HSBC Smart Value Credit Card
Apply for the best credit card of Hsbc Bank
Welcome Benefits
- 10% cashback up to INR1000 on all transactions made within first 30 days of card issuance
HSBC Smart Value Credit Card: Fees & Charges
| Type of fee or charge | Amount (Rs.) |
|---|---|
| Joining Fee: | ₹ Lifetime Free |
| Annual/Renewal Fee: | ₹ Lifetime Free |
| Finance Charges: | can vary between 1.99% to 3.49% per month |
| Spend Based Waiver: | Lifetime Free |
| Over Limit Penalty: | 500 per instance |
| Rent Payment charges | 1% Processing fee transaction amount |
| Forex Charges: | 3.49% of the transaction value |
| Minimum Repayment Amount: | 5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI |
| Cheque Return Fees: | 2% of Total Amount Due or Minimum of 500 whichever is higher |
Eligibility criteria
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net annual income of 4,00,000/- or more and Self-employed individuals may need to show higher income proof
Credit Score: A good CIBIL score, ideally between 750 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof
Document Requirements
1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof
Other Information
Frequently Asked Questions
What is the annual fee of HSBC Smart Value Credit Card?
The HSBC Smart Value Credit Card offers lifetime-free annual fees. The joining fee is also free for life!
What is the interest rate on the HSBC Smart Value Credit Card?
The HSBC Smart Value Credit Card has an interest rate of can vary between 1.99% to 3.49% per month
Are there foreign transaction fees on the HSBC Smart Value Credit Card?
Yes, The HSBC Smart Value Credit Card charges a 3.49% fee for all transactions in foreign currency .
What is the credit limit of HSBC Smart Value Credit Card?
The credit limit for the HSBC Smart Value Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Hsbc Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Hsbc Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.
Card other Details
HSBC Smart Value Credit Card Credit Limit: Up to ₹10 Lakh