List of Best HSBC Credit Cards in India
Please find below the complete list of credit cards offered by HSBC. You can compare all their features, benefits and fees, and then apply online for the one that suits you the most. It is also possible to compare these top cards on our credit card comparison platform.
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Top HSBC Bank Credit Cards
HSBC Bank offers three credit cards, which are as follows-
HSBC Premier Mastercard Credit Card
HSBC Premier Mastercard is one of the best cards offered by HSBC Bank. On this card, you get the lowest foreign currency mark-up charges as compared to other cards mentioned in this article. You can gain two reward points for every Rs. 200 spent with this card. You can also enjoy the travel benefits every year. On this card, you get a variety of privileges on golf, shopping, and entertainment.
HSBC Visa Platinum Credit Card
It’s an entry-level credit card proposed by the HSBC Bank, which offers a quite decent reward rate on every retail spending on this card. Moreover, it provides you with exciting offers and discounts on movies and dining. Earn two reward points for every other spend of Rs. 150 on this card and 5x reward points on spending above Rs. 4 lakhs. This card can be ideal for first-time credit cards.
HSBC Cashback Credit Card
With this card, cardholders can enjoy cashback benefits in various categories like dining, online shopping, and more. HSBC Bank on this card entitles you to enjoy the best deals, from paying bills to buying flight tickets. This card allows you to earn 1.5% cashback on all online transactions and 1% cashback on all other spendings. Moreover, you can also enjoy the spend-based annual fee waiver on achieving the annual spending of Rs. 1,00,000.
Note:- On all above-mentioned credit cards, HSBC Bank provides zero liability lost card protection.
HSBC Credit Card Reward Points & Cashback
Credit Card | Reward Points |
HSBC Visa Platinum Credit Card | 2 RPs on every other Rs. 150 spent on this card and 5x RPs on spending above Rs. 4,00,000 in a year. |
HSBC Premier Mastercard Credit Card | 2 RPs for every Rs. 100 spent on this card. |
HSBC Cashback Credit Card | 10% cashback on eligible spends like grocery, dining and food delivery & 1.5% cashback on all other transactions. |
Rewards Redemption
HSBC bank allows you to easily redeem your reward points or convert your reward points into AirMiles. It gives you a plethora of choices to choose from product catalogues ranging from e-gift vouchers to donations and more. While choosing goods and services from the product catalogue, the maximum value of 1 reward point is equivalent to 0.37 for all credit cards except the HSBC Premier Mastercard Credit Card.
*For HSBC Premier Mastercard Credit Card, the maximum value of 1 reward point is equivalent to 0.43.
Furthermore, on HSBC Visa Platinum Credit Card and HSBC Premier Mastercard Credit Card, you can also convert your reward points to Taj Inner Circle Points (1000RPs = 1000 Taj Inner Circle Points). For this purpose, you need to redeem a minimum of 1000 reward points.
For the conversion of reward points to Airmiles, kindly see the table:
Credit Card | Reward Redemption |
HSBC Visa Platinum Credit Card | 2 RPs = 1 InterMile
1 RP = 1 Kris Flyer Mile/Avios Mile |
HSBC Premier Mastercard Credit Card | 3 RPs = 2 InterMiles
1 RP = 1 Kris Flyer Mile/Avios Mile |
Complimentary Airport Lounge Access With HSBC Credit Cards
Card | Complimentary Lounge Access |
HSBC Visa Platinum Credit Card | 3 Complimentary Domestic & International Lounge Access in a Year |
HSBC Cashback Credit Card | 4 Complimentary Domestic Lounge Access in a Year |
HSBC Premier Mastercard Credit Card | 24 Complimentary Domestic Lounge Access and 2 International Lounge Access in a Year |
Annual Fee
An annual Fee is an important factor you might look for while applying for a credit card. Different HSBC Credit Cards may have different annual fees on the basis of features provided by them.
Credit Card | Annual Fee | Renewal Fee | Renewal Fee Waiver Condition |
HSBC Visa Platinum Credit Card & HSBC Premier Mastercard Credit Card | Nil | Nil | NA |
HSBC Cashback Credit Card | Rs. 999 | Rs. 999 | Reversed on Spending Rs. 2,00,000 |
*spends within an anniversary year.
Other Fees and Charges
Credit Card | Interest Rate | Cash Advance Fee | Foreign Currency Markup | Reward Redemption Fee | Add-on Card fee |
HSBC Visa Platinum Credit Card and HSBC Cashback Credit Card | 3.49% p.m. (41.88% p.a.) | 2.5% or a minimum of Rs. 500. | 3.5% | NIL | NIL |
HSBC Premier Mastercard Credit Card | 2.49% p.m. (29.88% p.a.) | 2.5% or a minimum of Rs. 300. | 1.99% | Rs. 50 | NIL |
Eligibility Criteria
Credit Card | Age | Minimum Income requirement for salaried employees |
HSBC Visa Platinum Credit Card and HSBC Cashback Credit Card | 18 years – 65 years | Rs. 4 lakhs per annum |
The eligibility criteria for HSBC Premier Mastercard Credit Card is that you are required to maintain an HSBC Premier relationship in India.
Documents Required
Identity Proof (any one) | Address Proof (any one) | Income proof |
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How To Apply for an HSBC Credit Card?
You can apply for HSBC Bank Credit Cards either by visiting the nearest branch or by the online method with Card Insider. Keep a few documents like a PAN Card handy as it might be required while filling out the form. You can simply click on the Apply Now button right next to the HSBC Card of your choice. You can also visit the nearest HSBC Bank branch to apply for a new credit card.
HSBC Bank Application Status
To track the application status, you need to call credit card customer care ( helpline number for India: 1800 267 3456 / 1800 121 2208 and for overseas 040-61268002/ 080-71898002) only on working days from 6:30 am to 8:30 pm. However, HSBC Bank does not provide any facility to check application status in online mode.
Customer Care
- HSBC Bank provides priority service to its credit card members within India and from Overseas.
- If you have any personal banking and credit card queries, call the toll-free helpline numbers for India: 1800 267 3456 / 1800 121 2208 and for overseas 040-61268002/ 080-71898002 during office hours, i.e., between 6:30 am to 8:30 pm.
- It also provides emergency services 24*7 to report loss or misuse of card/account.