HSBC Credit Card

Welcome Offer- Avail the following welcome benefits-

• 10% cashback (up to Rs. 2,000) for making a minimum of 5 transactions of Rs.10,000 or more in the first 60 days of card issuance
• BookMyShow voucher worth Rs. 500 on spending over Rs. 50,000 in a calendar month
• Amazon Voucher worth Rs. 500 on a single transaction of greater than or equal to Rs.500 (within 30 days of the card being issued)

*The introductory offers are valid from 01 July 2020 to 31 December 2020.

Reward Points- 2 reward points for every Rs.150 spent.

Accelerated Rewards- 5X Reward Points on subsequent purchases made after spending Rs. 4 lakh or more in a year. 

Dining Discounts- Up to 15% discount at over 1000 restaurants across the country.

Savings on Fuel- Fuel surcharge waiver at any fuel pump across India for transactions between Rs. 400 & Rs. 4,000 with the maximum amount capped at Rs. 250 per calendar month.

HSBC VISA Platinum credit card is best suited for shopping, dining and fuel purchases. You should get this card if you:

• Are new to credit and want a basic credit card
• Are looking for a card with good welcome benefits
• Do not wish to pay the annual as well as joining fee
• Frequently visit restaurants and would prefer saving on it

However, if you are looking for a card with additional benefits and category specific discounts, you should look for other similar cards as mentioned below-

Welcome Benefits- The introductory benefits on this card are listed below:

• Amazon voucher worth Rs. 500 on a single transaction of greater than or equal to Rs. 500 (to be made within 30 days of the card being issued)
• 10% cashback on making 5 purchase transactions, made in the first 60 days of card issuance, where the total amount must be Rs. 5,000 or more, (Maximum cashback is Rs. 1,000)
• EMI interest rate at 10.99% p.a. for products booked within the first 90 days of card issuance

*The introductory offers are valid from 01 July 2020 to 31 December 2020.

Milestone Benefits- BookMyShow voucher worth Rs. 200 on spending over Rs. 15,000 in a month. 

Rewards- 1 reward point for every Rs. 100 spent across all categories and 3X reward points on online shopping, dining and telecom spend.

Annual Fee Waiver- Annual fee of Rs.499 waived off on spending Rs. 50,000 or more in a year. 

Other Benefits- Amazon Voucher worth Rs. 500 on payment of annual fee.

HSBC Smart Value Credit Card is suitable for users who want to save money and earn rewards at the same time. You should get this card if you-

• Can spend a nominal annual fee on your credit card
• Are not looking for benefits across any other category

However, if you are looking for a card with additional discounts and category specific discounts, you can look for similar cards from other banks-

Welcome Benefits- Avail the below listed introductory offers:

• 20% discount on Swiggy orders above Rs. 400, Max. discount Rs. 100, once per month per user
• 5% discount on Amazon on orders above Rs. 1,000. Max. discount is Rs. 250 per card per month

*The introductory offers are valid from 01 July 2020 to 30 September 2020.

Cashback- 1.5% cashback on all online purchases (excluding transfer of funds to online wallet) and 1% cashback on other spends. 

Annual Fee Waiver- Annual fee of Rs. 750 waived off on spending Rs. 1 Lakh in the preceding year.

Dining Discount- Up to 15% off when dining at partner restaurants in major cities

Entertainment Offer- Buy 1 get 1 free movie tickets on Saturdays from BookMyShow (up to Rs.250).

HSBC Cashback Credit Card offers unlimited cashback on all your purchases. You should opt for this card if you-

• Put most of your expenses on credit cards

• Like to shop online often (the bigger spending you make, the more cashback you will get)
• Are ready to pay an annual fee of Rs. 750

However, if you feel that the annual fee does not justify the benefits that the card provides, you can look for other similar credit cards as mentioned below-

Welcome Benefits- Amazon Voucher worth Rs. 500 on a single transaction of greater than or equal to Rs.500 (to be done within 30 days of the card being issued).

*The introductory offer is valid from 01 July 2020 to 31 December 2020.

Reward Points-  2 Reward Points for every Rs. 150 spent.

Accelerated Rewards-  5X Reward Points on subsequent purchases made after spending Rs. 4 lakh in an anniversary year (up to a maximum 15,000 accelerated reward points).

Milestone Benefits- Entertainment ticket voucher worth Rs. 500 on spending Rs. 50,000 in a calendar month.

Dining Discount- Up to 15% discount across 1,000 restaurants in major cities of India.

Fuel Surcharge Waiver- Fuel surcharge waiver at any fuel pump across India for transactions between Rs. 400 & Rs. 4,000 with the maximum amount capped at Rs. 250 per calendar month.

HSBC Advance Platinum Credit Card offers a host of services ranging from travel privileges to dining, shopping and more. You should get this card if you-

• Wish to avail discounts on Movies, Flights, Restaurants

• More inclined towards earning rewards than cashback

• Not looking for any exclusive category-specific discount

However, if not satisfied, you can look for other similar options from different banks as mentioned below-

Lifetime Free Credit Card- This card is completely free; there is no joining fee or annual fee

Reward Points- 2 reward points for every Rs.100 spent

Travel Benefits- Enhanced travel benefits through air miles conversion on InterMiles, British Airways and Singapore Airlines.

Lounge Access-  2 complimentary lounge access in a year. Click here for more details.

Cashback on Movies- 50% cashback on PVR cinemas on purchase of movie tickets with the maximum benefit capped at Rs. 500 per month and BookMyShow vouchers worth Rs. 1,000 per month on total monthly spends of Rs. 75,000 or more

Golf Privileges- Complimentary one-year membership to Golf Pass. Also avail 2 complimentary games per month, up to a maximum of 5 games per year. 

Fuel Savings- 1% Fuel Surcharge waiver at any fuel pump.

Additional offer- Unlimited bookings at 40% off at eligible spas and medical centers.

International Travel Insurance- Cover for up to Rs. 1 crore in case of air accident death.

HSBC Premier Mastercard Credit is a premium credit card. You should opt for this card if you-

• Already maintain a quarterly Total Relationship Balance (TRB) of Rs. 4 lakh with the bank

• Do not wish to pay annual and joining fee on your card

• Looking for discount across categories

• Would like to get benefits on travel, golf
• A frequent traveller and want to avail complimentary lounge access

However, if you wish to get additional benefits and are ready to pay a nominal annual fee, you should look for similar credit cards from other banks-