HSBC Credit Card

*Not available on Paisabazaar.com. Please visit HSBC Bank’s official website to apply.
^#GST extra

Let us have a look at top HSBC credit cards for 2019 in India:

HSBC has set certain eligibility norms for the applicants. The income criteria may differ from one card to another. However, there are some common requirements such as-

• The applicant should be at least 18 years old
• The applicant should be an Indian Resident
• He/she should have a regular source of income
• He/she should not have any recent delinquencies

Some credit cards are only offered to HSBC Premier Customers.

Documents Required for HSBC Credit Card

The applicants are required to submit a few documents on the basis of which HSBC will decide their eligibility and credit limit. Proof of Identity, Proof of Address and Income Proof are required to be submitted. Here’s a list of the documents that applicants need to submit-

• Duly filled application form for HSBC credit cards
• Identity proof which may include PAN, Aadhaar, Voter’s ID, etc.
• Address proof which may include Aadhaar Card, electricity bill, credit card statement, etc.
• Salary slip/certificate for employees of MNC corporates
• Photocopy of front and back of credit card and latest credit card statement for employee of other credit cardholders
• Photocopy of last 3 months’ salary slips for employees of Private Limited Companies
• Latest personal income tax returns and business card for self-employed applicants.

How to Apply Online for Best HSBC Credit Cards

You can apply for HSBC Credit Card on our website in a few simple steps-

Step 1- Click here to begin your application process
Step 2- Enter the required information and proceed to the list of credit cards that you are eligible for
Step 3- Find the HSBC Credit Card in the list and check your eligibility for the same by entering some more details
Step 4- If you are eligible, you can proceed with the application by filling out a form and submit it instantly

Once submitted, you will get a call from one of the credit card representatives of HSBC who will guide you through the process further. One of the field officers from the bank will also visit you to collect the required documents at your doorstep. If approved, your new card will be issued shortly.

You can also apply for HSBC credit cards directly through HSBC’s website.

How to Apply Offline for Top HSBC Credit Cards

• You can download the HSBC Credit Card Application form, fill it and submit at the nearest HSBC branch along with the required documents
• Remember that there are different forms available for different HSBC cards, so read about the cards and choose the right form to fill
• Alternatively, you can also visit the branch directly and speak to a credit card representative who will guide you through the entire process of application
• You just need to have all documents handy for an instant approval

How to Apply for HSBC Credit Cards through SMS

If you want to apply for HSBC Credit Card, you can also send an SMS and one of the bank’s representatives will call you and guide you through the application process. The SMS that you need to send is-

NEW CARD to 575750

If you have applied for HSBC credit card, you would like to know the application status. HSBC does not offer any online option to check HSBC credit card status. You can so do by calling on the bank’s customer care numbers given below-

Your application status may show the following results-

• Approved
• Rejected
• In process
• On hold
• No Record Found

HSBC lets you earn while you spend through the credit card under the rewards program. You can get benefits in the form of rewards when you spend on shopping, travel, dining, etc.

• 1 Reward point for every purchase of Rs 250 on HSBC Classic Credit Cards
• 1 Reward point for every purchase of Rs 100 on HSBC Gold Credit Cards
• 2 Reward points for every purchase of Rs 150 on HSBC Platinum Credit Cards
• 2 Reward points for every purchase of Rs 100 on HSBC Premier Credit Cards

HSBC Credit Card Reward Redemption

Cardholders can redeem their reward points against the exciting redemption options available to them. It includes garments, jewellery, cosmetics, gift vouchers, or vouchers for any retail outlets, airline miles or as donation to any charity fund.

You can also convert the rewards earned on your HSBC credit card into air miles when booking flight ticket on Jet Airways & Singapore Airlines. Given below is the table for conversion ratio-

*For HSBC Premier MasterCard® Credit Card
**For other HSBC Credit Cards

You can also access the online rewards catalogue to choose from a host of reward redemption options.

One can make HSBC Credit Card Bill Payment through any of the ways given below-

HSBC Credit Card Bill Payment Online through Netbanking

• You can directly make payment of your HSBC credit card bill by logging onto HSBC Internet Banking platform
• Just enter your credentials, log in and make payment
• Mobile banking may also be used to make direct payment

HSBC Credit Card Bill Payment Online through Bill Desk

• You can pay your HSBC credit card bill through any of your bank accounts by paying through the Bill Desk (http://www.billdesk.com/hsbccard/)
• Enter your credit card number, amount to be paid and select the bank through which you want to make the payment
• You will then be redirected to the payment interface of your bank
• Enter the authentication details and confirm your payment
• Once the payment is successful, you will get confirmation mail on your registered email address

HSBC Credit Card Bill Payment Online through Standing Instruction

You can set standing instructions to debit your HSBC savings account or current account to make payment towards your HSBC Credit Card.

HSBC Credit Card Bill Payment Online through NEFT

• You can also use the NEFT facility to make HSBC credit card bill payment
• Go to the ‘Add Beneficiary’ section of your bank and enter you 16-digit HSBC credit card number in place of account number
• Enter the name on card and the IFS Code
• The IFSC for HSBC is HSBC0400002
• Once added, you can make payment through NEFT.

HSBC Credit Card Bill Payment Online through VISA Money Transfer

The money can also be transferred from your bank account to HSBC Visa credit card online by using Visa Money Transfer.

HSBC Credit Card Bill Payment Online through ECS

The Electronic Clearance System allows the customer to auto debit amount from other bank account to make payment towards HSBC credit card.

Other ways to make payment include-

• Cheque
• Draft
• Through ATMs
• Over the counter cash payment

The toll free number for HSBC credit card customer care is 1860 108 7788 or 1860 500 2277.

HSBC Credit Card holders can contact any of the above two numbers to know anything about their credit card. The following facilities can be availed through HSBC Customer Care-

• Application Status – If the customer wants to check the status of the card application, the bank also helps in providing the relevant facility. For checking the status, the applicant simply needs to visit the bank’s website and check the status online. The 24 hour HSBC bank’s phone helpline can also be contacted to know the status of the card.
• Credit Card Statement – The bank sends the credit card statement to the customer via an email every billing cycle which contains the list of transactions carried out per cycle and the amount required to be paid to the bank to settle the credit card debt. The statement is sent every month free of cost. In case the customer does not receive the statement, he or she can log into the bank’s website and check the statement by entering their credit card details or call at the banks phone helpline number and request for a statement.
• Online Payment – Customers can pay their credit card bills online through net banking facility provided by the bank. The various methods of online payment of credit cards bill are internet banking, NEFT (National Electronic Fund Transfer), Bill Desk, Visa Money Transfer, ECS (Electronic Clearing System – a process used by those customers who do not have an existing account with HSBC Bank). Customers who have any queries related to payment can contact the customer care team of HSBC.

One can also write a letter, email or message the bank with his or her queries and their problems will be solved within 10 working days.

1- HSBC Credit cards are worldwide accepted and are designed to facilitate a high living standard for its customers. The products are well-designed for shopping, dining, travelling and many more products.

2- The customer can also visit the credit card section on Paisabazaar.com to compare HSBC credit cards and to know more about the details of the credit card.

3- One can enjoy free credit facility up to the period of 52 days on the purchases made at the recognized outlets under the specific terms and conditions.

4- Rewards program and redemption of reward points can be known from visiting the site. The customer can call up the customer care or can redeem the points from the rewards catalogue against points available on the HSBC credit card.

Lost card liability and how to avoid the misuse of the credit card by the third person can be clarified properly from the site.

The transaction fees charged for all the transactions done by using the HSBC credit cards, interest fees charged for all the cash advances taken and the finance charges for all the outstanding of the amount not paid within the due date.

5- The customer needs to be aware of the minimum amount due on his card from the monthly statement as sent to him on the registered address or through mails to avoid any late fine being charged on his card and also to avoid the transactions being declined for the non-payment of the amount due. The customer may choose to pay more than the minimum due if he wish to so.

6- If the customer continues to pay only the minimum amount due on the credit card his repayment would extend till the total outstanding is not cleared. For example, if the customer has a payment due of Rs 5,000 he will continue paying it for the next 9 years to clear his total outstanding on the card taken in consideration that he does not make any additional transactions with the card.

7- The customer is required to pay the minimum amount due as on the due date , non-payment of which would attract the severe consequences such as:-

• The credit rating of the customer would be affected.
• The other credit facilities offered by the HSBC bank will not be available for the defaulter customer.
• HSBC can cancel the credit limit available to the customer and can assign the recovery agency for recovering the total outstanding.
• HSBC will notify its customers about any change in its terms and condition of any product one month before its implication.

8- The customer can visit the credit card section at the site Paisabazar.com for further details and enquiries about any products of the HSBC bank.

Can I use HSBC Credit Cards to make international payments?
Yes. All HSBC Credit Cards are internationally accepted.

What happens if I lose my credit card?
You should immediately call the customer service of the bank to report the loss of card. The bank will issue a new card and dispatch it to your address.

My communication address has changed. How do I update it on my credit card account?
You can call the customer service department of HSBC to inform about any address change. If you have registered for the net banking services of HSBC, you can affect an address change through the same.

What if I cross the credit limit on my HSBC Credit Card?
HSBC charges an over-limit fee on its credit cards if the user exceeds the available credit limit.

Can I upgrade my HSBC credit card?
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 and then they will check your application.

When is the interest charged on my HSBC credit card?
Interest is charged only if you revolve outstanding balances to the next billing cycle. In this case, new purchases will also attract interest from the very first day of the purchase.

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