HSBC Bank Credit Card

Last Updated 20th Feb 2019

HSBC Credit Card Online

Polpular HSBC Cards Interest Rate Annual Fee
Visa Platinum Card 3.35% NIL
MMT Platinum Card 3.30% Rs. 499
Apply for Credit Card
+91
Rs.

Compare & Apply for HSBC Bank Credit Cards Online in India

HSBC Bank Credit Cards Category Joining Fee Monthly Interest Charge
Advance Visa Platinum Card Premium NIL 3.30%
MMT Platinum Card Rewards, Travel and Airline NIL 3.30%
MMT Signature Card Rewards, Travel and Airline NIL 3.10%
Premier Master Card Premium NIL 2.49%
Visa Platinum Card Cashback NIL 3.35%

Why choose HSBC Bank Credit Cards?

HSBC serves its customers with a various credit cards to choose from. The cards offer great reward points, privileges and benefits and can be redeemed for attractive products and services. HSBC is known for its exceptional rewards programme tailor-made to suit the needs of a shopaholic, traveller or a fine-dine connoisseur.

Top HSBC Bank Credit Cards

Visa Platinum Card: HSBC Visa Platinum Credit Card is a rewards and cashback card with zero joining and annual fee. The card offers cahback, rewards and discounts on flights, dining, hotels, telecom and BOGO offer on BookMyShow.

MMT Platinum Card: As the name suggests, the MMT Platinum Card by HSBC offers many travel benefits such as discounts and reward points on domestic and international flight bookings through MakeMyTrip, lounge access, dining privileges, fuel surcharge waiver and concierge services. The card also comes with exclusive Membership Anniversary gifts.

HSBC Bank Credit Card Eligibility

Income: The minimum income of the applicant should be Rs. 20,000 for salaried employees and annual income after tax deduction should be Rs. 500,000 for self employed. Usually, HSBC Bank gives a credit limit of 2 to 3 times of the monthly income you earn. For salaried individuals, it is based on the net monthly salary and in case of self-employed individuals, it is based on the income declared in IT return filed for the last financial year. In case you have an existing credit card from HSBC Bank or from any other bank, then HSBC Bank will not check your income and your credit card eligibility will be checked based on existing credit card's transaction history.

CIBIL Score: Most banks, including HSBC Bank prefer a credit score of 700 and above before sanctioning a credit card for you. A lower score reduces your chance of getting credit card approval. A high credit score would allow you to get an easy approval on credit card. If you already have a credit card then HSBC Bank checks your existing credit card's transaction and payment history to ensure that you are capable to make repayments on time.

Existing Relationship with HSBC Bank: If you already have an account with HSBC Bank, you have a higher chance of getting a credit card. HSBC Bank comes with special credit card schemes for its existing bank holders which would mean higher credit limit, waiver or discount on joining fees and annual fees and special promotional offers as a joining pack. In addition, if you have been maintaining a good balance in your account consistently over the , past few years, you are more likely to secure a higher credit limit on your card.

Age: Bank has different credit cards targeted at different age groups and income groups of borrowers. You can apply for a credit card from HSBC Bank if you are at least 21 years old upto maximum age group of 60 years. However, the minimum age to get a credit card from HSBC Bank varies by various schemes depending on the card your choose to apply for.

Documents required for HSBC Bank credit card

The type of documents required differ for new and existing card holders. Existing credit card holders are those who already own a credit card either from HSBC Bank or from any other bank. In this case, income documents are not required.

Document Type For New Card Holders For Existing Card Holders
Identity Proof PAN card, Driving License, Voter ID card, Passport PAN card, Driving License, Voter ID card, Passport
Address Proof Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number
Income Proof
  • In case of salaried Individual- Last 3 months salary slips, 6 months bank statement for salary account
  • In case of self-employed- Latest IT returns with computation of income or certified financial documents, Proof of business continuity
Not Required
Existing Card Proof Not Required Front copy of card, 1 latest statement within 15 days

Frequently Asked Questions

How do I apply for an HSBC credit card?

To apply for HSBC Credit Card, you have to follow some simple steps given below:

Step 1: Visit the official website of HSBC and click on the 'Personal Banking' tab from the top bar

Step 2: From the 'Personal Banking' section, select the credit card option

Step 3: You can click on the 'Apply Now' tab on any of the cards you want to apply for as per your requirement

After submitting the form, you will get a call from HSBC’s representative who will assist you throughout the process and fix a meeting with the representative for documents collection.

You can also apply offline for HSBC credit card by downloading the application form and submitting it to the nearest HSBC branch with the required documents.

You can even apply for HSBC credit card through an SMS and one of the representatives will call you and assist you through the process.

How do I check my HSBC credit card balance?

You can easily check your HSBC credit card balance by using HSBC Mobile Banking app after filling the required details:

Step 1: Enter username and password

Step 2: Click on 'Balances'

Step 3: A list of all the accounts and cards will be displayed

Step 4: Click on the credit card you wish to know the balance for

How do I activate my HSBC credit card?

As soon as you get your new credit card from the HSBC Bank, sign the back and choose one of two easy ways to activate it:

  • By Personal Internet Banking: Log-on to Internet Banking, click on 'Activate new card' and follow the instructions.
  • By Phone: Call 0800 3281 370 and speak to a representative of the Customer Services team of the bank to get your card activated
What is the eligibility of HSBC Credit Cards?

To qualify for a HSBC credit card, the following eligibility criteria should be met by an individual. The applicant must be at least 21 years of age. Minimum annual income should be INR 4,00,000 for self-employed as well as salaried applicants.

Credit Card News - Feb 2019
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. MyLoanCare is an independent professional service provider and is not related to the government or government bodies or any regulator or any credit information bureau in any way. Information carried at this website is not and should not be construed as an offer or solicitation or invitation to borrow or lend. The Company does not undertake any liability with respect to the correctness of the content, information and calculations. Information is subject to change without notice. By submitting your query or using any tools or calculators, you authorize MyLoanCare to share your information with lender(s), consent for such lender(s) to access your credit information report and contact you regarding your query overriding your number being in National Do Not Call Registry. This is a free service and no charges are payable by the borrower to MyLoanCare. The Company may receive remuneration from lenders for services provided to them.