HSBC Credit Cards Spend-Based Festive Offer

HSBC Bank has introduced spend-based offers for its credit card holders to celebrate the upcoming festivities. While most card issuers offer reward points or vouchers for achieving required spends, HSBC is offering innovative rewards, from vouchers to an Apple iPhone 17 Pro Max. Cardholders can participate in these offers and earn rewards of up to ₹7 lakh for making high spends during this festive season. There are also offers for those who prefer not to make high spends, as they can get Amazon vouchers worth ₹10,000 on spending ₹5 lakh during the offer period. Enrollment is compulsory to be eligible for rewards during this offer.

Offer Period – 20 October 2025 to 31 December 2025 (Both Dates Inclusive)

Various Offer Construct

Here are multiple spend-based offers with HSBC credit cards. Each credit card account can avail itself of only one of these offers.

Iphone 17 + MakeMyTrip Voucher Worth ₹3 Lakhs and More

Eligible customers who spend a minimum of ₹40 lakhs between October 20, 2025, and November 20, 2025, and also spend a minimum of ₹40 lakhs between November 21, 2025, and December 31, 2025, can avail themselves of the following.

• iPhone 17 Pro Max
• MMT Voucher Worth ₹3 Lakhs
• Tata Cliq Luxury Voucher Worth ₹2 Lakhs

MMT Voucher (Worth ₹2 Lakhs)

Eligible customers have the chance to win an MMT Voucher (worth ₹2 lakhs). To qualify, customers must meet the following minimum spending requirements:

Customers who spend a minimum of ₹20 lakhs between October 20, 2025, and November 20, 2025, and also spend a minimum of ₹20 lakhs between November 21, 2025, and December 31, 2025, will meet the required spend criteria.

Win an Apple iPad Air 11th Gen (128 GB)

Eligible customers have the chance to win an Apple iPad Air 11th Gen (128 GB). To be eligible, customers must meet the following criteria:

• Minimum spend requirement between 20 October 2025 and 20 November 2025: ₹10 lakhs
• Minimum spend requirement between 21 November 2025 and 31 December 2025: ₹10 lakhs

Customers who have a net eligible spend equal to or greater than the minimum spend requirement during both periods mentioned in (i) and (ii) will be eligible.

Amazon Vouchers Worth ₹10,000.

Eligible customers who spend a minimum of ₹5 lakhs between October 20, 2025, and December 31, 2025, using any HSBC Credit Card, can avail an Amazon voucher worth ₹10,000.

Offer Terms

• Spending made on the add-on card will be added to the expenditure of the primary cardholder to calculate the overall eligibility.
• Customers are not allowed to combine spending across multiple credit cards to qualify for the offer criteria.
• Offer fulfillment shall be completed by 31st March 2026.
• To be eligible for the offer, cardholders must register within the offer period. Customers can register for the campaign using either of the following methods.
  • SMS HFEST to 575750 using their registered mobile number with HSBC.
  • Click on the registration link mentioned in the offer email.

Excluded Spends

The following categories are excluded from the list of eligible spending for this festive offer.

• Collection Agencies (MCC 7322)
• E-Wallets (MCC 6540)
• Gambling (MCC 7995)
• Insurance (MCC 6300 and 5960)
• Real Estate Agents and Managers (MCC 6513)
• Money Transfer (MCC 4829)
• Lodging (MCC 7012)

Bottom Line

HSBC Bank has introduced a wide range of offers, most of which require high credit limits and significant spending power. Unfortunately, many users may not be able to take advantage of these offers during the festive season as the required spending is quite high, while those with high net worth can easily benefit from them. Let’s take a look at the reward rates offered for different spending criteria.

Those who have some high upcoming expenses should definitely take part in this offer and earn high returns of upto 8.75%.