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Features of HSBC Credit Cards

  • Global Acceptance: Accepted at millions of outlets worldwide.
  • Contactless Payments: Tap and pay convenience.
  • EMI Facility: Convert big purchases into easy monthly installments.
  • Fuel Surcharge Waiver: Enjoy fuel surcharge waivers at select petrol pumps.
  • Secure Transactions: Chip & PIN security with online fraud protection.
  • Add-on Cards: Free supplementary cards for family members.
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Benefits of HSBC Credit Cards

  • Reward Points: Earn on every spend; redeem for gifts, vouchers, and more.
  • Cashback Offers: Attractive cashback on online & offline spends.
  • Dining Discounts: Special offers at partner restaurants across India.
  • Airport Lounge Access: Complimentary domestic/international lounge access.
  • Exclusive Partner Deals: Enjoy discounts on travel, shopping & lifestyle brands.
  • No Annual Fee: Select cards come with no joining or annual fee.
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How to Apply for HSBC Credit Cards

  • Fill Application Form: Provide personal, income & address details.
  • Document Submission: Submit PAN, ID proof, income proof, and address proof.
  • Verification & Approval: Bank reviews and approves if criteria are met.

Eligibility Criteria

  • Age: Minimum 21 years for salaried individuals.
  • Income: Stable income source (specific income criteria based on card type).
  • Credit Score: Good credit score preferred (700+).
  • Residency: Indian resident with a valid residential address.
  • Employment: Salaried or self-employed with valid proof.
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Factors to Consider Before Applying

  • Annual/Joining Fees: Check if card charges any fees.
  • Interest Rates: Understand monthly & annual interest rates.
  • Reward Structure: Know how you earn and redeem points.
  • Spending Habits: Match the card benefits to your lifestyle.
  • Credit Limit: Initial credit limit provided by HSBC.

Usage of HSBC Credit Cards

  • Online Shopping: Use for e-commerce websites & apps.
  • In-Store Payments: Swipe or tap at physical stores.
  • Utility Bill Payments: Pay electricity, phone, water, etc.
  • Travel Bookings: Flight, hotel, and train bookings.
  • Dining & Entertainment: Movie tickets, restaurant bills, subscriptions.

Frequently Asked Questions

What is the minimum income required for an HSBC credit card?
It varies by card but generally starts at ₹4-5 lakhs per annum for salaried individuals.
How long does it take to get an HSBC credit card?
Usually 7–15 working days after successful document verification.
Can I apply if I already hold another bank's credit card?
Yes, having other credit cards can strengthen your application if handled well.
Is there a joining fee on HSBC credit cards?
Some cards have no joining or annual fee, but it depends on the card type.
How can I check my credit card application status?
Track online through the HSBC India website or call customer care.
What happens if I miss a payment?
Late payment fee is charged along with interest; it may affect your credit score.
Can I convert purchases into EMIs?
Yes, eligible purchases can be converted into EMIs via net banking or customer care.

List of HSBC Bank Credit Cards