Features & Benefits of HSBC Smart Value Credit Card

The key HSBC Cashback Credit Card benefits and features:

Introductory Offers

3X rewards on all spends on online, dining & telecom categories. Limited to 1,000 incremental reward points per month.

• 3 complimentary airport lounge access at domestic and international lounges or 3 AirDine (meal) vouchers at airport restaurants in India.
• Earn 1 reward point for every INR100 you spend with your HSBC Smart Value Credit Card.
• 10.99%p.a. for equated monthly instalment (EMI). Applicable within 90 days from the date of card issuance on loan on the phone, balance transfer on EMI, and cash on EMI.
• Earn 1 point for every INR 100 you spend with your Card.
• Make annual savings of up to INR3,000 on fuel surcharges with our credit card waiver.

EMI Products

• Cash-on-EMI
• Loan-on-phone
• Instant EMI
• Balance transfer
• Balance conversion

Alliance Offers

• Pickyourtrail Curated deals on luxury hotel stays with an option of ‘book your holiday today and avail it in the future’. Just log on to Pickyourtrail and book now.
• Goibibo: Up to 15% instant discount on the flight, hotel, outstation cab & other travel bookings every Tuesday.
• Cleartrip: Up to Rs. 7,000 instant discount on booking domestic flights & hotels every Friday.
• Akbar Travels: Rs. 200 off on domestic flight booking and the convenience fee (worth Rs. 250) waived off on every ticket booking done on Wednesdays.
• Age between 18 to 65 years.
• Yatra: Up to 20% instant discount on travel bookings every Thursday & Sunday till 26 march 2023.
• Samsung: Up to 35% discount on mobile phones & accessories.
• Vijay Sales: 7.5% instant discount at Vijay Sales stores & website on using Instant EMI facility till 31 March 2023.
• Ajio: 10% off (up to Rs. 1,000) on Tuesdays.
• Tata CLiQ: Up to 15% instant discount on select Lifestyle and Luxury products.
• PVR: 10% off on food & beverages, every day, every time.
• Zomato: Exciting offers on Zomato dining & food delivery.
• BookMyShow: Buy-one-get-one-free offer on booking movie tickets on Saturdays

HSBC Smart Value Credit Card Fees & Charges

• Standard joining fee: Nil.
• Standard annual fee for the first year: Nil.
• Standard annual fee from second year onwards: Nil.
• Interest rate: 3.49% per month (41.88% p.a.) onwards; can go down up to 1.99% per month (23.88% p.a.) depending on the customer's risk profile.
• Balance transfer charges: 10.99% to 15.99% p.a. interest rate across tenures & 1.5% (minimum Rs. 200) processing fee.
• Foreign currency markup: 3.3%.
• Minimum Payment Due (MPD) on credit usage: Minimum Rs. 100.
• Charges for bounced cheque: Rs. 350.
• Transaction fee for cash withdrawal at bank’s branches & ATMs: 2.5% of the transaction amount (minimum Rs. 300).
• Transaction fee for cash withdrawal at overseas ATMs: Rs. 100.
• Reward points redemption fee: Rs. 50 per request.
• Duplicate statement fee: Rs. 100 per statement older than 3 months.
• Card re-issuance: Rs. 100

HSBC Smart Value Credit Card Eligibility Criteria

• You must be an Indian resident.
• You must be aged between 18 and 65 years.
• You must be a salaried individual
• Your minimum annual income should be at least Rs. 4 Lakhs or more

HSBC Smart Value Credit Card Documents Required

• If you are a Multinational Corporation (MNC) employee: Salary slips/ Salary certificate.
• If you have another credit card: A copy of the front of the credit card and latest statement.
• If you are a salaried employee working in a Private Limited Company: A copy of your latest salary slip with the last 3 months of bank statements showing salary credits
• Proof of residence as well as identity.
• Permanent Account Number (PAN) Card/ Form 60

How to Apply?

• Click on the "Apply Now" button
• A new window will open for you on the website of the HSBC Bank.
• Fill in the required details and submit.