Explore and compare credit cards to find the one that suits you best.

HSBC Credit Card Fees and Charges

Before you choose an HSBC Bank credit card, it helps to know the basic fees linked to everyday use. Here is a clear breakdown of the standard charges, based on the official HSBC India schedule of charges:

Key Benefits of HSBC Credit Cards

HSBC India positions its credit cards around rewards, cashback and lifestyle perks linked to real everyday spending. Here are some of the main benefits based on the official HSBC India website:

• Many cards, like the HSBC Visa Platinum Credit Card, come with no joining or annual fees, especially under current promotional plans
• You earn reward points on eligible spends and can redeem them for flights, hotel stays, shopping vouchers and more through the HSBC Credit Card Rewards Programme.
• With the HSBC Visa Cashback / Live+ style cards, you get flat cashback on spends, for example, 1.5% on most online transactions and 1% on many offline purchases, subject to card-specific terms.
• Selected cards offer a fuel surcharge waiver within defined transaction limits and monthly caps, helping you save on fuel expenses
• Ongoing HSBC Bank credit card offers cover dining, food delivery, travel, shopping, and e-vouchers with partners such as Swiggy, EazyDiner, and multiple retail brands.
• Premium cards such as the HSBC Premier Credit Card offer additional lifestyle benefits, including hotel privileges, travel rewards, and higher-end Mastercard features.
• All cards can be managed through HSBC’s online and mobile banking, where you can track spending, redeem rewards and manage EMIs.

HSBC Credit Card Eligibility Criteria

HSBC keeps its card eligibility straightforward, but there are a few basic checks you must meet before you apply. Here is a simple table showing the requirements:

Documents Required for HSBC Credit Card Application

When you start your HSBC Bank credit card application, the bank checks only a few basic documents. The process is kept relatively light so that salaried applicants can apply without too much paperwork. Here are the documents you usually need to provide:

• The latest salary slip, if you are a salaried employee
• Proof of identity such as Aadhaar card, passport, voter ID or driving licence
• Proof of residence, like a utility bill, a rental agreement, an Aadhaar or a passport
• PAN card for tax and credit reporting

How to Block/Unblock HSBC Credit Card

If your HSBC credit card is lost or stolen, or you suspect misuse, here are the supported methods to block it and how to request a replacement or unblock it if needed.

Block Your Credit Card

• Phone Banking: Call the HSBC Phone Banking helpline (1800 267 3456 / 1800 121 2208) to report a loss and request an immediate block.
• Internet Banking or Mobile Banking: Log in to your HSBC online banking or app, go to the “Manage Cards / Credit Card” section and choose “Report Lost/Stolen Card” or “Block Card”.
• Branch Visit: If required, you can visit the nearest HSBC branch and submit a written request for blocking and re-issuance.

Unblock Your Credit Card

• If you requested a block due to a loss and later recovered the card, you typically need to call customer care; unblock requests depend on the bank’s internal policy.
• If you prefer a new card to a reactivated one, you can request a replacement via net banking, phone banking, or at a branch. The bank will send a new card and permanently block the old one.

How to Choose the Right HSBC Credit Card?

HSBC offers a small but focused range of credit cards, so choosing the right one depends mainly on how you spend. Here are a few points that make the decision easier:

• Pick a lifetime-free card, like Visa Platinum, if you want basic rewards without an annual fee.
• Choose TravelOne if you spend more on flights, hotels or international purchases.
• Compare cashback to reward points to see which you prefer: instant savings or long-term benefits.
• Check if your yearly spending qualifies you for fee waivers on premium cards.
• Look at the foreign currency mark-up if you travel abroad or shop on international websites.
• Verify that your match card eligibility (income, city of residence) matches your profile before applying.
• Review ongoing HSBC Bank credit card offers to see which card gives better seasonal value.

Tips to Maximise HSBC Credit Card Rewards

A few small habits can help you get more value from your HSBC credit card. Here are some easy ways to make the most of your rewards:

• Use your card for categories that earn higher cashback or points, such as online spending or partner offers.
• Pay your bills on time so interest charges do not reduce the value of your rewards.
• Keep an eye on HSBC Bank credit card offers for limited-period bonuses, discounts and partner deals.
• Redeem points regularly to avoid missing expiry timelines.
• Use the HSBC mobile app to track spending, view reward balance, and see available redemption options.
• Avoid cash withdrawals, as fees and interest start immediately and offer no rewards.

Steps to Apply Online Through Urban Money

Urban Money lets you compare HSBC credit cards and start an application without visiting a branch. Here is the usual online process:

• Visit the Urban Money website and select the HSBC credit card you want.
• Enter your basic details, such as name, mobile number, email, and city.
• Provide your monthly income so the platform can check card eligibility.
• Upload the required documents, including identity proof, address proof, and your latest salary slip.
• Complete OTP verification on your registered mobile number.
• Submit the form to forward your HSBC Bank credit card application to the bank.
• Once approved, HSBC will share your card details and dispatch updates.