Best HSBC Credit Cards 2024

The HSBC Finance Corporation is the sixth-largest issuer of Visa and MasterCard in the USA. It focuses and aims on expanding its customer base across the globe.

The HSBC Credit Card, which is one of their most popular product Range, is getting popular amongst consumers due to the numerous benefits they offer. Some of these are cash backs, reward points, discounts, etc.

Top HSBC Credit Cards 2024

HSBC Cashback Credit Card

• Enabled with VISA Paywave technology, the card allows contactless payments and is globally accepted
• The card gives your unlimited cashback on all transactions
• Get 1.5% cashback on all online spends (excluding transfer of funds to online wallet) and 1% on all other spends
• Enjoy zero joining fees
• Annual membership fees Rs. 750 will be reversed if your total annual spend exceeds Rs. 100,000
• To apply for this HSBC Cashback Credit Card, you must be at least 18 years of age and have a minimum annual Income of Rs. 400,000

HSBC Premier Mastercard Credit Card

• Avail reward points for brands like Tumi Bose, Apple, Jimmy Choo, etc.
• Get 2 reward points every time you spend Rs. 100
• Get free access to more than 850 airport lounges internationally
• Complimentary access and discounts at selected golf courses in India
• Get 1% fuel surcharge waiver at any fuel pumps
• Get cashback and rewards on international spending
• Enjot nil joining fees and nil annual fees
• Get online fraud protection and lost card liability
• Air miles conversion on InterMiles, British Airways and Singapore Airlines

HSBC Smart Value Credit Card

• Get 10% cashback on all spends across 5 minimum transactions for a total of at least Rs. 5000
• Free Cleartrip voucher worth Rs. 2,000
• Get Rs. 250 worth gift voucher from Amazon on your first transaction
• Get 1 reward point every time you spend Rs. 100
• Get 3x reward points on all your spends on online shopping, dining, etc.
• The cardholder is eligible for a voucher worth Rs. 200 from BookMyShow on spending Rs. 15,000 annually
• Get a fuel surcharge waiver of Rs. 250 monthly, at any gas station across India
• Enjoy nil joining fees and nil annual fees
• To be eligible for HSBC Smart Value Credit Card, applicants must be at least 18 years of age and having a minimum annual income of Rs. 400,000

HSBC VISA Platinum Credit Card

• Get a cashback of up to Rs. 3,000 on spending a minimum amount of Rs. 10,000 across 9 transactions
• Get Rs. 2000 clear trip voucher on your first transaction
• Get 3x reward points on spending at hotels, dining, etc., for the first 12 months
• Get fuel surcharge waiver at all Petrol pumps in India
• Earn 2 reward points every time you spend Rs. 150
• Nil joining and annual fees
• 5x rewards on subsequent purchases made after crossing spend amount of Rs. 400,000 in an anniversary year up to a maximum 15000 accelerated reward points
• Enjoy Fuel surcharge waiver
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• Discounts on movies, flights, restaurants and more
• To apply for HSBC VISA Platinum Credit Card, you must be at least 18 years of age and having a minimum annual income of Rs. 400,000

How to Apply for HSBC Credit Card?

There are two modes of application for an HSBC credit card-

Online

• Go to the company’s official website
• Choose the type of credit card you wish to apply
• Click on the ‘Apply Online’ option
• An OTP (One Time Password) is sent to your registered mobile phone. Use this OTP to proceed
• Enter your personal details
• 'Select Apply', and proceed further

Offline

You can apply offline by simply visiting the nearest HSBC and meeting the credit card representative. The representative will help you complete the application and choose the appropriate card. Your eligibility is checked based on which you'll receive your credit card.

Documents Required

Following are the documents required to get an HSBC credit card-

• An identity proof issued by the government of India like Voter ID, driving license, aadhaar card, passport, ration card, etc.
• Proof of income
• Address proof
• PAN Card
• Passport size photograph

Benefits of HSDC Credit Cards 2024

• Reward Points: Rack up purchase points that translate into goods, cashback, or flight mileage
• Travel Benefits: Some examples might consist of entry into airport lounges, Travel Insurance protection, or special offers/reductions provided by certain airlines or hotels
• Cashback: Depending on their terms, some credit cards will grant cashback in exchange for purchases related to particular products or services
• Low or 0% Introductory APR: Following activation, a special deal Offering reduced rates temporarily becomes available
• No Foreign Transaction Fees: Abroad travel is tailored perfectly by these individuals
• Dining and Entertainment Benefits: Some places offer limited-time promotions such as discounted meals or shows
• Security: Safety remains our top priority by implementing state-of-the-art protection mechanisms for cardholders in both online and brick-and-mortar transactions
• Mobile Banking: Through HSBC, users may gain access to mobile banking platforms and offerings
• Special Offers: Special deals and events are available to cardholders along with regular spending reductions
• Customer Service: Dedicated helplines or service channels for credit card users

Eligibility Criteria

If you want an HSBC Credit Card, here's what the Bank says you need to qualify. Check out the criteria below:

• Age Factor: If you're between 18 and 65 years old, you're in the right age range to apply
• Occupation: Whether you have a regular job or run your own business, you are eligible to apply for an HSBC Bank Credit card

Rewards and Offers

Got reward points with HSBC Bank? Great! Here's what you can do:

• Shop 'Til You Drop: Redeem points for cool stuff like e-gift vouchers or even make a donation
• Upin the Air: Turn your points into AirMiles for your next adventure
• Value Check: For most cards, 1 reward point equals 0.37. But if you have the HSBC Premier Mastercard Credit Card, 1 point is worth 0.43
• Special Mention: With the HSBC Visa Platinum and HSBC Premier Mastercard, you can even change your points to Taj InnerCircle Points. The math is simple: 1000 reward points become 1000 Taj points. Just make sure you convert at least 1000 at a time

Validity of Reward Points

Want to use those reward points on your HSBC Credit Card? Make sure to use them within 3 years from when you earn them. For example, if you got your card on 1st September 2023, any points you collect from then on will be good until 1st September 2026. Don't let them go to waste.

How to Apply for HSBC Credit Card?

There are two modes of application for an HSBC credit card-

Online

• Go to the company’s official website
• Choose the type of credit card you wish to apply
• Click on the ‘Apply Online’ option
• An OTP (One Time Password) is sent to your registered mobile phone. Use this OTP to proceed
• Enter your personal details
• 'Select Apply', and proceed further

Offline

You can apply offline by simply visiting the nearest HSBC and meeting the credit card representative. The representative will help you complete the application and choose the appropriate card. Your eligibility is checked based on which you'll receive your credit card.

Documents Required

Following are the documents required to get an HSBC credit card-

• An identity proof issued by the government of India like voter ID, driving license, Aadhaar card, passport, ration card, etc.
• Proof of income
• Address proof
• PAN card
• Passport size photograph

HSBC Credit Card Statement

You will be receiving the credit card statement every month. The statement will contain all the records and transactions of your previous month. You will receive the statement either via courier or through an email based on the option you’ve chosen. The credit card statement needs to be checked thoroughly.

HSBC Credit Card Customer Care Number

HSBC provides a 24x7 Helpline. You can contact the respective customer care by dialing 1860 266 2667.