MyLoanCare is a FREE of cost service for borrowers Apply Online

MyLoanCare - Baat Aapke Interest Ki

MyLoanCare Customer Ratings - 4.5/5.0 Apply Online

HSBC Credit Card

Best HSBC Credit Card

Last Updated 23rd Jun 2021
Best HSBC Cards Interest Rate Annual Fee (₹)
Visa Platinum Card 3.35% NIL
MMT Platinum Card 3.30% 499
Apply for Credit Card Looking for a Loan? Looking for an Investment?

Top Credit Cards Offered by HSBC Bank

HSBC Bank Credit Cards Category Joining Fee Monthly Interest Charge
Advance Visa Platinum Card Low Fee NIL 3.30%
MMT Platinum Card Rewards, Travel and Airline ₹ 499 3.30%
MMT Signature Card Rewards, Travel and Airline ₹ 3,499 3.10%
Premier Master Card Low Fee NIL 2.49%
Visa Platinum Card Cashback NIL 3.35%

HSBC Bank Credit Card

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.

HSBC Bank Credit Card Eligibility

In order to apply for HSBC Credit card offers one needs to meet the following eligibility criterias, as listed below:

Income: The minimum income of the applicant should be ₹ 20,000 for salaried employees and annual income after tax deduction should be ₹ 5 Lakh 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 as your credit history defines your repayment capacity. 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 of making 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 and you can easily opt to apply for HSBC Bank credit card. The bank comes with special credit card offers for its existing bank account holders 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 HSBC credit card online or from any HSBC Bank branch if you are at least 21 years old upto maximum age group of 60 years. However, the minimum age to get a HSBC Bank credit card online or from the bank varies by various schemes depending on the card you choose to apply for.

Documents required for HSBC Bank Credit Card

The type of credit card documents required differ for new and existing card holders to apply for HSBC credit card. 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

HSBC Bank Credit Card Benefits and Features

HSBC Bank credit card features are:-

  • Maximum Cashback upto ₹3000 with a minimum spend amount of ₹ 10,000 across 9 transactions
  • 2 Reward points for every ₹ 100 spent
  • 3 Times Rewards Program Bonus Points on online spends for the first 24 calendar months from the date of issuance of your credit card
  • MakeMyTrip discount vouchers of ₹5,500
  • Dineout and get discounts up to 20% in major cities
HSBC Bank credit card benefits are:-

  • 3 Times Rewards (3X) on all spends at dining, hotels and telecom categories for the first 12 calendar months from the date of card issuance
  • 2 Reward points for every ₹150 spent
  • Fuel privileges where you can save on fuel surcharge by 2.5% or maximum ₹ 250 per calendar month
  • Get 2.5% fuel surcharge waiver on fuel transactions between ₹ 500 and ₹ 4000 at all petrol pumps in India

Types of Credit Card in HSBC Bank

HSBC Bank Credit Card With No Annual Fees

NO FRILLS CARD

Pay negligible or zero joining fees and enjoy the convenience of spending on the credit cards without any add on benefits.

Cards Name Joining Fee (₹) Annual Fee (₹)
HSBC Bank Premier Master Card 0 0
HSBC Bank Advance Visa Platinum Card 0 0

HSBC Bank Travel Cards

TRAVEL WITH COMFORT

Get ease and convenience of travel if you are a regular and a frequent airline business traveler in India and to international destinations.

Cards Name Joining Fee (₹) Annual Fee (₹)
HSBC Bank MMT Platinum Card 499 499
HSBC Bank MMT Signature Card 3499 3499

HSBC Bank Reward Cards

GET REWARDS FOR SPENDING

Receive reward points, every time you spend on pre-specified categories on the card. Get attractive gift vouchers and discount coupons available on accumulated reward points.
Rewards cards are similar to cash back credit cards, but instead of receiving cash when you spend you gain reward points which can be converted into vouchers spendable at a large range of retailers.

Cards Name Joining Fee (₹) Annual Fee (₹)
HSBC Bank MMT Platinum Card 499 499
HSBC Bank MMT Signature Card 3499 3499

How to Apply HSBC Bank Credit Card Online?

If you are an existing customer you can apply for HSBC Bank Credit Card by visiting the nearest bank branch or can apply online by following the below-mentioned procedure:

HSBC Bank Credit Card Apply Online:-

  • Visit HSBC Bank official web portal and on the HSBC Bank Credit Card page, find the list of HSBC Bank credit cards on the top.
  • Now, choose a card as per your choice and click on the 'Check Eligibility' button.
  • You will now be redirected to the application page if you are eligible for the card.
  • Next, fill all the required fields and click on 'Submit'.
  • Finally, upload the essential documents and click on 'Submit.'
  • As you have successfully submitted all the documents and application, you will receive an acknowledgement message with the 'Application ID'. You can use the same ID to track your application status.

If you are a new customer, you can visit the bank branch or follow the below-mentioned procedure to apply for HSBC Bank Credit Cards:

  • Visit HSBC Bank official web portal and on the HSBC Bank Credit Card page, find the list of HSBC Bank credit cards on the top.
  • Now, enter your personal and contact details.
  • Next, the representative of the bank will contact you and guide you about the process of applying for HSBC Bank Credit Cards.

How to Increase HSBC Bank Credit Card Limits?

There are two different ways through which you can revise credit card limits:-

  • Pre-approved credit limit offer
  • Credit limit increase on request

Pre-Approved Credit Limit Offer: This offer is given to those HSBC Bank customers who pay their dues on time. The HSBC Bank bank will SMS or email about this scheme and they can also find it in their monthly statement. To accept the offer you can visit the official website of HSBC Bank bank or call customer care number.

Credit Limit Increase on Request: You can directly apply for enhancement with HSBC Bank bank. The bank will check the eligibility and if you are eligible then your application will be processed. You will have to submit last two months salary slips, Form 16 and ITR to the bank.

How to Generate HSBC Bank Credit Card PIN?

HSBC Bank credit card pin generation can be done by performing the following steps:-

  • Pin can be generated at an ATM
  • Pin can be generated through net banking
  • Or calling a customer care number

How to Earn and Redeem Reward Points in HSBC Bank Card?

HSBC Bank reward points are earned on every purchase made using a credit card except, E-Wallet loading transactions, cash withdrawal, balance transfer and disputed transactions. Also, reward points depend on card to card.

Reward points can be redeemed through:-

  • Visiting official website
  • Mobile App of HSBC Bank
  • Calling customer care number

How to Check HSBC Bank Credit Card Status?

The process of tracking the status of the HSBC Bank credit card application is simple and can be done through online and offline modes. Track the Status of HSBC Bank Credit Card Online by visting the official webiste of HSBC Bank Bank.

You can track the Status of HSBC Bank Credit Card Offline by calling the 24*7 customer care number and by visiting the nearest HSBC Bank Bank branch.

FAQs

How do I apply for an HSBC credit card?

HSBC credit card can be applied for online.To apply for HSBC credit card online, 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 HSBCs 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.

Which credit card is best in HSBC?

Some of the best credit cards from HSBC are; Advance VISA Platinum Card, and MMT Signature Card.

What is the minimum salary for HSBC credit card?

The minimum salary required is Rs. 20,000 per month. Thus individuals with the eligible salary can go for HSBC credit card apply.

Which HSBC credit card has no annual fee?

HSBC credit cards with no annual fee are: Advance VISA Platinum Card, MMT Platinum Card and MMT Signature Card.You are not required pay any joining fees too.

What is HSBC credit card charges?

Some of the important HSBC credit card charges that you should know are;

  • Foreign Transaction Fee - 0.3% (Min. Rs. 100 and Max. Rs. 1,500)
  • Card replacement fee - NIL
  • Return of Cheque - Rs. 275 (Rs. 140 for senior citizens)
  • Late payment charges - 50% of Minimum payment due OR minimum Rs. 400 an maximum Rs. 750 per month
  • Cash advance fee - 2.5% of transaction (min. Rs. 300)
  • Over limit fee - Rs. 500 per month.


Notification ×
  • Home Loan

    Home Loan at all-time low rates starting at 6.64%. Cashback of up to ₹ 1,000.

    Apply Now
  • Personal Loan

    Instant Personal Loan starting at 10.25% with Cashback of up to ₹ 1,000 .

    Check Offers
  • Gold Loan

    Instant Gold Loan starting at 9.50% with Cashback of up to ₹ 500

    Apply Now
  • Loan Against Property

    Best Loan Against Property Offers starting @ 9.80%. Cashback of up to ₹ 1,000*.

    Apply Now
  • Business Loan

    Collateral Free Business Loan Rates starting at 14.00% with Overdraft facility.

    Apply Now
  • Fixed Deposit

    AAA rated FDs with returns as high as 6.95%.

    Invest Now
HSBC Credit Card News - Jul 2021
  • 2021-06-23 : Google Pay launches cards tokenisation with SBI and other banks
    After successfully rolling out tokenisation with Kotak Mahindra Bank, SBI Cards, and Axis Bank, Google Pay has now added debit cards by SBI, IndusInd Bank, and Federal Bank and credit cards by IndusInd Bank and HSBC India to its slate. Digital wallet platform Google Pay has expanded its network of bank partners offering cards tokenisation on the Google Pay app and added lenders including SBI, IndusInd Bank, Federal Bank, and HSBC India. Google has rebranded its Tez app, launched in September, as Google Pay—the catch-all label for its payments services.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
Loader
Please wait while your information is being processed...