HSBC Credit Card

Last Updated 16th Dec 2018

HSBC Bank Card Online

Polpular HSBC Cards Interest Rate Annual Fee
Visa Platinum Card 3.35% NIL
MMT Platinum Card 3.30% Rs. 499
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Compare HSBC Bank Credit Cards Online, Best HSBC Credit Cards

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

Which HSBC Bank credit cards are best for people who frequently travel abroad?

HSBC Bank offers many travel cards which are attractive from the point of foreign exchange services, airport lounge services and booking tickets. These are MMT Platinum Card, MMT Signature Card.

Which credit cards of HSBC Bank offer the most rewards and cashbacks?

Visa Platinum Card, MMT Platinum Card, MMT Signature Card are the popular cashback and reward cards. These cards also offer fuel surcharge waivers

What happens if I do not make my HSBC Bank credit card payment on time?

If you do not make your HSBC Bank credit card payment on or before due date, then HSBC Bank levies an interest charge of 2.49% to 3.35% on your credit card which has to be paid by you along with the due amount. All the transactions made by you in the credit card period appears in your HSBC credit card statement.

Credit Card News - Dec 2018
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