Credit Card Rating
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Rate HSBC Smart Value Credit Card
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.
Best suited for
- Welcome Offer
- REWARDS
- CASHBACK
Fee
Annual Fee: ₹ 499
(Waived off for annual spends of ₹50,000 or more). Amazon Vouchers worth ₹500 on payment of annual fee
Joining Fee: ₹ Nil
Highlights & Rewards 
Highlights
Rewards Value
Highlights- Avail Book My Show voucher worth ₹200 on spending over ₹15000 in calendar month*
- Attractive instalment plans@10.99% for EMI products booked within 90 days of card issuance*
- Get 10% cashback for making a minimum of 5 purchase transactions, totalling to ₹5,000 or more during the first 60 days of issuance subject to a maximum cashback of ₹1000*
Rewards Value- ₹100 = 1 Reward Points
- Save upto ₹16434 on Annual Spend of ₹4 Lakh
Apply now for HSBC Smart Value Credit Card
Find your perfect Credit Card
Best Suited For – Fuel, Rewards and Movies
- Welcome Benefits and Cashback
- Free Movie Tickets
- 3X Rewards on Online, Dining & Telecom spends
Get HSBC Smart Value Credit Card Now
*Offers are from Paisabazaar's partner Banks & NBFCs.
OTP Verification
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Standard Chartered Emirates World Credit Card
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HSBC Visa Platinum Credit Card
- Get 10% cashback (up to ₹2,000) for making a minimum of 9 transactions totaling ₹10,000 or more in the first 90 days of card issuance till 30th June 2020*
- BookMyShow voucher worth ₹500 on spending over ₹50,000 in a calendar month till 30th June 2020 (maximum ₹3,000 per cardholder per year)*
- Up to 15% off dining at over 1,000 restaurants across major cities*
Eligibility and Documentation
| Criteria | Details |
|---|---|
| Occupation | Salaried |
| Minimum Income | Rs. 40,000 per month |
| Serviceable Cities | Click here for the list of eligible cities |
Along with your application form, you should also submit valid proof of identity, address and income. Given below is the list of documents that can be accepted.
Features
- Introductory Offers
- Amazon Offer - Get voucher worth Rs. 500 on making a single transaction worth Rs. 500 or more. The transaction must be done within 30 days of the 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.
- 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.
- The introductory offers and welcome benefits associated with HSBC Smart Value Credit Card are valid from 1st July 2020 to 31st December 2020.
- Other Benefits
- Get Amazon Voucher worth Rs. 500 on payment of annual fee
- Spend Rs. 15,000 in a month and get BookMyShow voucher worth Rs. 200 up to a maximum of Rs. 1,200 in a calendar year
Benefits
Fee and Charges
| Title | Details |
|---|---|
| Annual Fee | Rs. 499 (reversed on spending Rs. 50,000 in previous year) |
| Finance Charges | Can vary between 1.99% per month (23.88% per annum) to 2.99% per month (35.88% per annum) |
| Add-on Fee (per annum) | Nil |
| Interest-Free Credit Period | Up to 52 days |
| Minimum Payment Due (MPD) on extended credit usage | 5% of the total payment due to the statement plus greater of past due or over limit due (if any), subject to a minimum of Rs. 100. Interest will be charged on the extended credit as per terms and conditions |
| Duplicate Statement Request | Rs. 100 per statement (beyond last 3 months) |
| Transaction fee for cash advances | 2.5% of transaction amount (subject to a minimum of Rs. 300) |
| Late Payment Charges | Minimum Payment Due AmountUp to Rs. 500 – Fine of Rs. 400 Between Rs. 500 & Rs. 1,000 – Fine of Rs. 500 Above Rs. 1,000 – Fine of Rs. 750 |
| Over Limit Fee | Rs. 500 per month |
| Foreign Currency Transaction Fee | 3.50% of the amount |
HSBC Credit Card Customer Care Details
| HSBC Credit Card Customer Care | Details |
|---|---|
| For Calling from Within India |
|
| For Calling from Overseas |
|
How to Apply for HSBC Smart Value Credit Card
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:
- Click here to start your application process
- Provide the details asked for
- Post submission the user will be able to see all the eligible cards. Filter out the HSBC Bank Credit Cards
- Click on ‘Check Eligibility’ against HSBC Smart Value Credit Card
- Continue to provide all the required information
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.
FAQs
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 :
- Aadhaar Card
- Any one of the following photo cards:
- Passport
- PAN Card
- Voter ID Card
- Government ID
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%
Compare Similar Credit Cards by Other Banks
| 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
Other Rewards 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. 499 | 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 |