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HSBC offers credit cards with varying benefits around dining, movies, rewards, travel, etc. The features are suitable for the different needs of individuals belonging from both entry-level and premium categories. Choosing the right HSBC credit card wisely as per your eligibility and spending patterns can fetch users valuable savings. The cards extend benefits like cashback on online shopping, complimentary movie vouchers, reward points on all purchases, and more. Here is all you need to know about HSBC Credit Cards to find which of these cards would be the best fit for you.

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Updated: 21-02-2025 10:52:20 AM

5 Best HSBC Credit Cards in 2025

HSBC Taj Credit Card

taj-credit-card
4/5

Joining fee: ₹110000

Annual/Renewal Fee: ₹110000

25% savings on room/suite stay at Taj Palaces, Safaris and other properties

Free access to The Chambers Lounge and Taj Club Lounge

Travel
Lounge Access
Co-branded
Check Eligibility

Product Details

  • Taj InnerCircle Platinum NeuPass membership covering benefits like priority/early check-ins, late check-outs, dedicated 24/7 Platinum concierge service, and more
  • Free access to premier executive business club- The Chambers Lounge (12 visits/year) and Taj Club Lounge (up to 12 times a year), with tea/coffee for 2
  • Unlimited room upgrades to the next level of room or suite at participating hotels (on up to 5 consecutive night stays)
  • 25% savings on the best available rate for room/suite at Taj Palaces, Safaris and other properties
  • 4 free set meal for two vouchers at Taj and other participating restaurants
  • 25% savings on food and beverages, including Qmin deliveries
  • Complimentary 60-minute spa treatment (up to 4 a year), plus access to the sauna and steam room
  • Free swimming pool access for 2 (up to 12 times a year)
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HSBC TravelOne Credit Card

travelone-credit-card
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

2x rewards on all travel bookings

Up to 20% off on Zomato, Yatra, EaseMyTrip

Travel
Reward Points
Check Eligibility

Product Details

  • Cashback worth Rs. 1,000; Postcard Hotels voucher worth Rs. 3,000 and 3 months EazyDiner Prime membership on card activation
  • 4 reward points on every Rs. 100 spent on flights, travel aggregators, and in foreign currency
  • 2 reward points on every Rs. 100 spent on other spending categories
  • Value of 1 reward point = 1 Air Mile or Hotel Point
  • 10,000 bonus reward points on spending more than Rs. 12 lakh in a year
  • 6 domestic and 4 international airport lounge access per year
  • 4 rounds and 12 golf lessons per year, capped at 1 per month
  • Up to 20% off at duty-free shopping via the AdaniOne app or website
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HSBC Premier MasterCard Credit Card

hsbc-bank-premier-credit-card
3.5/5

Joining fee: ₹12000

Annual/Renewal Fee: ₹20000

3% reward rate on all spends

Unlimited lounge access

Travel
Lounge Access
Reward Points
Check Eligibility

Product Details

  • 12,000 Taj Experiences Gift Card, Complimentary Taj Epicure Membership and EazyDiner Prime Membership on activation
  • 3 reward points per Rs. 100 across all spends
  • Conversion into air miles in 1:1 ratio against Apple Product purchase and Ailines
  • Unlimited complimentary domestic lounge visits
  • Unlimited complimentary international lounge visits with 8 free guest visits in a year
  • Low forex mark-up fee of 0.99%
  • Buy One Get One offer on BookMyShow
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HSBC Live+ Credit Card

live-plus-credit-card
3/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

10% cashback (max. Rs. 1,000/month) on dining, grocery & food delivery

Unlimited 1.5% cashback on other spends

Dining
Cashback
Check Eligibility

Product Details

  • 4 complimentary domestic airport lounge visits per year
  • Rs. 1,000 cashback on making Rs. 20,000 worth of spends within the first 30 days of card issuance
  • Up to 15% off at partner restaurants via Live+ Dining Programme
  • Annual fee waived off on annual spends worth more than Rs. 2 lakh
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HSBC Visa Platinum Credit Card

hsbc-platinum-credit-cards
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

5X rewards up to 15,000 per year on annual spends above Rs. 4 lakh

Redeem rewards for InterMiles, CV points, and British & Etihad air miles

Shopping
Reward Points
Check Eligibility

Product Details

  • 2 reward points per Rs. 150 spent
  • 5X rewards up to 15,000 per year on spends made over Rs. 4 lakh annual spends
  • Rewards redemption for InterMiles, Club Vistara points, and airmiles from British & Etihad Airways
  • Fuel surcharge waiver of up to Rs. 3,000 per year on fuel spends of Rs. 400 to Rs. 4,000
  • Zero lost card liability cover of up to Rs. 3 lakh
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In addition to these, HSBC also offers HSBC Privé—an invite-only super-premium credit card tailored for its private banking clients with a Total Relationship Balance (TRB) exceeding $2M (approx. INR 12 Cr). The card offers luxurious benefits around travel and lifestyle, such as Antarctic travel via private jet, access to Michelin star restaurants, zero forex markup, and exclusive shopping benefits.

Video: HSBC Travel One Credit Card Review

HSBC Credit Card: Features & Benefits
HSBC Credit Card: Fees & Charges
HSBC Credit Card: Eligibility & Documentation
How to Apply for HSBC Credit Card?
Quick Links
FAQs
HSBC Credit Card: Features & Benefits


Here are the common features and benefits of HSBC Credit Cards:

  • Instant Credit Options: You can use your HSBC credit card to make purchases across products like electronics and apparels, or to fund experiences like travel.  You can pay the amount spent back in easy EMIs (equated monthly installments). Additionally, the issuer offers an instant loan offer feature called the ‘Loan on Phone’ to fund such expenses at a lower interest rate.
  • Balance Transfer: HSBC offers the Balance Transfer-on-EMI service that allows the transfer of outstanding balances from other bank credit cards to your HSBC credit card. This can be repaid via convenient monthly installments at a reduced interest rate.
  • Balance Conversion: You can also opt for the balance conversion feature, via which you can ‘spend today and pay later’. You can again divide your outstanding balance and pay it in easy EMIs.
  • Safe & Secure Online Banking: You can manage your HSBC credit card easily with HSBC’s online banking facility from anywhere in the world. Besides, all cards are enhanced with extra security for secure transactions.

These are some general features applicable on HSBC credit cards. In addition to these, each card is feature-loaded with benefits like rewards, cashback, complimentary lounge access, etc, that may vary as per the card type. To check details, please visit the card specific page.

HSBC Credit Card: Fees & Charges
Fee Type Amount
Joining Fee Varies from card to card
Annual Fee Varies from card to card
Finance Charges* Up to 3.49% per month | 41.88% per annum
Late Payment Charges* 100% of the minimum payment due (subject to a minimum of Rs. 250 and a maximum of Rs. 1,200 per month)

* These charges may vary from card to card.

HSBC Credit Card: Eligibility & Documentation

To be eligible for an HSBC credit card, you are required to meet the basic eligibility criteria set by the bank as shown below-

Criteria Detail
Age 18-65 years
Occupation Salaried and Self-Employed
Minimum Income Varies from card to card
Documents Required Click here to see the list of acceptable documents

Note: May vary from card to card or as per user’s profile. 

How to Apply for HSBC Credit Card?

HSBC is a credit card partner with Paisabazaar. You can follow these steps to apply for an HSBC credit card:

1. To begin with, provide your mobile number in the credit card application form on the top of this page.

2. Enter the OTP as received on your number to check the pre-qualified offers on the screen.

3. Now, compare the available options based on the features that match best with your spending patterns and income eligibility.

4. Then, apply for a chosen credit card and provide the required documents to begin the application process.

FAQs

How to generate a new PIN for HSBC Credit Card?
In order to generate a new credit card PIN for your HSBC Credit card, you can use Internet Banking or can visit the nearest Bank Branch. Additionally, you can also contact the bank at their phone banking numbers 1800 267 3456 /1800 121 2208. The new ATM PIN is dispatched to your mailing address within 7 working days from the date of generation.

How to pay HSBC credit card bill?
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 via 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.

Which is the best HSBC credit card?
Choosing the best credit card is subjective based on your needs and 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. Similarly, HSBC Live+ Credit Card is a good choice if you use your credit card frequently across dining, grocery & food delivery, since the card offers accelerated 10% cashback in these categories.

Can I use HSBC Credit Cards to make international payments?
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 (except for HSBC Premier Credit Card that charge 0.99%) and Rs. 100 as cash withdrawal fee against bank accounts at overseas ATMs.

Can I avail exclusive discounts with HSBC Credit Cards?
Yes, HSBC Cashback Credit Card offers exclusive deals and discounts every month for its cardholders. You can avail discounts on top brands like Amazon, Amazon Pay, PharmEasy, EazyDiner, Blinkit and more. However, the bank keeps changing these brands every month. Therefore, you have to keep a check on the bank’s website to avail such benefits.

In how many days do I receive my HSBC Credit Card?
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.

How do I receive my HSBC credit card statement?
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 website.

How do I activate my HSBC Credit Card?
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.

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 issuer. If you wish to upgrade to a better credit card, you can send a request.

Why is my HSBC credit card declined at a store?
The card can be declined because of various 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 issuer to find out the issue.

How can I check my application status for HSBC Credit Cards?
You can apply for a credit card with HSBC 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 customer care at 1800 267 3456 or 1800 121 2208.

What is the eligibility criteria for HSBC Premier credit card?
HSBC Premier is offered only to HSBC Premier customers with specific eligibility parameters including quarterly total relationship balance of Rs. 40 lakh or Mortgage relationship with a disbursal of Rs. 1.15 crore or Corporate salary account with a net monthly salary credit of Rs. 3 lakh.

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