HSBC Smart Value Credit Card

Apply for the best credit card of Hsbc Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
HSBC Smart Value Credit Card
  • Best suitable for: Cashback
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: 10% cashback up to INR1000 on all transactions made within first 30 days of card issuance
Hsbc Smart Value Credit Card

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 charges1% Processing fee transaction amount
Forex Charges:3.49% of the transaction value
Minimum Repayment Amount:1% of Total outstanding (Min. Rs. 200) + All charges/fees/taxes + EMI
Cheque Return Fees:500/- per returned cheque
Late Payment Charges:Subject to a minimum of 250 and a maximum of 1,200 per month

HSBC Smart Value Credit Card: Eligibility & Documentation

Eligibility:-
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

Documentation:- 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

HSBC Smart Value Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2.5% (Min. INR 500) of the cash amount
Cash Advance Withdrwan Limit: As communicated in your credit monthly card statement
Cash Payment at Bank Branch: Rs. 100/- for every Cash payment

HSBC Smart Value Credit Card: Customer care and helpline

Customer care : 18002673456 and 18001212208
Email Address : [email protected]
Mailing Address: Plot No 52/60, Mahatma Gandhi Road, Fort, Mumbai - 400001

Add-on Card facility: NIL

Card replacement fee: Rs 100 + GST

Rewards Redemption Fee: Free

Domestic lounge:

International Lounge:

Fuel Surcharge:The 1% fuel surcharge waiver is restricted to INR250 each month

FAQ of HSBC Smart Value Credit Card

Q1. 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!

Q2. 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

Q3. 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 .

Q4. 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.

Credit Cards by Bank
Credit Cards by Category