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HSBC Bank Credit Card

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

How to Apply for HSBC Credit Cards

There are three ways in which you can apply for HSBC credit cards:

  • A HSBC credit card can be applied for online by visiting  and clicking the "Apply now" button.

  • You can also call HSBC Phone Banking to schedule a visit from a professional.

  • Alternatively, you can go to the nearest Indian HSBC Bank branch and fill out the physical application form.


Here is what you need to take note of while you are applying for HSBC credit card: 

  • With HSBC, you can complete KYC with a single video call to enjoy contactless banking.

  • To complete your application, have your PAN card, Aadhaar number, and income documents available.

  • Provide the information requested in Aadhaar to expedite your application. You may enter the mobile number linked with your Aadhaar card, for instance.


To prepare your HSBC credit card application online, follow the steps mentioned below:

  • Step 1: Visit the official HSBC website ( and take a look at the options available. 
  • Step 2: Pick the HSBC credit card that you think is best suited as per your requirements, and click on “Apply Now”. 
  • Step 3: Fill in the blank spaces where you are required to mention your name, your mobile number, and your email address. You also have to confirm that you are a salaried individual. 
  • Step 4: The next step would be to provide your personal details. 
  • Step 5: You will then have to provide your employment details and review them. 
  • Step 6: Once you have entered the additional details required, you can proceed with your application submission after consenting to all the details provided being correct.  


Alternatively, as mentioned above, you can get in touch with an official via a phone call to make an application. Or, you may visit your nearest HSBC branch to fill out the HSBC credit card application form and submit it immediately. 

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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: 


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

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

HSBC Credit Card Fees and Charges

Type of fees and charges


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 Bajaj 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.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

How can I get a credit card from HSBC?

HSBC credit cards are not available on the Bajaj 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.

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