The Hong Kong and Shanghai Corporation (HSBC) Bank offers different range of HSBC credit cards to invite customers to enjoy spending money on things they love. Each and every HSBC bank credit card has its own style of satisfying its customers. Check out this article to know more about the types, key features, application process, netbanking and the special reward programme of HSBC credit cards.
Best credit cards in India
What are the Types of HSBC Credit Cards?
HSBC Bank offers a host of credit cards tailor made for different types of customers. Cardholders can get exciting gift vouchers or statement credit by redeeming the earned reward points. Users have given a positive feedback about the credit card. Let us have a look at the different types of credit cards offered by HSBC Bank.
HSBC Visa Platinum Credit Card: This credit card by HSBC comes with zero annual fee and zero joining fee and offers a host of benefits and privileges for its users.This card can be used for shopping, dining and fuel.
HSBC Premier Mastercard Credit Card: HSBC offers this credit card that promises a privileged lifestyle to its users. This card is enriched with an exceptional rewards programme tailor-made to suit the needs of a shopaholic, traveller or a fine-diner.
HSBC Advance Visa Credit Card: HSBC has especially designed this card for everyday use along with excellent rewards and cashback benefits. This card can be availed free of cost which entails no joining fee or annual fee.
What are the Features and Benefits of HSBC Credit Cards?
HSBC Bank credit cards are very much in need for many individuals since it offers a number of benefits to its users. Many individuals prefer HSBC Bank credit cards for its unique features and wide range. HSBC Bank credit card offers many rewards and discounts on almost all of the transactions. Check out the key features and benefits of using HSBC Bank credit card.
Sign on bonuses: As a thank you for signing with the bank, some of the HSBC Bank credit cards provide sign on bonus or gifts. This great reward will offset any joining fees paid already.
Rewards: For any transactions made using your HSBC Bank credit card, reward points are offered. You can accumulate to obtain a great gift or the points can be redeemed for cashback. The customer is the winner in either ways.
Frequent flyer miles: This is for customers who travel by plan frequently. They will get rewards in the form of “miles” when they use their card to pay for their air tickets. When you earn enough points, you will be able to get discount on tickets in future or even get free air tickets. With some credit cards you might get access to airport lounges which could be of great use during flight delays.
Cashback: You might get cashback on certain spends like 5% cashback for online shopping, 10% for using your credit cards to pay utility bills. This could be a great way to save money on small expenditure.
Keeping vendors in check: You can keep vendors in check with the help of credit cards. You have the option to cancel payment or even if already paid. You have the ability to revert the payment if you feel the product you bought is below par. This will make sure that the vendors who provide the products will stay honest and provide better quality goods.
Insurance: Insurances like travel insurance can be availed in many credit cards. Due to ignorance, many credit cardholders don’t realise they are protected and don’t use these facilities. It is wise to know about the features and benefits before availing the credit card and also read the terms and conditions.
Universal acceptance: Credit cards are universally accepted unlike debit cards. You can use your credit card in any foreign country instead of searching for a currency exchange centre or ATM.
Instant Loan: A source of loan is your credit limit which can be accessed immediately without any approvals. This will be very useful in case of emergencies. You also have the option of converting your credit card bill into EMI if you are unable to pay back immediately.
Credit score improvement: Your credit score will get improved when you pay your credit card bill on a regular basis. As different credit or credit mix is a part of credit score, a credit card will help you improve your score from that aspect also.
How to Apply for a HSBC Credit Card?
HSBC Credit card can be applied easily through online. But for those who don’t prefer online banking, the bank has other options too. Keep reading to know more about the application process and other methods to apply for HSBC credit card. HSBC bank has made the process of application, effortless for the customers.
Online: One can apply for a HSBC credit card directly by visiting the official website or through 24x7 phone service.
- Step 1: Go to the official website of HSBC Bank
- Step 2: From the top bar, choose “Personal Banking” and then select “Credit Cards”
- Step 3: There you will find all types of credit cards HSBC offers along with its key features. You can choose the one which you think would be suitable for your lifestyle and click “Apply Now”
- Step 4: You will be redirected to a webpage where you will be required to fill a form. After completing it, click “Submit”
Once submitted you will receive a call from HSBC bank credit card representative to guide you through the remaining process. One of the representatives will collect the documents at your doorstep.
Offline:For those who do not prefer online mode of application, you can download the HSBC Credit Card Application form, fill it and submit at the nearest HSBC branch along with the required documents. Remember that there are different forms available for different HSBC cards, so read about the cards and choose the right form to fill. Alternatively, you can also visit the branch directly and speak to a credit card representative who will guide you through the entire process of application. You just need to have all documents handy for instant application.
What is the Eligibility and Documents Required to Avail a HSBC Credit Card?
The applicants are required to submit related documents on the basis of which HSBC will decide their eligibility and credit limit. Proof of Identity, Proof of Address and Income Proof has to be submitted. Here’s a list of the documents that the applicants need to submit -
Duly filled application form for HSBC credit cards.
Identity proof - PAN, Aadhaar, Voter’s ID, etc.
Address proof - Aadhaar Card, electricity bill, credit card statement, etc.
Salary slip / certificate for employee of MNC corporates as income proof
Photocopy of front and back of credit card and latest credit card statement for employee of other credit cardholders
Photocopy of last 3 months’ salary slips for employees of Private Limited Companies.
Latest personal income tax returns and business card for self-employed applicants.
The eligibility criteria differs for each credit card offered by HSBC bank. In order to avail the credit card of your choice, you must be able to fulfill the conditions of the bank. HSBC Bank has certain rules to be followed before providing the credit card to its customers. The following eligibility criteria must be met by the applicant to own the respective credit card -
HSBC Visa Platinum Credit Card:
The applicant should be at least 21 years of age.
The applicant must have an annual income of 4,00,000 (Salaried/Self employed)
HSBC Premier Master Credit Card:
The applicants must be at least 21 years of age.
Applicants should have a minimum annual revenue of INR 4,00,000.
- This card is provided only to HSBC Premier Customers. Only those who are already a part of HSBC Premier Relationship can be Premier Customers. For this, the individual needs to maintain a Total Relationship Balance (TRB) of Rs. 40,00,000 quarterly
HSBC Advance Visa Credit Card:
HSBC Visa Credit Card applicants must be minimum 21 years of age.
Minimum annual income should be INR 4,00,000 for both self-employed as well as salaried applicants.
- This card is provided only to HSBC Premier Customers. HSBC Premier Relationship in India can be availed by you by maintaining a Total Relationship Balance (TRB) of Rs. 4,000,000 quarterly.
#1.HSBC Credit Card Payment
The monthly credit card statement will be sent to your registered email ID at the end of the billing cycle. You can also view the same using HSBC “Cards Online” portal. The credit card statement will show you the payments and purchases since the date of last statement. HSBC bank credit card customers can make use of the online credit card bill payment options to pay the credit card dues from the comfort of their home. The user-friendly interface of HSBC Bank’s net payment gateway will enable you to make credit card payments without any hassles.
Internet Banking: By logging onto HSBC Internet Banking platform, you can directly make payment of your HSBC credit card bill. Enter your credentials, log in and make the payment. Mobile banking can also be used to make direct payment.
Bill Desk: You can pay your HSBC credit card bill through any of your bank accounts by paying through billdesk. Enter your credit card number, amount payable and select the bank through which you want to make the payment. You will then be redirected to the payment interface of the bank of your choice. Enter the authentication details before you confirm your payment. Once the payment is successful, you will get confirmation mail on your registered email address.
Standing Instruction: You can also set standing instructions to debit your HSBC savings account or current account to make payment towards your HSBC Credit Card.
NEFT: You can use the NEFT facility to make HSBC credit card bill payment. Go to the ‘Add Beneficiary’ section of your bank, enter your 16-digit card number in place of account number. Enter the name on card and the IFSC Code. The IFSC for HSBC is HSBC0400002. Once added, you can make payment through NEFT.
VISA Money Transfer: The money can also be transferred from your bank account to HSBC Visa credit card online by using Visa Money Transfer option.
ECS: The Electronic Clearance System allows you to auto debit amount from other bank account to make payment towards your HSBC credit card.
Other (offline) ways to make payment include-
Over the counter cash payment
HSBC Bank Credit Card Reward Programme
HSBC Bank helps you earn while you spend through its credit card rewards program. When you use your HSBC Bank credit cards to make purchases, you will earn reward points which can be redeemed against a wide range of gift vouchers and merchandise. The number of reward points earned differs from card to card and as well as on the basis of type of transactions made.
Earn 1 Reward point for every purchase of Rs 250 on HSBC Classic Credit Cards
Earn 1 Reward point for every purchase of Rs 100 on HSBC Gold Credit Cards
Earn 2 Reward points for every purchase of Rs 150 on HSBC Platinum Credit Cards
Earn 2 Reward points for every purchase of Rs 100 on HSBC Premier Credit Cards
The customers can redeem their reward points against the exciting redemption options available to them which includes garments, jewellery, cosmetics, gift vouchers, or vouchers for any retail outlets, airline miles or as donation to any charity fund.
You can also convert the rewards earned on your HSBC credit card into air miles when booking flight ticket on certain airways.
HSBC Bank Credit Card Net Banking
Internet or online banking has made everything convenient and easy for customers. Gone are those days when people had to run to the bank for every simple banking need, from depositing cash to withdrawing it. With net banking, life has become easier for customers as well as banks. With the help of net banking, customers can avail credit cards according to their needs.
Benefits of HSBC Bank Credit Card NetBanking Service:
Keeping a track of the various financial products and services that one uses has become easier after the introduction of netbanking. Some of the benefits that cardholders can get on registering their HSBC credit cards for netbanking are listed below:
- Different kinds of services: Once the cardholder registers his card for netbanking, he can access important information and service related to their card through the portal. Services like reporting a stolen or damaged card and blocking it, from generating PIN to linking it to easy bill payment can be availed using net banking. Through HSBC bank credit card login account, you can also check and redeem their rewards points.
- No compromise on the safety and security of card: High quality safety and security measures are provided by HSBC Bank to keep customers’ information safe. By registering the credit card for netbanking, they can use the secure methods of banking to make payments towards the credit card.
- Availability of service 24x7: Cardholders can use the 24x7 service to fulfil all such requests at anytime of the day. They can access credit card statement of the past 3 months and convert the outstanding balance on the card into EMIs.
Registering for HSBC netbanking services:
Using this facility, they can also pay their credit card bills. So, registering one's HSBC credit card is an important as well as useful step that every cardholder must fulfil. Net banking is one of the free of cost services provided by the bank.
Follow the steps given below to register for HSBC net banking facility
Customers need to visit HSBC Bank's net banking page by logging on to www.hsbc.co.in.
Next, click on the tab named "Register for Personal Internet Banking"To register, you will need to have either one of the following:
Their 10 digit Personal Banking Number (PNB) and 6 digit phone banking login PIN
Their 16 digit credit card number and 4 digit credit card PIN
Their 16 digit debit/ATM card number and 4 digit ATM PIN
Next click on the tab that says “Credit Cards”
Once you select your choice, you will need to register with your PIN number and click on "Continue"
Alternatively, you can also register with your mobile number and click on "Continue".
You will receive an authentication code on your phone which you will need to type in a space provided on the next page and click on "Continue"
On the following page, you will need to type your username which must contain 6-20 alphanumeric characters.
Next, you will need to create a new password and confirm it twice.
Next, you will need to select two security questions and type in your answers.
You will be directed to a new page containing the terms and conditions. Once you click on "Accept" you will be led to a new page on which you will need to select your account preferences.
Once you finish this step, your HSBC credit card will be registered for net banking.
You can register your HSBC credit card offline for net banking by following the steps listed below:
You can dial these toll free numbers to talk to a bank representative and register your credit card for net banking: 1800-103-4722, 1800-266-3455, 1800-102-2208, 1800-267-3456, 1860-500-2255, 1860-108-7788, and 1860-500-2277.
Alternatively, you can visit the nearest HSBC Bank branch and fill a form to include net banking on your credit card.
Requests which can be raised using HSBC netbanking:
Once you have registered your HSBC credit card for netbanking, you can enjoy a lot of benefits and raise requests through the online portal. Some of them are listed below:
You can check the amount of credit available on the card
You will be able to know the total outstanding balance on the card
The total outstanding balance on the date can be viewed
Due date of the payment will be mentioned
Transaction details of the card can be viewed
Your credit card bill payment
Balance conversion of credit card
You can transfer balance through net banking
You can request for e-statement of credit card
You can apply for add-on or supplementary credit cards using netbanking services
#3. HSBC Bank Credit Card Status
To know the status of your credit card application, you will have to call the HSBC Bank customer care team since there is no online mechanism provided by HSBC to check the application status. You can contact the customer care team with the help of the given details
HSBC Bank Credit Card Status Helpline:
From India: 1860 108 7788 / 1860 500 2277
From Abroad: 040 67173402 / 080 49089632
The phone lines will be be available from 6:30am to 8:30pm.
Mostly, your application status will be stated as in-progress, on-hold, approved, rejected or dispatched.
When the representative conveys ‘In progress’ status, it means that your application is still under process and it will take some more time to approve the application and dispatch your card.
An ‘Approved’ status denotes that your application has been approved and your card will be dispatched soon.
A ‘Dispatched’ status means your credit card is dispatched to your address. Once the card is dispatched, you will receive an SMS with the shipment details and the expected date of delivery. Make sure you are available at the delivery address at the time of delivery as the credit card will be handed over only to the applicant in most of the cases.
The application status ‘On Hold’ indicates rejected or any other negative status results need further follow up with the bank. Yo application might be kept on hold since the bank may need some other documents or need to clarify other things from you. You will receive a call or message about the same.
When you receive a ‘Rejected’ status, it denotes that your application has been disapproved as it fails to meet the set criteria. You may receive a message from the bank with or without specifying the reason. If you want to know the reason, you can call the customer care.
Why Choose HSBC Credit Cards?
Credit cards provided by HSBC Bank cater to various customer needs. The requirements of the customer are understood and that knowledge is transferred in the credit cards they offer. With great rewards, cash back, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.The following reasons summarize the advantages of subscribing to credit cards from HSBC Bank-
Variety - There are a variety of 5 fully loaded credit cards, targeting different demographics and requirements. HSBC Visa Platinum Card, Premier MasterCard, Advance Visa Platinum Card, MMT Signature Card and MMT Platinum Card are some of the credit cards offered by HSBC.
Fully Loaded Benefits - From reward points to air miles, from cashback to exclusive offers on fine dining and purchases, your HSBC Credit Card is tuned to do what it does, brilliantly!!
Easy & Quick Application Process - You can walk into your nearest HSBC branch or jump on the online trail and signup on the HSBC India website. The procedure is simple, fast, and highly responsive.
Robust Customer Support - SBC offers a highly trained customer support initiative, backing this line of attractive products in its portfolio. In case of any queries/issues you can contact the customer care team via phone call, mail or chat box. The HSBC Bank customer care team is always ready to help you resolve your issues quickly.
#4. HSBC Bank Customer Care Number
HSBC credit card customer care: 1860 108 7788 or 1860 500 2277
HSBC corporate credit card customer care: 1800 419 2266 or 1800 102 6922
HSBC premier credit card customer care: 1800 266 3456 or 1800 103 4722
HSBC Advance credit card customer care: 1800 267 3456 or 1800 102 2208
HSBC customer care Toll free number for business banking: 1800 103 2666 or 1800 419 2288 or 1800 103 2667
Customers who are not comfortable with calling can also resolve their queries by sending a mail. Customers will have to email their complaints, grievances, feedbacks to firstname.lastname@example.org. The bank recommends that you use your registered email ID and send emails through your online banking account.
If customers have any complaints or issues unresolved, then they can also contact the further authorities for getting a better solution. HSBC nodal officers can be reached by HSBC customers by sending mails to them or by calling them
About HSBC Bank and Credit Cards
HSBC has been ranked as the world’s third largest bank in terms of assets. HSBC can be expanded as Hongkong and Shanghai Banking Corporation which has always been playing a major role in the Indian banking scene. In 1853, when the former Mercantile Bank of India threw open its doors for business in Mumbai, HSBC’s association with India began. Since then, HSBC has seen a massive growth in the Indian context. It is considered a universal favourite when it comes to personal, commercial or corporate banking. HSBC bank is a multinational banking and financial services company which comprises of 4000 offices in 70 countries.
HSBC bank offers a suite of exclusive products in India which includes a team of credit cards. These credit cards are versatile, feature rich, customised for Indian conditions and needs, loaded with perks and customer friendly. The cards come with great reward points, privileges and benefits which can be redeemed for attractive products and services.
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