HSBC Bank Credit Cards

HSBC offers a variety of lifetime free credit cards tailored for the requirement of all categories of customers. The cards are loaded with amazing features & benefits, including zero joining & annual fees, attractive cashback and credit limits. You can apply and get offer of Rs 1000 cashback voucher *.

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Best HSBC Credit Cards

Name of the Card	Annual Fee	Type of Card
HSBC VISA Platinum Credit Card	NIL	Travel
HSBC Smart Value Credit Card	NIL	Lifestyle & Cashback
HSBC Cashback Credit Card	Rs. 999/- (reversed on annual total spend above Rs. 2 Lakh	Cashback & Shopping
HSBC Premier Credit Card	Rs. 20,000 (waived for Premier-qualified customers)	Lifestyle

Features of HSBC Credit Card

Some common features you can enjoy after applying for HSBC Credit Card online.

Annual fees and renewal fees will vary for each cardholder depending on the card held and will be informed at the time of applying for the card.
Credit-free period up to 50 days is available. If the cardholder opts for revolving payment, then an interest as low as 1.9% p.m. will be applied on the balance carried forward.
Cash withdrawal charges at 2.5% of the amount withdrawn with a minimum of Rs. 500 will be collected.
Limit on the Credit Card will be fixed by HSBC bank based on several criteria and the limit has to be shared among the Add On members as well. The same will be informed to the cardholder at the time of delivering the card.
If the card is used beyond the limit, 2.5% of the over limit will be charged for all cards except Infinia.
A late fee ranging from Rs. 100 to Rs. 750 is applied per statement cycle for the card dues not paid in accordance to the due date.

Benefits of HSBC Credit Card

The Benefit of HSBC Credit Cards are a lot, however, the most popular cards among each segment of users because of the following reasons:

Instant approval on applying for HSBC credit card online.
It can be automatically set to pay recurring bills like phone, electricity, and water bills.
It has the best ‘buy now and pay later’ option. You also get a grace period up to 50 days from the date of purchase. During the grace period, interest will not be charged on the outstanding amount.
You will earn reward points for every purchase with the card which can be redeemed for exciting gifts and vouchers.
The Applicant can easily apply for HSBC Jumbo Instant Loan.
With selected offline and online merchants, HSBC offers a host of cash back and discounts.
The Credit Card statement gives an item wise list of expenditures made on the Credit Card, which helps you keep track of your expenses.

How to Apply for an HSBC Credit Card Online?

Click on the ‘Apply Now’
Compare various HSBC Credit Card offers to find the best one for you.
Submit an online application form for the card that you have chosen along with some personal details and HSBC Credit Card Document.

If you fulfill the HSBC Credit Card Eligibility, the card will be issued to you after it is approved.

Eligibility to Apply for a HSBC Credit Card?

The HSBC Bank has set the following eligibility criteria for availing its Credit Card facility:

The applicant can either be salaried or self-employed.
Applicant should be in the age group between 21 years to 60 years if salaried or between 21 years to 65 years if self-employed.
Should have a stable income.
Applicant should submit income proof, address proof, business proof, and Photo ID.
Credit score should be above 750.

Fee & Charges of HSBC Credit Card

Type of charge	Amount
Financial charges on extended credit and cash advances	3.3% p.m. from the date of the transaction
Duplicate statement	Rs. 100 for statement older than 3 months
Cheque bounce charges	Rs. 350
Transaction fee for cash advance against your Credit Card	2.5% of the transaction with a minimum of Rs. 300
Over limit fee	Rs. 500
Late payment fee	50% of the minimum payment due with a minimum of Rs. 500 and a maximum of Rs. 750 per month.
Sales slip retrieval	Rs. 225 per month
Out of station cheque collection charges	Rs. 50 per instrument up to Rs. 10,000 Rs. 100 per instrument above Rs. 10,000 up to Rs. 1 Lakh Rs. 150 per instrument above Rs. 1 Lakh
Credit Card replacement charges	Rs. 100
Currency conversion charges for foreign currency charges	3.5%
Balance enquiry on Credit Card in other bank ATM	Nil
Handling charges for the redemption of rewards	Rs. 50 per redemption
Charges for cash payment made for the card at HSBC branches and HSBC drop box	Rs. 100
Copy of credit information report	Rs. 50

Documents Required for HSBC Credit Card

For Salaried employees

2 photographs of the applicant in passport size.
ITR records from the last two years.
Proof of identity such as the applicant’s Passport/ PAN Card/ Voter ID/ Driving License
Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport.
Proof of Income such as last six months’ salary slip, Form 16 of two years, Bank statement of previous six months (that reflects salary is credited or EMI is debited).

For Self-Employed

2 photographs of the applicant in passport size.
Proof of identity such as the applicant’s Passport/ PAN Card/ Voter ID/ Driving License.
Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport.
Proof of Business like GST/ Service Tax Registration/ company’s incorporation details/ Address proof of the business/ accounts and balance sheets showing profit and loss statements which have been certified by a CA/ the proof of the business’ existence/ a copy of the partnership deed and business profile.

How to Pay HSBC Credit Card Bill Online

You can make HSBC Credit Card payments using different options:

Netbanking: Use HSBC Net Banking service for your credit card number as the beneficiary account number to transfer funds.
Mobile Banking: Download the HDFC mobile banking app and make payments from your smartphone.
Cheque: Drop a cheque at any HDFC collection centre at least 10 days before the due date.
Cash: Make a cash payment towards the loan at your nearest HDFC branch.

How to use HSBC Credit Card (Tips & Advice)

To make the best HSBC Credit card use, here are some simple tips:

Pay the full outstanding amount on or before your due date.
Avoid using your HSBC Card to make cash withdrawals unless it is an emergency.
Do not use the full available credit each month as it reflects poorly on your CIBIL report.
Do not make minimum payments as it is the easiest way to get entangled in credit card debts.
Use your credit card only when required. Or make sure you keep track of the payments made using your card.
Never disclose your credit card details to anyone over email, SMS, or phone calls.

Additional Info: Check benefit of HSBC Credit Card Lounge Access & apply.

Balance Transfer: How to use the BT feature and what are the Benefits?

With HSBC Balance Transfer on EMI facility provided by HSBC Bank, you can easily transfer your other bank’s credit card balance to HSBC at attractive rate of interest. You can opt for low EMIs without any hassle of documentation. It is a quick and easy method to clear your outstanding card amount, through a BT to your Credit Card. Pay EMIs as low as Rs. 27 per Rs. 10,000 and repay in easy instalments of 9 to 48 months.

You can check your eligibility for this facility by logging into HSBC Net Banking & Click Cards → Credit Cards → Transact → Balance Transfer On EMI. You can also call HSBC’s PhoneBanking round the clock.

Find out more about the HSBC Bank Virtual Credit Card

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