online. I got a call on time and the process was done but still I didn't receive the card yet. Later, I received the call from Blue dart courier service and told them to come but nobody turned up and no updates as well. It was a life time free card.
HSBC bank credit card gives me many offers like cashback and reward points hence i have selected this bank. No joining fee and annual fee charged from my end. I have got a credit limit of Rs. 1.40 lakhs. I have received the card very early and i have applied 2 add on card also. Till now i have not get the statement however i have paid the bill by using my purchase message.
Was this review helpful?
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BIRENDRA KUMAR
, new delhi
Reviewed on Mar 08, 2020
I think HSBC has provided a life time free card. They called on time and the credit limit is 55K. I received the card within one month but to get the kit was delay. EMI conversion is avail but not required, I use this card for fee amount to pay, groceries, purchasing an electronic items.
I have applied HSBC Bank credit card through online. I have not availed this credit card since no payslip with me. I have not given any of my documents for this card. The agent has shared all the relevant details about the card process .The service was very average according to me .
I got a call on delayed basis from HSBC when approached for credit card, it took around 5 days. The process was lengthy, at initial told no need to provide any documents but later they were asking lots of documents even though fpr a card to card basis. They haven't disclose the credit limit. it is annual fee chargeable of 1,000 rupees. Since the process was long closed the card application from my end.
From HSBC Bank, i have applied a credit card through online channel. Then received a verification call at that time, i was out of country so i am unable to provide the documents, it got closed by bank end. I need this card and will apply for it later.
I got the credit card offer from HSBC Bank then application got closed by bank end due to rental agreement, since i am staying in Paying Guest which am unable to provide. Otherwise they are asking permanent address proof and my native is in Kerala hence they are not willing to provide me a card.
When i spoke to the phone banking officer from HSBC he was asking me a private documents which I'm not interested to provide. Those are extra documents which is not need to get the credit card finally they said it cannot be proceed further without those documents after that i have received the message stating that application got rejected.
HSBC has offered an annual fee chargeable of 750 rupees. I got a call on time and but didn't get suitable communication from banker, they told executive will come and collect the docs after no one as turned up. The credit limit is eligible up to 1.5L. Generally I don't have this card so chosen it. But only the drawback was the customer service is no prompt response.
The benefits on cashbacks and reward point is the main reason for choosing the credit card from HSBC. I was getting mainly online shopping offers like 5% in various website and restaurants. I am getting free lounge access in Airport. They were asking me to provide the voter id for the verification which is not available hence i haven't given after that they haven't contacted me. I was not happy about the process. Executive behavior was not polite when they came for document collection.
There is no any such kind of reason for applying the HSBC credit card. Features are beneficial to the customer. There is no annual fee for this card and they are providing free airport lounge access facility, flexible payment options. I don't receive any call from HSBC but they have simply rejected my credit card application.
HSBC has offered a good cash benefits and offers too so thats the reason chosen this card. It was a life time free card. I got a call from bank end on time, the credit limit details not aware. Banker has closed the card process and not shared the reason as well.
I have applied HSBC Bank credit card which was selected through online channel. This application got closed by bank end because that contacted me, at that time i have not respond them properly, so it closed by bank end. I have not given any documents, and the service was good.
100% PAPERLESS APPROVAL 
Credit Card
