HSBC Credit Cards

Your HSBC Credit Card PIN is sent via SMS within 3 working days from the date of card issuance. If you wish to change your credit card PIN, you can visit an HSBC ATM and select the ‘Change PIN’ option on the screen to proceed. In case of any discrepancy in generating the PIN, you can contact the HSBC Bank customer service at 1800 267 3456 /1800 121 2208.

There are multiple ways to pay your HSBC credit card bill. You can use HSBC netbanking, mobile banking, NEFT/RTGS, BillDesk, by mailing your cheque or draft to the nearest HSBC branch, via standing instructions linked with your HSBC savings or current account, by depositing cash or cheque at the HSBC ATM in India or by the over the counter facility by paying via cash or cheque at any HSBC branch in India. Note that over the counter credit card bill payment involves a cash payment charge of Rs. 100. Click here to read all about HSBC Credit Card Bill Payment.

HSBC Platinum, HSBC Smart Value, and HSBC Cashback Credit Card are some of the best options from HSBC Bank. But, the suitability of these cards depends on what type of card you need and what are your spending habits. For instance, HSBC Visa Platinum is a good choice if you are looking for a rewards credit card along with benefits on shopping and entertainment. HSBC Smart Value Credit Card is a good option if you are looking for both rewards and cashback across online spends, dining, and telecom categories. Lastly, HSBC Cashback Credit Card is a good choice if you use your credit card frequently, since the card offers unlimited cashback on all your transactions at zero annual fee.

Yes, all HSBC Credit Cards are internationally accepted. However, note that there may be certain associated fees and charges for all transactions done abroad. Currently the bank charges 3.5% as foreign currency mark up fee and Rs. 100 as cash withdrawal fee against bank accounts at overseas ATMs.

On receiving the application form with all required documents, the credit card request is processed within two weeks. Once this application is approved, you are most likely to receive your credit card in 7 working days. You will receive alerts for your application status on the active mobile number you mentioned on the application form via SMS.

Your HSBC credit card statement is delivered to your mailing address (as per bank’s record). For tracking, you receive the Airway Bill number/courier reference number via SMS on your active mobile number. In addition to that, you also receive your statements via e-mail on your personal email id. In case you have self-registered for Internet Banking services, you can view and download your statement hassle-free, by visiting the ‘Ways to Bank’ section on the HSBC Bank website.

On receiving your card, you need to first activate your credit card before using it. For this, (i) you can use your ATM PIN to activate the card on an HSBC ATM (ii) perform a PIN based transaction or (iii) Call HSBC India Phone Banking.

Yes, card upgrade facility is offered by HSBC on its credit cards. However, your eligibility for the same will be decided by the bank. If you wish to upgrade to a better credit card, you can send a request to the bank.

The card can be declined because of many reasons, the most common being an insufficient credit limit. So, if you think you have sufficient limits and still your card is declined, you must call the bank to find out the issue.

You can apply for a credit card with HSBC Bank hassle free. However, it takes around 7 working days to get the application processed. During this time you can check the application status by contacting the HSBC Bank customer care at 1800 267 3456 or 1800 121 2208.

HSBC credit cards offer varying reward rates across different credit cards. With HSBC Visa Platinum Credit Cards, you can earn 2 reward points for every Rs. 150 spent, whereas, with HSBC Smart Value Credit Card you earn 3X rewards on online, dining and telecom spends. When it comes to cashback, with HSBC Cashback Credit Card you can get 1.5% cashback on all online spends and 1% cashback on other spends.

Both of these credit cards have different benefits, and choosing the best amongst these two should be a subjective choice. However, note that HSBC Cashback credit card is a good option for you if you are looking for cashback across all spends, as you get 1.5% cashback on every transaction done online and 1% on every transaction done offline. HSBC Visa Platinum Credit Card on the other hand is a good option, if you are looking for rewards credit card at zero joining and annual fee. The card offers 2 reward points for every Rs. 150 spent. You can redeem these points for airmiles conversion on InterMiles, British Airways and Singapore Airlines.