Use your credit card and earn reward points to redeem against products, flights and more.

Credit Card Rewards

Transfer your outstanding credit card balance to an HSBC credit card to enjoy easy repayments at a lower interest rate.

Balance Transfer

Repay your purchases with your HSBC credit card in equated monthly instalments so you can pay your bill at your convenience.

Instant EMI

Make annual savings of up to INR3,000 on fuel surcharges with our credit card waiver.

Fuel Surcharge Waiver

Convert the limit on your credit card into cash and repay in equated monthly instalments.

Cash On Equated Monthly Installments

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

Get extra rewards every time you use your card

<div><h3>Key Features:</h3><ul style="list-style-type: none;padding: 0;">
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Joining Fees: </b>No Joining Fees.</label>
    </li>
	<li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Annual Fees: </b>Life Time Free.</label>
    </li>
	<li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Welcome Benefits: </b>The card offers an Amazon voucher worth Rs. 250 on completing the online credit card application and Video KYC.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Zero-liability for Lost Cards: </b>In the case of lost/theft of your HSBC Visa Platinum Credit Card, you will have no liability for the transactions made once you report and register the loss of your card.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Emergency Card Replacement: </b>You can call Visa Global Assistance Services or HSBC Helpline numbers if you lose your credit card and request to cancel your card and replace it with an emergency card within the next 3 days.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Fuel Savings: </b>Avail annual savings of up to Rs. 3,000 via fuel surcharge waiver.</label>
    </li>
  </ul>
</div>

No joining/annual fee.

Up to 5x reward points.

Annual fee waived on spending above ₹8 lakh in a year.

Up to 4 free domestic airport lounge visits per year (1 visit per calendar quarter).

Complimentary Lounge Access

HSBC Credit Card

<div><h3>Key Features:</h3><ul style="list-style-type: none;padding: 0;">
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Joining Fees: </b>Unlock benefits at only ₹999 + taxes – Join now!</label>
    </li>
	<li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Annual Fees: </b>Enjoy a full year of benefits – Just ₹999 + taxes!</label>
    </li>
	<li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Introductory Offer 1: </b>Users get bonus cashback 2 worth Rs. 1,000 on card activation. Both primary as well as add-on users are individually eligible for this benefit on their respective card spends.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Dining Discount Offers: </b>Up to 15% off on dining bills at 200+ partner restaurants via Live+ Dining Programme.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Annual Fee Waiver: </b>HSBC offers annual fee waiver to Live+ credit card users if their credit card spends amount to more than Rs. 2 lakh in a year.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
      <label><b>Complimentary Lounge Benefits: </b>HSBC Live+ credit card users can avail up to 4 complimentary visits to domestic airport lounges in a year, maximum 1 visit per calendar quarter.</label>
    </li>
  </ul>
</div>

Upto 15% off on dining at partner restaurants.

Up to 10% Cashback on dining, grocery & more.

Complimentary domestic lounge visits every year.

Up to ₹3,000 annual savings on fuel.

Amazon voucher worth ₹250 on completing online application and Video KYC.

No liability on fraudulent transactions after reporting card loss/theft.

Replacement card issued within 3 days via Visa Global Assistance/HSBC helpline.

<div>
  <h3>Key Features:</h3>
  <ul style="list-style-type: none; padding: 0;">
    <li style="margin-bottom: 10px; padding: 16px; display: flex; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; margin-right: 10px;">&#x2713;</span>
      <label><b>Joining Fees: </b>Get started for just ₹4999 + taxes – Join once, unlock endless value.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; display: flex; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; margin-right: 10px;">&#x2713;</span>
      <label><b>Annual Fees: </b>Stay connected all year for only ₹499 + taxes – Annual benefits made affordable.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; display: flex; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; margin-right: 10px;">&#x2713;</span>
      <label><b>Airport Lounge Access: </b>6 complimentary visits to domestic and 4 to international lounges per year.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; display: flex; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; margin-right: 10px;">&#x2713;</span>
        <label><b>Golf Access To: </b></label>
        <ul style="list-style-type: disc; padding-left: 20px; margin-top: 8px;">
          <li>4 complimentary rounds</li>
          <li>12 complimentary golf lessons per year (capped at 1 per month)</li>
          <li>50% off on green fees for additional golf rounds</li>
        </ul>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; display: flex; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; margin-right: 10px;">&#x2713;</span>
      <label><b>Fee Waiver: </b>Annual card fee waived off on spending more than Rs. 8 lakh in a year.</label>
    </li>
    <li style="margin-bottom: 10px; padding: 16px; display: flex; align-items: flex-start;">
      <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; margin-right: 10px;">&#x2713;</span>
      <label><b>Milestone Bonus: </b>10,000 bonus reward points on spending more than Rs. 12 lakh in a year.</label>
    </li>
  </ul>
</div>

Complimantary visits to domestic/international lounges.

12 Complimantary golf lessons per year.

0 annual fee on ₹8L+ spend in a year.

6 complimentary visits to domestic lounges per year.

4 complimentary visits to international lounges per year.

Airport Lounge Access

4 complimentary rounds annually.

12 complimentary golf lessons per year (max 1 per month).

50% off on green fees for additional golf rounds.

Golf Access

Earn 10,000 bonus reward points on spending more than ₹12 lakh in a year.

Milestone Bonus

<div><h3>Key Features:</h3><ul style="list-style-type: none;padding: 0;"><li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;  ">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
           <label>Welcome benefits Rs. 600 worth of activation benefits on your Flipkart Axis Bank Credit Card.</label>
        </li>
        <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
        <label>Earn unlimited 5% cashback on Flipkart spends.</label>
        </li>
        <li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
        <label>Earn unlimited 4% cashback on Preferred Merchants.</label>
        </li>
		<li style="margin-bottom: 10px; padding: 16px; position: relative; line-height: 1.5; display: flex; flex-direction: row; justify-content: flex-start; align-items: flex-start;">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px;">&#x2713;</span>
        <label>Avail a fuel surcharge waiver of 1% with your credit card at all fuel pumps across India.</label>
        </li>
 </ul></div>

Upto 5% cashback on spends at Flipkart.

Upto 7.5% cashback on Myntra.

Upto 5% cashback on Cleartrip.

1% fuel surcharge waiver for transactions upto Rs. 4,000.

Up to 15% discount at partner restaurants.

Dining Benefit

Convert transactions above Rs. 2,500 into EMIs.

EMI Conversion

Axis Credit Card

Upto 5% cashback @ Rs. 299.

10X/5X on domestic/international spends.

Up to 2% cashback @ Rs. 199.

1 Point per Rs. 100 on utilities (max 100 points per txn).

1 Point per Rs. 100 on other spends incl. insurance.

Max 25,000 points per statement cycle (excl. utilities).

1 Point = Re. 0.25 via rewards catalogue.

Reward Points

5% cashback (3 times in 90 days) on retail spends.

Min spend Rs. 7,500; Max cashback Rs. 500 per 30 days.

2% cashback (3 times in 90 days) on retail spends.

Min spend Rs. 10,000; Max cashback Rs. 1,000 per 30 days.

Milestone Cashback

Extra 5% cashback on grocery, travel, dining, electronics & apparel.

Max cashback Rs. 1,000 per category per 30 days.

Category Cashback @ Rs. 199–299

AU Small Finance Credit Card

<div><h3>Key Features:</h3><ul style="list-style-type: none;padding: 0;">
        <li style="margin-bottom: 10px; padding-left: 30px; position: relative; line-height: 1.5;">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; position: absolute; left: 0; top: 2px;">&#x2713;</span>HDFC
           <label>Annual Fee - Rs. 500 + Taxes</label>
		</li>
        <li style="margin-bottom: 10px; padding-left: 30px; position: relative; line-height: 1.5;">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; position: absolute; left: 0; top: 2px;">&#x2713;</span>
           <label>Welcome benefit: Complimentary Swiggy One Membership for 3 </label>
        </li>
        <li style="margin-bottom: 10px; padding-left: 30px; position: relative; line-height: 1.5;">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; position: absolute; left: 0; top: 2px;">&#x2713;</span>
           <label>10% Cashback on Swiggy | 5% Cashback on online spends (capped at Rs 1500 per billing cycle)</label>

        </li>
        <li style="margin-bottom: 10px; padding-left: 30px; position: relative; line-height: 1.5;">
            <span style="padding: 2px; color: white; background-color: green; border-radius: 15px; width: 16px; height: 16px; line-height: 17px; text-align: center; font-size: 16px; position: absolute; left: 0; top: 2px;">&#x2713;</span>
           <label>1% Cashback on offline spends (capped at Rs 500 per billing cycle)</label>
        </li>
		
		
		
    </ul></div>

Upto 5% cashback on everyday spends.

Upto 10% cashback on spends at Swiggy.

Annual fee waived on ₹2L+ yearly spend.

4 free rounds + 12 golf lessons, 50% off beyond.

Golf benefits via Mastercard.

HDFC Credit Card

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Card
Interest Charges
Perks 
Reward Points


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3.50% per month
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HSBC Live+ Credit Card