HSBC offers a range of HSBC Rewards Credit Cards tailored to diverse spending habits, providing cardholders with the opportunity to earn reward points on their purchases. These points can be redeemed for various options, including air miles, hotel stays, shopping vouchers, and more. The rewards program is designed to enhance the value of everyday spending, offering both flexibility and exclusivity to users.
Reward Programs: Earn reward points on every spend, with accelerated points on specific categories.
Travel Benefits: Complimentary lounge access, hotel discounts, and air mile conversions.
Dining Offers: Discounts at partner restaurants and memberships like EazyDiner Prime.
Cashback Offers: Cashback on foreign currency transactions and specific spend categories.
Earning:
HSBC Visa Platinum Credit Card: 2 reward points per ₹150 spent; 5X points after ₹4,00,000 annual spend.
HSBC Premier Credit Card: 3% rewards on all purchases.
HSBC TravelOne Credit Card: Reward points on all spends with instant conversion options.
HSBC Taj Credit Card: 1% value back on general spends; 3.33% on Taj hotel bookings
Redemption Options:
Air miles with partner airlines.
Hotel loyalty points.
Shopping and dining vouchers.
Charity donations.
Redemption Fee: A nominal fee may be applicable on each successful redemption.
Identity Proof: PAN Card.
Address Proof: Aadhaar Card, Passport, Voter ID, Driving License, or Utility Bills.
Income Proof: Latest salary slips, Form 16, or IT returns.
Photograph: Recent passport-sized color photograph.
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Joining Fee:
HSBC Visa Platinum Credit Card: ₹0
HSBC Premier Credit Card: ₹12,000
HSBC TravelOne Credit Card: ₹1,000
HSBC Taj Credit Card: ₹0
Annual Fee:
HSBC Visa Platinum Credit Card: ₹0
HSBC Premier Credit Card: ₹20,000 (waived for Premier customers)
HSBC TravelOne Credit Card: ₹1,000
HSBC Taj Credit Card: ₹0
Finance Charges: Up to 3.6% per month (43.2% per annum)
Late Payment Fee: Varies based on the outstanding amount.
Overlimit Fee: 2.5% of the overlimit amount, subject to a minimum of ₹500.
Approval chances shown on LoanSafar.com are not guaranteed approvals. These estimates are calculated by comparing your credit profile (based on information you provide) to data from other users who were approved by the same lender, or by checking if you meet certain criteria set by the lender.
While these insights may help you make smarter choices, final approval always depends on the lender’s internal policies. You may still be denied a loan or credit card if You don’t meet their income or employment verification standards or You already have the maximum number of accounts with that lender Or you don’t pass their “ability to pay” assessment
We’re here to help you compare offers more confidently — but remember, the final decision always rests with the lender.