HSBC Credit Card

HSBC Bank, also known as The Hongkong and Shanghai Banking Corporation, is an international bank that was established in 1865 by Thomas Sutherland in Hongkong. In 1959, it acquired the Mercantile Bank of India in Mumbai. It is the second oldest foreign bank in India. The bank’s headquarters is located in London, and it is listed on several stock exchanges, including London, New York, Hong Kong, and Bermuda. HSBC Bank was initially founded to cater to the needs of merchants along the China coast and facilitate trade between China, Europe, and the United States. Over time, it expanded its presence to 130 countries, offering a wide range of products and services, including credit cards, to its commercial banking clients, retail customers, and corporate clients. The bank offers a diverse portfolio of credit cards, ensuring that individuals can find a card that suits their specific requirements. To make an informed decision, take a look at the credit card information provided below.

Features and Benefits

• Get special rewards or gifts when you join, offsetting joining fees and giving you extra benefits.
• Earn points for every transaction and redeem them for cashback or gifts.
• Pay for airline tickets with your card and earn miles for discounts or free tickets. Access airport lounges too.
• Some cards give you cashback on specific expenses like online shopping or utility bills, helping you save money.
• Many cards offer insurance coverage, including travel insurance, for added protection.
• Credit cards are accepted worldwide, making it easy to shop abroad without worrying about currency exchange or finding ATMs.
• Your credit limit can be used as a quick source of funds during emergencies. You can also convert bills into EMIs if needed.

Fees and Charges

*Amounts mentioned are subject to change and may vary.

Eligibility Criteria

Age: at least 18 years of age.
Occupation : Both salaried and self-employed individuals.
Credit score: Preferred 750.
Income: This varies from card to card, but minimum salary required is Rs.3 lakhs per annum.

Documents Required

• Identity proof such as Aadhar/PAN card, driver’s license.
• Address proof such as electricity/telephone bill, driving licence.
• Income proof for salaried individuals: Bank statement showing salary credit for the last 3 months, Salary slips for the last 3 months.
  For self-employed individuals: Latest income tax return record

How To Apply?

To apply for HSBC Bank credit cards, you have two options:

Online Method:

1. Visit https://www.hsbc.co.in/credit-cards/.
2. Select the credit card you want.
3. Click on ‘Apply Now.’
4. You will be taken to an application form. Fill it out carefully.
5. Follow the instructions on the bank’s website to complete all formalities.

Branch Visit:

• Visit the nearest HSBC Bank branch.
• Apply for the credit card with the help of the bank staff.

List of Best HSBC Bank Credit Cards

HSBC Visa Platinum Credit Card
Joining Fee: NIL
Renewal Fee: NIL
Best Suited for: People who regularly use their credit card for purchases, whether it’s for online or in-person transactions.

HSBC Visa Smart Value Credit Card
Joining Fee: NIL
Renewal Fee: Rs.499. Waived if the annual spends in the previous year exceed Rs.50,000.
Best Suited for: People who often use their credit card to make purchases in installments.

HSBC Cashback Credit Card
Joining Fee: Nil
Renewal Fee: Rs.750. Waived if the annual spends in the previous year exceed Rs.1 lakh.
Best Suited for: People who often use their credit card for shopping online and in physical stores, and also prefer to make purchases in installments using the EMI (Equated Monthly Installment) option.

HSBC Premier Mastercard Credit Card
Joining Fee: NIL
Renewal Fee: NIL
Best Suited for: People who want access to a wide range of high-quality services and special benefits on their credit card.

HSBC Advance Visa Platinum Credit Card
Joining Fee: NIL
Renewal Fee: NIL
Best Suited for: This is for people who want the top-tier benefits and advantages that come with a premium credit card.