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
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
Best Suited For – Fuel, Rewards and Movies
*Offers are from Paisabazaar's partner Banks & NBFCs.
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
/ 5 ( Reviews)
Rate HSBC Smart Value Credit Card
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 |
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For Calling from Within India |
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For Calling from Overseas |
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How to Apply for HSBC Smart Value
HSBC Smart Value Credit Card is not available on Paisabazaar’s platform. For those who wish to apply can either go to the bank’s official website and fill out the online application form or visit the nearest HSBC Bank branch.
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 :
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
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 |