cards / credit / hsbc india / hsbc-smart-value-credit-card
HSBC
4242 •••• •••• ••••
YOUR NAME HERE
VISA
↑ Your name appears embossed when you sign in.
§ BENEFITS
shopping
3X Reward Points on Online Shopping
Earn 3X reward points on all online shopping transactions including e-commerce and app-based purchases
3X RP
rewards
1X Reward Points on Other Spends
Earn 1 reward point per ₹100 on all other retail purchases
1 RP per ₹100
fuel
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹2,50,000
- Min monthly salary
- ₹20,000
- Age
- 21 – 60
- Min credit score
- 650
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- APR (monthly)
- 3.15% p.m.
- APR (annual)
- 37.80% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Free — Lifetime Free Card
† Free — Lifetime Free Card
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 5
- Own bank charge
- ₹20
- Other bank free / month
- 5
- Other bank charge
- ₹20
- International withdrawal
- ₹125
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹4,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹20,000
- POS + e-com / day
- ₹1,50,000
- Contactless / txn
- ₹2,000
- Contactless / day
- ₹20,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- HSBC Reward Points
- Earn rate
- 3X online shopping, 1 RP per ₹100 other
- Point value
- ₹0.25
- Effective cashback
- 0.25%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Not included
- International
- Not included
- Domestic guests allowed?
- No
- International guests allowed?
- No
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with HSBC India and earns no commission on applications.