Best HSBC Bank Credit Cards
The Hong Kong and Shanghai Banking Corporation (HSBC Bank) is an international bank incorporated in 1865 by Thomas Sutherland in Hong Kong. Those who wish to have a touch of luxury along with great discounts and offers should opt for an HSBC Credit Card in India. From offering pre-sale access and complimentary airport lounge access to higher rewards, these cards offer a lot. As of August 2026, HSBC has over 10 lakh+ active credit card customers in India, and more are added daily. Several decent credit cards are available in HSBC’s portfolio, so everyone can find a card suitable for their requirements.
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List of Top 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.
- Joining Fee
- ₹4,999 + GST
- Annual Fee
- ₹4,999 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
Welcome Benefits₹1,000 Cashback, PostCard Voucher Worth ₹3,000, and 3 Month EazyDiner Membership on Spending ₹25,000 Within 30 Days of Card Issuance
- Joining Fee
- ₹999 + GST
- Annual Fee
- ₹999 + GST
- Best Suited For
- Travel | Food | Utility Bills
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate10% Cashback on Dining, Grocery, Shopping, Food Delivery & Utility Bills (up to ₹1,200/Month). 1.5% Unlimited Cashback on All Other Eligible Spends
Welcome Benefits₹1,000 Cashback on Spending ₹25,000 Within 30 Days + HSBC Mobile App Login. ₹750 Voucher for Amazon Pay, Zomato, or Swiggy on First Transaction of ₹300+ (Limited-Time Visa Offer)
- Joining Fee
- Lifetime Free
- Annual Fee
- Lifetime Free
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate2 Reward Points/₹150 Spent
Welcome Benefits3 Month Swiggy One
- Joining Fee
- ₹499 + GST
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping | Food
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate10% Cashback on Dining, Food Delivery, and Grocery Spending. 1% Cashback on Other Eligible Spends (Including UPI). Both Categories are Capped at ₹400
Welcome Benefits₹500 Cashback on Logging in to the HSBC India Mobile Banking App and 2 Month EazyDiner Membership
- Joining Fee
- Lifetime Free
- Annual Fee
- Lifetime Free
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate2 Reward Points/₹150 Spent
Welcome Benefits₹500 Cashback on Logging in to the HSBC India Mobile Banking App and 2 Month EazyDiner Membership
- Joining Fee
- ₹12,000 + GST
- Annual Fee
- ₹20,000 + GST (Waived for Premier Banking Customers)
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate3 Reward Points/₹100 Spent
Welcome Benefits20,000 Reward Points
- Joining Fee
- ₹1,10,000 + GST
- Annual Fee
- ₹1,10,000 + GST
- Best Suited For
- Travel | Shopping | Stays
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate5 RPs/₹100 Spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails Bungalows. 1.5 RPs/₹100 on All Other Eligible Purchases
Welcome BenefitsTwo Breakfast-Inclusive Taj Hotel Stays + One Taj Palace Stay On Activation, Plus An Extra Palace Voucher (Valid Till 31 December 2026)
- Joining Fee
- ₹275,000 + GST
- Annual Fee
- ₹275,000 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate5 Reward Points/₹150 Spent
Welcome BenefitsComplimentary Night Stay at Participating ITC & Claridges Properties Along with a ₹10,000 Wellness Voucher from The Wellness Co., and Complimentary Meal for 4 at Select Restaurants
- Joining Fee
- Nil
- Annual Fee
- Nil
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate1 Reward Points for every Rs. 100 spent on retail transactions and 3x RPs on dining, telecom categories, and all online spends.
Welcome Benefits3 complimentary airport lounge access, an Amazon gift voucher worth Rs. 500, 10% cashback up to Rs. 1,000, and 50% discount on Google Pay.
All About HSBC Bank Credit Cards
Learn more about the top HSBC Credit Cards.
HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card is a travel-focused card that comes with a joining and annual fee of ₹4,999 + GST and is best suited for frequent travellers. You earn 4 Reward Points per ₹100 on flights, travel platforms, and international spends, and 2 Reward Points per ₹100 on other eligible purchases. Points can be transferred to multiple airline and hotel partners at a 1:1 ratio, making it valuable for air miles and hotel stays. The card also offers six domestic and four international lounge visits every year, golf rounds and lessons, travel discounts on popular platforms, milestone benefits on high annual spends, and purchase protection cover. However, the 3.5% forex markup slightly reduces the benefit on international transactions. Overall, it is a solid option for those who want flexible travel rewards and lounge access.
HSBC Live+ Credit Card
The HSBC Live+ Credit Card is one of the best cashback credit cards in India for everyday spending. It offers 10% cashback on dining, grocery, shopping, food delivery, and utility bill payments, along with 1.5% cashback on other eligible spends. The card also comes with Visa Infinite benefits, domestic and international airport lounge access, The Live+ Reserve dining privileges, and a low 1.99% forex markup, making it a great choice for those looking for an all-round cashback credit card at an annual fee of just ₹999 + GST.
HSBC Visa Platinum Credit Card
The HSBC Visa Platinum Credit Card is an entry-level, lifetime-free offering from HSBC, designed for individuals seeking a simple yet rewarding credit card experience. It allows you to earn 2 Reward Points for every ₹150 spent on retail transactions, with accelerated rewards on higher annual spends. The card also offers attractive lifestyle perks, including a Buy 1 Get 1 movie ticket offer on BookMyShow (up to ₹250 off) and dining discounts via partner platforms. With added benefits like a 1% fuel surcharge waiver and zero liability on lost cards, this card is a suitable choice for first-time users looking for a no-annual-fee card with steady rewards and entertainment benefits.
HSBC Premier Metal Credit Card
The HSBC Premier Metal Credit Card is one of the most premium offerings from HSBC, alongside the HSBC Premier and Taj Credit Cards. This card is exclusively available to customers who maintain a Premier banking relationship with the bank. It comes with a joining fee of ₹12,000 + GST, while the annual fee is waived as long as the Premier relationship is maintained.
With benefits ranging from complimentary golf rounds and airport lounge access to a high reward rate with minimal exclusions, it stands out as one of the top premium credit cards in the country.
HSBC Taj Credit Card
The HSBC Taj Credit Card is an ultra-premium, invite-style card designed for high-net-worth individuals who frequently stay at Taj and other IHCL hotels. With a joining and annual fee of ₹1,10,000 + GST, it offers luxury-focused benefits such as complimentary Taj hotel stays (including Palace properties), Taj InnerCircle NeuPass Platinum status, access to The Chambers Lounge, unlimited domestic and international airport lounge visits, four chauffeur-driven limousine transfers each year, and 12 complimentary golf games. Cardholders earn 5 Reward Points per ₹100 spent at Taj and partner hotels and 1.5 Reward Points per ₹100 on other eligible spends (1.5 points = ₹1 for redemption). It also comes with zero forex markup and air accident cover up to ₹1 crore. Overall, this card is best suited for those who regularly stay at Taj properties and can fully utilise its luxury travel and lifestyle privileges.
How To Apply for an HSBC Credit Card?
You can apply for HSBC Bank credit cards either at a branch or online through Card Insider.
Keep a few documents like a PAN Card and an Aadhaar Card handy, as they shall 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 the credit card customer care helpline (for India: 1800 267 3456 / 1800 121 2208; 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 the application status 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 or 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 a.m. and 8:30 p.m.
- It also provides emergency services 24*7 to report loss or misuse of the card/account.
Quick Links
Frequently Asked Questions
Do all the HSBC cards provide complimentary lounge access?
Yes, HSBC Bank offers complimentary lounge access with several of its credit cards including Live+ and Premier Metal Credit Card.
Can I check my HSBC credit card application status online?
No, as of now, HSBC Bank does not provide an online facility to check your credit card application status. To track the application status, call the customer care toll-free helpline.
What are the documents required as address proof to get a card issued by the HSBC Bank?
You can provide anyone from Aadhaar card, voter ID, passport, driving license, etc., as address proof to get a card issued from the HSBC Bank.
Which of these cards does not have an add-on card fee?
None of the above-mentioned cards has an add-on card fee. The HSBC Bank credit cards offer this service for free.
How can I join HSBC Premier?
You can join HSBC Premier by calling the customer care number or visiting an HSBC Bank Branch. Indians can call on 1800 266 3456. While visiting the branch, kindly take your identification documents and recent proof of address with you.
What is the validity of reward points on HSBC credit cards?
The validity of reward points on HSBC Credit Cards is for 3 years from the date of accumulation. The reward points earned from the date of issuance of the credit card, i.e.,the first year, can be redeemed till the end of the third year. For instance, if you get your card on, say 1st January 2024, the reward points earned afterward will expire on 1 January 2027.
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