Unlock Exclusive Offers On Rewards Credit Cards

Best HSBC Rewards Credit Card 2026

Bonus Points on Partner Brands

Year-Round Redemption Deals

Home
Credit Card
HSBC
Rewards Credit Cards

Popular HSBC Rewards Credit Card Offers

Scout through some of the best hand-picked credit card offers.

HSBC Visa Platinum Credit Card

Shopping
Lifetime Free
Rewards

Joining Fee: Nil
Annual/Renewal Fee: Nil

No joining/annual fee.
Up to 5x reward points.
Annual fee waived on spending above ₹8 lakh in a year.

+ More Details

HSBC TravelOne Credit Card

Rewards
Travel

Joining Fee: ₹999 + taxes
Annual/Renewal Fee: ₹999 + taxes

Complimantary visits to domestic/international lounges.
12 Complimantary golf lessons per year.
0 annual fee on ₹8L+ spend in a year.

+ More Details

Check Your CIBIL Credit Score Now

Absolutely FREE!!

Check Now

What is the HSBC Rewards Credit Card?

The HSBC Rewards Credit Card in India allows you to earn reward points on everyday purchases like shopping, dining, travel, groceries, and entertainment. You can redeem these points for vouchers, travel, airline miles, hotel bookings, and gift cards.

The Rewards Program is available on several HSBC cards, including the HSBC Visa Platinum and HSBC TravelOne Credit Cards, which emphasise rewards and lifestyle benefits.

What are the Key Benefits of the HSBC Rewards Credit Card?

HSBC offers rewards credit cards in India that provide benefits for everyday spending. You can earn points or cash back on online shopping, dining, travel, and utility bills. These rewards can be redeemed for travel, shopping, or gift cards. Many cards have no joining or annual fees during promotions, allowing you to start earning rewards quickly.

Earning Rewards

Reward Points on Eligible Spends: Cards like the HSBC Visa Platinum earn points on everyday transactions, redeemable for flights, hotel stays, shopping vouchers, and more via the HSBC Credit Card Rewards Programme.
Cashback on Select Cards: HSBC Live+ and Cashback-style cards offer flat cashback for most online spends and 1% on offline purchases, subject to card-specific terms.

Lifestyle & Travel Perks

Premium Card Benefits: Cards such as the HSBC Premier Credit Card offer hotel privileges, travel rewards, and enhanced Mastercard features, making them ideal for frequent travellers.
Fuel Surcharge Waiver: Selected cards waive the fuel surcharge within specified limits, helping reduce routine fuel costs.

Ongoing Offers

HSBC reward and cashback cards come with partner offers across dining, food delivery, travel, shopping, and e-vouchers, including popular brands such as Swiggy, EazyDiner, and retail partners.

Convenient Management

All HSBC credit cards can be managed online or via the HSBC mobile app, allowing users to track spending, redeem rewards, manage EMIs, and stay in control of their finances effortlessly.

Who Should Apply for the HSBC Rewards Credit Card?

The HSBC Rewards Credit Card is designed for regular use rather than occasional or emergency spending. It works best when incorporated into your daily financial routine, helping you earn points or cashback consistently. You should consider applying if you are:

A regular spender: Use a credit card every month for shopping, dining, groceries, or travel.
An online shopper or digital user: Take advantage of higher cashback or reward points on online purchases.
A salaried professional with predictable expenses: Ensures you can manage monthly payments and make the most of rewards.
A first-time reward card user: Looking to start earning points or cashback for everyday transactions.
A user seeking long-term value: A card that delivers benefits over time, with rewards, partner offers, and lifestyle perks.

What are the Fees & Charges of HSBC Rewards Credit Card?

Before selecting an HSBC credit card, it is essential to understand the fees and charges associated with everyday use. Here is a clear overview based on HSBC India’s official schedule:

Fee Type	Charges
Annual Credit Card Fee	Varies from card to card, may be free for a limited time or for a lifetime
Finance Charges	The percentage of the outstanding amount is usually high
Cash Withdrawal Charges	Up to 2.5% of the withdrawn amount
Credit Card Interest Rate	High interest on the carried forward balance
Foreign Transaction Fee	Around 2%–5% of the transaction value
Late Payment Charges	Varies based on issuer and bill amount

What is the Eligibility Criteria of HSBC Rewards Credit Card?

To qualify for an HSBC Rewards Credit Card, you must meet specific age, income, and credit profile requirements. Although these can vary by card variant, HSBC maintains consistent standards across most rewards cards. The table below shows the typical eligibility criteria:

Criteria	Details
Age	You must be at least 18 years old and not older than 65.
Citizenship	Only Indian citizens are eligible to apply for HSBC Bank credit cards.
Residence	You must live in one of the cities where HSBC issues cards, such as Mumbai, Bengaluru, Delhi NCR, Chennai, Pune, Hyderabad, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata.
Income	Salaried applicants must have an annual income of at least ₹6,00,000 to qualify for HSBC Bank credit cards.

Documents Required For HSBC Rewards Credit Card

HSBC makes the credit card application process easy for salaried applicants, requiring only basic paperwork. You’ll need to provide documents for identity, address, and income verification:

Document Category	Accepted Documents
Identity Proof	Aadhaar Card, Passport, Voter ID, Driving Licence
Address Proof	Utility bill (not older than 3 months), Rental agreement, Aadhaar Card, Passport
Income Proof	Latest salary slip (for salaried employees), Form 16, latest ITR, or 3 months’ bank statement
PAN Card	Mandatory for tax and credit reporting purposes

How to Earn HSBC Credit Card Reward Points?

Earning reward points with an HSBC Rewards Credit Card depends on the number of points you earn on your card variant and the type of spending you do:

Use the card for everyday purchases: Earn points on routine transactions like shopping, dining, groceries, and fuel.
Spend in select categories: Certain cards offer higher points for online shopping, travel bookings, dining, or lifestyle-related expenses.
Shop online: Make purchases through e-commerce platforms to receive extra reward points.
Dine and buy groceries: Accelerated points may be available on dining and grocery spends, depending on the card.
Shop with partner merchants: Earn bonus points when using your card with HSBC’s partner brands.
Meet annual spending milestones: Some cards reward additional points when you reach pre-defined yearly spending thresholds.

Validity of HSBC Credit Card Reward Points

Reward points you earn on HSBC credit cards in India expire if they are not used within a set period under the card’s rewards programme. For most HSBC cards, such as the Visa Platinum, TravelOne, and similar reward‑earning variants, points typically expire 3 years (36 months) after they are earned. Some premium cards, such as the HSBC Premier Credit Card, do not have an expiry on reward points, meaning points remain active as long as the account is in good standing.

How to Redeem HSBC Credit Card Reward Points

HSBC allows you to easily redeem your reward points for flights, hotel stays, shopping vouchers, and other benefits through the HSBC India mobile app or online banking. Simply browse the Rewards Catalogue to select your desired item or service. Some cards allow you to convert points to airline miles or hotel loyalty points through partner programs. For certain redemptions or cash adjustments, contact HSBC customer service. Make sure to redeem your points before they expire.

How to Apply Online for HSBC Rewards Credit Card through Urban Money?

Urban Money lets you compare HSBC credit cards and complete your application entirely online, without visiting a branch. Follow these simple steps:

Visit the Urban Money website and select the HSBC credit card that suits your needs.
Enter your basic details, such as name, mobile number, email, and city.
Provide your monthly income so the platform can check your eligibility for the card.
Upload the required documents, including identity proof, address proof, and your latest salary slip.
Complete OTP verification sent to your registered mobile number.
Submit the application form, which will be forwarded to HSBC for processing.
Wait for approval; after that, HSBC will share your card details and provide delivery updates.

Check Your CIBIL Credit Score Now

Absolutely FREE!!

Check Now

Frequently Asked Questions (FAQs)

How does the reward points system work on HSBC Credit Cards?

You earn reward points on eligible spends using your HSBC credit card. Points can be redeemed for flights, hotel stays, shopping vouchers and lifestyle offers. Some cards also offer accelerated points in specific categories, such as online shopping, travel, or dining.

What is the value of 1 reward point on HSBC Credit Cards?

The value of a single reward point depends on the redemption option. For example, points may convert differently when redeemed for airline miles, gift vouchers or shopping. The exact conversion is displayed in the HSBC Rewards Catalogue.

Are there any joining or annual fees?

Many HSBC cards, such as the Visa Platinum, come with no joining or annual fee, especially under current promotional plans. Premium cards like HSBC Premier may have higher fees but offer additional lifestyle and travel benefits.

How can I redeem my HSBC reward points?

Points can be redeemed through the HSBC India mobile app or online banking portal. You can choose from the Rewards Catalogue, convert points to airline miles, or request select cash adjustments via customer support.

Do HSBC reward points expire?

Most reward points expire after up to 36 months from the date they are credited. Some premium cards, like HSBC Premier, allow points to remain active as long as the account is in good standing.

Do HSBC Credit Cards offer cashback instead of points?

Yes, certain cards, such as HSBC Live+ and the Cashback variant, provide flat cashback on transactions, but this is subject to card-specific terms.