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    HSBC is a multinational banking and financial services company that was founded in 1865. In India, the bank offers retail banking, financial planning, cash management, credit cards and other banking services. HSBC cardholders can access cash on their credit cards and conveniently borrow money to pay for their expenses through the Cash-on-EMI feature offered by the bank. This feature is a great boon for people looking for instant cash.

    Eligibility for HSBC Loan on Card:

    In order to be eligible for the Cash-on-EMI feature, you need to be an HSBC credit cardholder. However, only select cardholders of HSBC credit cards can avail this feature. No documents are required for availing this loan.

    How to apply for HSBC Loan on Card?

    The fastest and simplest way to apply for HSBC loan on card is to apply for it online through the HSBC netbanking portal. While applying for such loans, you will need to provide the following information:

    • HSBC credit card number
    • Name
    • Email ID
    • Telephone number with STD code
    • Mobile number

    Features and Benefits of HSBC Loan on Card:

    • Get access to cash instantly through National Electronic Funds Transfer (NEFT) or draft facility.
    • Make payments conveniently through easy monthly instalments (EMI).
    • Choose from loan tenures of 6 months, 12 months, 18 months and 24 months.
    • The loan comes with a processing fee of 2 - 3% or minimum Rs 200, which is applicable on all cash advance transactions.
    • The loan comes with a competitive interest rate of 15 - 21% per annum.

    Loan on HSBC credit card FAQs:

    1. What is the minimum amount for Cash-on-EMI facility?
    2. The minimum amount is Rs 5000 for opting for this facility.

    3. Can I use the money obtained through the Cash-on-EMI facility to invest on mutual funds?
    4. No, the money obtained through this facility cannot be invested on mutual funds, equity shares, debentures and convertible bonds.

    5. Will opting for the Cash-on-EMI facility lower the credit limit of my card?
    6. Yes, opting for this facility will lower the credit limit of your credit card and the limit will be gradually increased when the EMI payments are made.

    7. I do not hold an HSBC credit card. Can I opt for this facility?
    8. The Cash-on-EMI facility is only available to HSBC cardholders. If you do not have an HSBC credit card, you can apply for one online at Bankbazaar.com.

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