HSBC Bank Credit Cards
The HSBC is offering 5 credit cards to the customers catering well to the need and requirement of daily spending. There are a wide variety of benefits are associated with HSBC Credit Cards such as reward points for each purchase made on fuel or shopping. Apart from this, few credit cards are offering cashback on transactions. The Credit card offered by the banks is also offering various vouchers from the websites like ClearTrip or BookMyShow.
The eligibility criteria to apply for HSBC Credit Cards
The documents required to apply for HSBC Credit Cards are:
Proof of Identity and address
Income proof for salaried
Income proof for self-employed
Recent Income Tax returns
Top Credit Cards of HSBC Bank
| Credit Card variants | Annual Fee | Best Suited for |
| HSBC Visa Platinum Credit Card | NIL | Lifestyle |
| HSBC Smart Value Credit Card | Rs 499 | Rewards |
| HSBC Premier MasterCard Credit Card | NIL | For HSBC Premium Banking customers |
| HSBC Cash Back Credit Card | Rs 750 | Cashback |
| HSBC Advance Visa Platinum Credit Card | NIL | For HSBC Advance Banking Customers |
HSBC Card fees and Charges
| Fees and Charges | Amount |
| Joining/ Annual Fees | Varies from Card to Card |
| Finance Charges on extended Credit | The interest rate is dynamic and can vary between 1.99% per month (23.88% per annum) to 2.99% per month (35.88% per annum) |
| Finance Charges on extended Cash Advance | 3.3% per month (39.6% per annum |
| Minimum repayment on extended credit usage. | 5% of outstanding dues of the statement plus greater of past due or Over Limit due (if any) subject to a minimum of Rs. 100 |
| Cash Advance Limit | As mentioned in the monthly statement |
| Over Limit Fee | Rs 500 per month |
| Late Payment Fee | 50% of the minimum payment due (subject to a minimum of Rs. 400 and a maximum of Rs. 750 per month) |
| Card Replacement Fee | Rs 100 |
| Currency conversion charge for foreign currency transactions | 3.5% |
| Reward Redemption Charges | Rs 50 per redemption |
How to apply for HSBC Credit Card
How to apply for Credit Card at IndiaLends Platform?
HSBC Credit Card Customer Care
The HSBC credit card customer care number is 1860 108 778 or 1860 500 2277
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FAQ’s
Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.
The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.
Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.
Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.