Best HSBC Bank Credit Cards
| Card Name | Annual Fee | Best For |
|---|---|---|
| HSBC Visa Platinum Credit Card | Nil | Travel |
| HSBC Smart Value Credit Card | Nil | Lifestyle & Cashback |
| HSBC Premier Mastercard Credit Card | Nil | Travel & Lifestyle |
| HSBC Advance Visa Platinum Credit Card | Nil | Travel |
| 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 |
HSBC Credit Card Features
- Balance transfer facility: Balances in other bank cards can be transferred to HSBC Credit Card apply at a lower interest. Interest rate ranging from 10.99% to 15% depending on the tenure chosen.
- Conversion to EMI: Big purchases made on the Credit Card can be converted in EMI and paid in instalments.
- Instant replacement of lost card: You can use the Visa Global Assistance service or HSBC helpline and get the lost card cancelled and an emergency replacement card will be issued within 3 days anywhere in the world.
- Loan against credit card: HSBC offers instant loan on Credit Card. An instant cash advance is available with minimum documentation.
- Zero liability for lost cards: No liability for transactions made after reporting and registering the lost card to HSBC.
HSBC Credit Cards Eligibility
Eligibility for HSBC Visa Platinum Credit Card
- The age of the applicant should be between 18 and 65 years.
- Minimum annual income should be Rs. 4,00,000 for salaried persons.
- Applicant should be resident Indian residing in New Delhi, Gurgaon, Noida, Bangalore, Hyderabad, Chennai, Mumbai, or Pune.
- The applicant should have a good credit score.
HSBC Credit Cards Benefits
HSBC Credit Cards apply now and enjoy the benefits mention below:
- Zero joining fees
- Zero annual fees
- Balance Transfer on EMI
- Cash-on-EMI
- Loan-on-Phone
- HSBC cards are enabled with VISA Paywave technology which allows contactless payments on credit card.
Eligibility for HSBC Premier Mastercard Credit Card
- The card is offered only to Premier Customer.
- For the HSBC Premier relationship, the customer has to maintain a Total Relationship Balance of Rs. 4,00,000 quarterly.
- The applicant should have a mortgage relationship with the disbursal of Rs. 1,15,00,000 or more with HSBC India or the applicant should have an account with a net monthly salary credit of Rs. 3 Lakhs under the HSBC Corporate Employee Programme.
Eligibility for HSBC Cashback Credit Card
- Applicant must be aged between 18 to 65 years
- Annual income of salaried applicants must be minimum Rs. 4,00,000 p.a.
- Applicant must be an Indian resident residing in Bangalore, Chennai, Hyderabad, Mumbai, Gurgaon, New Delhi, Noida, or Pune.
Eligibility for HSBC Advance Visa Platinum Credit Card
- This card is offered only to HSBC Advance Customers.
- To obtain the Advance Customer relationship, the customer has to maintain a Total Relationship Balance of Rs. 5,00,000 in a quarter.
Eligibility for HSBC Smart Value Credit Card
- The age of the applicant should be between 18 to 65.
- Should have a regular source of income.
- Applicant should be a resident Indian.
- The credit score of the applicant should be good.
HSBC Credit Cards Documents Required
The documents required to apply for HSBC Credit Card are:
- Recent passport-sized photograph (self-attested)
- Latest salary slip/ salary certificate (self-attested)/ ITR/ Form 16: If you are an employee of Multinational Corporation (MNC)
- If you own other Credit Cards, submit their copy of front & back along with your latest Credit Card statement.
- Copy of your recent salary slip, bank statements of last 3 months showing salary credits (if you're a salaried person in a Private Limited Company).
- PAN card/ Form 60
- Copy of any one residence proof (self-attested):
- Passport
- Voter's/ Election ID
- Permanent driving licence
- Electricity/Telephone/Water bill or Gas bill (for pipeline connection only)
- Society outgoing bill (from registered societies only)
- Property tax bill
- Municipal Corporation issued Domicile Certificate mentioning address
- Registered rent or lease agreement (registered with state government/ similar registration authority)
- Aadhaar card
- Defence ID card
- Government employee ID card
- NREGA job card
- Copy of any one identity proof (self-attested):
- Passport
- Voter's/ Election ID
- Permanent driving licence
- PAN card