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HSBC Bank Credit Card

**Disclaimer: HSBC is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

The Hongkong and Shanghai Banking Corporation Limited or HSBC is one of the top financial institutions in the country. Along with several other banking products and services, HSBC offers a range of attractive credit card options that are suited to the specific needs of customers. They are designed to help you transact seamlessly while allowing you to save more. Depending on the type of credit card you own, you can earn rewards, cashback, or gift vouchers against your purchases. Read on to compare the top HSBC credit cards so that you can select the right credit card for yourself.

Top HSBC Credit Cards in India

The features and specifications of some of the best HSBC credit card variants are mentioned below:

1. HSBC Cashback Credit Card

Ideal for- Cashback

Features- The HSBC Cashback credit card lets you enjoy cashback privileges on all your transactions, both at domestic and international locations. On all online spends (except for fund transfer to an online wallet) you get a 1.5% cashback. On all other spends, you get 1% cashback. Also, the card has zero joining fees and the annual fee is reversed against spends of over ₹1 lakh in a year. To top it, the HSBC credit card has the VISA Paywave technology enabled on it, which makes it suitable for contactless payments.

Annual membership fees- ₹750

2. HSBC VISA Platinum Credit Card

Ideal for- Lifestyle Privileges

Features- The HSBC Visa Platinum Credit Card offers you exclusive privileges and attractive rewards. On minimum spends worth ₹10,000 within the first 60 days of card issuance, you get 10% cashback worth up to ₹2,000. You also get to earn 2 reward points for every ₹150 spent on the credit card. If your card spends exceed ₹4 lakh in an anniversary year, you earn 5X Rewards on subsequent purchases (maximum- 15,000 accelerated reward points). The accumulated reward points can be converted into air miles on InterMiles, British Airways and Singapore Airlines. Other benefits of the HSBC Visa Platinum credit card include fuel surcharge waiver, discounts on movies, flights, restaurants, and more.

Annual membership fees- Nil

3. HSBC Smart Value Credit Card

Ideal for-Savings and Rewards

Features- The HSBC Smart Value credit cards help you save money, while also letting you earn rewards. On every ₹1,000 spent within the first 60 days of issuance of the card, you get a cashback of 10%. You also get 3X rewards on online, dining and telecom spends, as well as a fuel surcharge waiver. Once you submit your credit card application, you also get a BookMyShow e-Gift voucher worth ₹250.

Annual membership fees- Nil

4. HSBC Premier Mastercard© Credit Card

Ideal for- Premium Banking

Features- The HSBC Premier Mastercard© credit card is only offered to HSBC premier customers i.e. customers who maintain a quarterly Total Relationship Balance (TRB) of ₹40 lakh or more. Designed to offer privileged lifestyle benefits, the card comes with airport lounge access, dedicated 24-hour golf concierge service, discounted green fees, fuel surcharge waiver, online fraud protection and lost card liability. You also get to earn 2 reward points for every ₹100 you spend on the credit card. The accumulated reward points can be converted into air miles on InterMiles, British Airways and Singapore Airlines.

Annual membership fees- Nil

HSBC Bank Credit Card Eligibility Criteria

The eligibility criteria for getting an HSBC credit card are as follows:

  • You must be at least 18 years of age.
  • You must be a salaried or self-employed individual.
  • You must have a minimum annual income of ₹4 lakh.
  • Your current city of residence must be in a serviceable location.

Note: Eligibility criterion may vary with the credit card type. Do check out the card-specific requirements before applying.

Documents Required to Apply for an HSBC Credit Card

Along with your HSBC credit card application, you would need to submit certain documents as proof of identity, address, and income.

Identity Proof

A copy of the PAN card along with the Aadhaar card, Voter ID card, Passport, driving licence, or any other government-approved photo ID card.

Address Proof

A copy of either your Aadhaar card, Passport, Voter ID card, driving license, latest utility bills, rent agreement, municipal tax receipt, property tax receipt, or an official document issued by the state or central governments with the updated address.

Income Proof

For salaried individuals: Bank statement showing credit of salary for the last 3 months and salary slips for the last 3 months.

For self-employed individuals: The latest record of your income tax return.

HSBC Credit Card Fees and Charges

 

Type of fees and charges

Amount*

Annual Fee

₹750 for HSBC Cashback credit card

Nil for all other HSBC credit card types

Finance Charges

2.49% per month/ 29.88% per annum (HSBC Premier Mastercard credit card)

Varies between 3.49% per month /41.88% per annum to 1.99% per month/ 23.88% per annum (other HSBC credit cards)

Cash Withdrawal Charges

2% of the amount withdrawn

Cheque Return Charges

₹275 (₹140 for Senior Citizens)

 

*Fees and charges may vary based on the credit card type. Do check out the charges associated with specific cards before applying.

 

Post activating your HSBC credit card, you can view and manage your credit card expenses online via the bank’s net banking page. You can also make credit card payments using the HSBC credit card mobile app.

HSBC Credit Card Rewards Program

The HSBC Rewards program is designed to help you save on all your transactions. Every time you use the card to pay, you earn HSBC credit card reward points which you can redeem against garments, fashion accessories, home appliances, cosmetics, electronics, gift vouchers, airline miles, etc. The type of rewards you can earn against some of the top cards is mentioned below:

 

HSBC Credit Card

Reward Points

Accelerated Rewards

HSBC Smart Value Credit Card

1 Reward point for every ₹100 spent

3X Rewards on online, dining, and telecom spends

HSBC Platinum Credit Card

2 Reward points for every ₹150 spent

5X Reward Points on spends more than ₹4 lakh in a year

HSBC Premier Credit Card

2 Reward points for every ₹100 spent

 

 

HSBC Credit Card Customer Care

If you are an Indian resident and have any queries or unresolved grievances concerning your HSBC credit card, you can contact the HSBC credit card customer care on 1800 267 3456/ 1800 121 2208 (toll-free). On the other hand, if you are an international customer, you can call the HSBC credit card customer care on +91-40-61268002/ +91-80-71898002. The phone banking officers are available between 6:30 AM and 8:30 PM to address all your questions. For emergency HSBC credit card services, such as reporting the loss of credit card, or cheque cancellation, etc., the customer care service is available 24x7.

In case you cannot contact customer care via phone, you can always opt to register your complaint via the HSBC net banking page or by visiting your local HSBC bank branch.

How to Get an HSBC Credit Card?

Once you have gone through the HSBC credit card comparison table and decided on the best HSBC credit card for yourself, it’s time to apply for the same. Please note that HSBC credit cards are not available on the Finserv MARKETS website. However, if you wish to get an HSBC credit card online, you can apply via the HSBC official website. You would need to furnish some documents and fill in the HSBC credit card application form for the same. Alternatively, you can visit the HSBC branch and request a bank executive to help you with the process of applying for an HSBC Bank card. The HSBC CC application processing time is roughly two weeks, post which you can expect to receive the card (if the application is approved) within the next seven days.

About HSBC Credit Cards

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Frequently Asked Questions

✔️How can I get a credit card from HSBC?

HSBC credit cards are not available on the Finserv MARKETS website. However, if you want a HSBC credit card you can apply online by visiting the bank website and filling in the application form. You can also submit the HSBC credit card application at the nearest bank branch.

✔️Which credit card is best in HSBC?

There are several HSBC credit card types to choose from depending on your need. Some of the top cards are mentioned below-

  • HSBC Cashback credit card

  • HSBC Visa Platinum credit card

  • HSBC Smart Value credit card

  • HSBC Premier Mastercard© credit card

✔️What is the minimum credit score to apply for an HSBC credit card?

A high credit score of 750 or above is good enough to have your HSBC Bank credit card application approved.

✔️Is HSBC credit card good?

Yes, HSBC credit cards offer a range of benefits to match customers’ specific requirements. You can browse the range of credit card options, understand the features, and select the one you like best.

✔️Can I apply for an HSBC credit card online?

Yes. If you want an HSBC Bank credit card, you can apply online from the bank’s official website. The process is hassle-free and quick.

✔️Can I change my HSBC credit card type?

If you are looking for an HSBC credit card upgrade, you can do so only if you match the eligibility criteria for the new card. You can reach out to HSBC credit card customer care for more information in this regard.

✔️What is the easiest HSBC card to get?

The HSBC Cashback credit card is the easiest credit card to get.