Apply now for HSBC Smart Value Credit Card
Best Suited For – Fuel, Rewards and Movies
*Offers are from Paisabazaar's partner Banks & NBFCs.
HSBC Smart Value Credit Card is suitable for users who want to save money and earn rewards at the same time. The cardholders can also earn reward points, cashback, gift vouchers and so on. Additional details of the card are mentioned below.
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The features associated with this credit card are:
Reward Points – Users can earn 1 reward point for every Rs. 100 spent and 3X accelerated reward points on online, dining, and telecom categories
Finance Charges – Dynamic finance charges are applied on this card that is dependent on credit history and repayment behavior. The charge can range between 1.99% and 2.99% p.m
Fee Waiver – Annual fee waiver on spends exceeding Rs. 50,000
EMI Facility – The customers can enjoy installment plans at 10.99% p.a. for EMI products booked within first 90 days of card issuance. It is applicable for loan on phone, balance transfer on EMI and cash on EMI
Also Read- HSBC Visa Platinum Credit Credit
Welcome Benefits
The introductory offers and welcome benefits associated with HSBC Smart Value Credit Card are given below. These are valid from 1st Jan 2020 to 31st March 2020.
Swiggy Vouchers – The customers can avail Swiggy voucher worth Rs. 250 on first transaction made within 60 days of card issuance.
Cashback – The customers can avail 10% cashback for making a minimum of 5 purchase transactions, totalling to Rs. 5,000 or above during the first 60 days of issuance subject to a maximum cashback of Rs. 1,000.
Lounge Access – Users will be eligible for upto 6 complimentary* airport lounge visits or meals at airport restaurants on the first transaction.
EMI at Low Interest Rates – Users can avail attractive interest rate of 10.99% p.a. for EMIs booked within the first 90 days of card activation. This offer is applicable to cash on EMI, balance transfer on EMI and loan on phone.
Other Benefits
*Get 2 airport lounge access to Domestic and International lounges or 2 meal vouchers of INR 400 each for use at airport restaurants on first transaction on the HSBC Credit Card. The first transaction should be executed by 5 May 2020. The above calculation is based on 1 Primary and 2 Supplementary cards.
The fees and charges associated with this credit card are:
| Category | Amount |
| Joining Fees | Nil |
| Annual Fees | Rs. 499 (reversed on spending Rs. 50,000 in previous year) |
| Cash Advance Fee | 2.5% of transaction amount/Min. Rs. 300 |
| Finance Charges | Monthly Range 1.99% – 2.99% p.m. Annual Range 23.88% – 35.88% p.a. |
| Finance Charges on Cash Advance | 3.3% p.m./39.6% p.a. |
| Minimum Payment Due on Extended Credit | 5% of Outstanding Amount/Min. Rs. 100 |
| Cheque Bounce/Failed NACH Payment | Rs. 350 |
| International ATM Transactional Fee | Rs. 100 |
| Over Limit Fee | Rs. 500 p.m. |
| Credit Card Replacement Fee | Rs. 100 |
| Foreign Currency Mark-up Fee | 3.5% |
| Rewards Redemption Fee | Rs. 50 |
| Copy of Credit Information Report | Rs. 50 |
| Cash Payment Charge | Rs. 100 |
| Cash Withdrawal Limit | 40% of the credit limit |
| Late Payment Charges | Rs. 400 on Amount up to Rs. 500 Rs. 500 on amount between Rs. 501 and Rs. 1000 Rs. 750 on amount greater than Rs. 1,500 |
Customers who want to enjoy all the benefits and features of HSBC Smart Value Credit Card can apply for it through our site. The steps are:
Post form submission an agent from Paisabazaar will call the customer to fix a date and time for document collection. The bank will then verify the documents. Post verification the bank will dispatch the credit card. The entire process takes about 15 to 20 days.
The eligibility criteria for the HSBC Smart Value Credit Card are:
Also, Customers have to submit key documents like income proof, identity proof and residence proof for verification to HSBC bank to complete the application process.
Is there any joining fee for HSBC Smart Value credit card?
No, there is no joining fee for HSBC Smart Value credit card.
When can I avail my cashback benefits?
The cashback benefits can be availed during the 60 days of issuance of the credit card.
What are the identity proofs required to apply for HSBC Smart Value credit card?
The identity proofs required to apply for HSBC Smart Value credit card are :
What is the foreign currency mark-up fee for HSBC Smart value credit card?
The foreign currency mark-up fee for HSBC Smart Value credit card is 3.5%
| Credit Card | Annual Fee | Reward Points | Net Savings |
| HSBC Smart Value Credit Card | NIL | Earn 1 reward point for every Rs. 100 spent | Rs. 7,174* Rs. 10,662** |
| HDFC Moneyback | Rs.500 | Earn 2X Rewards on online spends | Rs.484* Rs.1,480** |
| Standard Chartered Platinum Rewards | Rs.250 | Earn 5 Reward Points for every Rs.150 spent at partner dining restaurants | Rs.8,510* Rs.9,782** |
| ICICI Bank Coral Contactless | Rs.500 | Earn 2 Payback Points on every Rs.100 spent | Rs.10,636* Rs.15,771** |
*On lakh annually
**On spending Rs.4 lakh annually
People also looked for the following reward credit cards:
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
Rs. 1,000 | Earn 1 reward point for every Rs. 125 spent Earn 10X reward points on apparel and departmental store spends | 4.2/5 | |
Rs. 250 | Earn 5X reward points on dining and fuel spends Earn 1 reward point on every spending of Rs. 150 on all the other categories | 3.5/5 | |
Rs. 350 | Earn 3 reward points on every Rs. 100 spent on Grocery and Supermarket spends Earn 2 reward points are earned per Rs. 100 spent on other categories | N/A | |
Rs.1,000 | Earn 1000 Reward Points on successful sign-up Earn 3 Reward Point per Rs. 150 spent on retail | N/A |
Thank you to the staff of Paisabazaar for such a wise suggestion.
Absolutely brilliant credit card with a great scheme. Love it
Thank you Paisabazaar. I love the benefits this card has added to my life.
Loved the welcome gifts and coupons Paisabazaar send me with this credit card.
It is a great card, the benefits are amazing. You can try too.
This is such a highly rewarding credit card that did not add me any expense burden.
