HSBC Smart Value Credit Card

HSBC Smart Value Credit Cards are the best options for those who are looking to save some percentage of money and want to avail themselves of the benefits of exciting reward programs. The reward points come in various forms like bonus points, gift vouchers, cash back, and discounts.

The eligibility criteria to apply for HSBC Smart Value Credit Card

  • The applicant must be an Indian Resident.
  • The age of the applicant must be 18 years to 65 years.
  • The applicant must be a salaried individual.
  • The minimum income of the applicant must be Rs.3 lakhs.
  • The card is only available in select Indian cities including Delhi, Mumbai, Kolkata, Pune, Noida, Bengaluru, Chennai, Gurgaon, Pune, and Hyderabad.

Features and benefits of HSBC Smart Value Credit Card

  • Earn 1 reward point on every Rs.100 spent.
  • Earn 3x rewards online, dining, and telecom.
  • Get attractive deals on movie tickets.
  • Get travel and gift vouchers.
  • Get a welcome gift of ClearTrip voucher worth Rs.2,000.

The documents required to apply for HSBC Smart Value Credit Card:

Proof of Identity and address

  • Passport
  • Driving license
  • Voter's ID
  • Registered society outgoing bill
  • Water/Electricity/Telephone bill
  • Pipeline connection gas bill
  • Domicile certificate with address (issued by Municipal Corporation)
  • Property tax bill
  • Registered rent or lease agreement
  • Defense ID card
  • Aadhaar card
  • Government employee ID card

Income proof for salaried

  • Latest salary slip
  • Form 16

Income proof for self-employed

Recent Income Tax returns

Fee and charges of HSBC Smart Value Credit Card

Fee and Charges Details
Annual Fee Rs. 499 (reversed on spending Rs. 50,000 in previous year)
Finance Charges Can vary between 1.99% per month (23.88% per annum) to 2.99% per month (35.88% per annum)
Add-on Fee( Per annum) NIL
Interest-free Credit Period Up to 52 days
Minimum Payment Due 5% of the total payment due to the statement plus greater of the past due or over limit due (if any), subject to a minimum of Rs. 100. Interest will be charged on the extended credit as per terms and conditions.
Duplicate Statement Request Rs 100 per statement
Transaction fees for cash advances 2.5% of transaction amount (subject to a minimum of Rs. 300)
Late Payment Charges Minimum Payment Due Amount Up to Rs. 500 – Fine of Rs. 400
Between Rs. 500 & Rs. 1,000 – Fine of Rs. 500 Above Rs. 1,000 – Fine of Rs. 750
Over Limit fee Rs 500 per month
Foreign Currency Transaction Fee 3.50% of the amount

How to apply for HSBC Smart Value Credit Card?

  • Log on to the official HSBC bank website.
  • Take the cursor on the credit cards tab and click on ‘HSBC Smart Value Credit Card’
  • Read through the features and benefits of the card.
  • Click on ‘Apply’.
  • Fill in your personal and contact details.
  • A representative of the bank will contact you to take your application further.

HSBC Credit Card Customer Care

The HSBC credit card customer care number is 1860 108 778 or 1860 500 2277

If you wish to know about more reward credit cards,  click here. We IndiaLends have collaborated with the top banks and financial institutions that are offering the best-in-class reward credit cards in terms of bonus points, air miles, cashback, discounts, gift vouchers, and so on.