Best HSBC Bank Credit Cards – Top Offers & Rewards

Why Choose an HSBC Bank Credit Card?

HSBC Bank credit cards are recognised for their international credibility, premium travel benefits, and exclusive lifestyle Brand Collaboration.HSBC operates in More than 60 countries. HSBC Bank combines worldwide acceptance with localised benefits for Indian customers.

The bank’s credit card portfolio includes options for online shoppers, travellers, and Entertainment and Lifestyle Customers. HSBC Bank offers a wide range of credit cards suitable for first-time cardholders, frequent travellers, and premium customers. The Indian events industry is growing, with live music, cricket, and more.

HSBC Bank provides its customers with pre-sale access to these events, complimentary airport lounge visits, and global acceptance, among other benefits. 

Entry-Level HSBC Bank Credit Cards

Entry-Level HSBC bank credit cards with easy eligibility, low fees, rewards, and smart benefits. Compare options and apply online today on Cardmintra.

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card targets first-time cardholders and budget-conscious users seeking a lifetime-free Credit Card. HSBC Platinum card features include reward points on all purchases. This entry-level card provides foundational credit access without fees.

Key Features:

• Joining Fee: Nil (Lifetime Free)
• Annual Fee: Nil (Lifetime Free)
• Welcome Benefit: No welcome bonus
• Reward Earning: Reward points on all eligible purchases
• Shopping Benefits: Standard rewards on retail transactions
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance Coverage: Personal accident cover and lost card protection are the same as those of others
• Global Acceptance: Wide Visa network acceptance worldwide and bank in 60+ countries
• EMV Chip Security: Enhanced fraud protection
• Zero Liability: Protection against fraudulent transactions upon immediate reporting

HSBC Smart Value Credit Card

The HSBC Smart Value Credit Card is a lifetime-free card that offers three complimentary airport lounge visits, a ₹500 Amazon gift voucher, 10% cashback up to ₹1,000, and a 50% discount on Google Pay as a welcome benefit.

Key Features:

• Joining Fee: Nil (Lifetime Free)
• Annual Fee: Nil (Lifetime Free)
• Welcome Benefit: 3 complimentary airport lounge visits + Amazon gift voucher worth ₹500 + 10% cashback up to ₹1,000 + 50% discount on Google Pay
• Reward Earning: Reward points on all purchases
• Airport Lounge Access: 3 complimentary domestic lounge visits annually
• Shopping Benefits: Enhanced rewards on retail transactions
• Cashback Offers: 10% cashback on select transactions (up to ₹1,000)
• Google Pay Benefits: 50% discount offers via Google Pay
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance: Purchase protection and accident cover
• Global Acceptance: Worldwide Visa/Mastercard network

Mid-Tier HSBC Bank Credit Cards

Mid-tier HSBC Bank credit cards offer boosted rewards, cash back, and valuable benefits for smarter spending.

HSBC Live+ Credit Card

HSBC Live+ Credit Card is a value-added card for online grocery purchases, but it is a chargeable card with a joining fee of around ₹999 + GST. HSBC Live+ cashback benefits include direct cashback on multiple categories. ICICI Bank offers several Cashback Credit Cards.

Key Features:

• Joining Fee: ₹999 + GST
• Annual Fee: ₹999 + GST (waivable on meeting spend threshold)
• Welcome Benefit: ₹1,000 cashback on spending ₹20,000 within first 30 days
• Grocery Cashback: Enhanced cashback on grocery store purchases
• Dining Cashback: Cashback at restaurants
• Food Delivery: Cashback on Swiggy, Zomato orders
• Shopping Cashback: Cashback on retail and online shopping
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance: Purchase protection cover
• Annual Fee Waiver: Fee waived on achieving the annual spending target

Live+ grocery cashback benefits households with regular grocery expenses. HSBC Live+ dining rewards deliver savings on food delivery and restaurant bills.

For someone spending ₹15,000 per month on groceries and dining (₹1,80,000 annually), this card generates ₹9,000- ₹13,500 in annual cashback, far exceeding the ₹999 fee.

Premium HSBC Bank Credit Cards

CardMintra offers premium HSBC bank credit cards that provide high rewards, airport lounge access, travel perks, and VIP experiences.

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card represents the bank’s premium travel offering for frequent flyers and international travellers. HSBC TravelOne travel benefits include substantial welcome vouchers and lounge access. This premium card targets globe-trotters seeking elite experiences.

Key Features:

• Joining Fee: ₹4,999 + GST
• Annual Fee: ₹4,999 + GST (waivable on meeting spend threshold)
• Welcome Benefit: ₹1,000 cashback + Postcard Hotel voucher worth ₹3,000 + 3-month EazyDiner membership on spending ₹10,000 within 30 days + Additional 3,000 points on spending ₹1,00,000 within 90 days
• Reward Earning: Premium reward points on all purchases
• Travel Rewards: Higher points on flight and hotel bookings
• Airport Lounge Access: Complimentary domestic and international lounge visits
• EazyDiner Membership: 3-month complimentary membership with dining discounts
• Hotel Benefits: Postcard Hotels voucher for luxury stays
• Shopping Benefits: Enhanced rewards on retail purchases
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Travel Insurance: Comprehensive coverage for flight delays, baggage loss, and medical emergencies
• Foreign Currency Markup: Competitive rates on international transactions
• Global Acceptance: Worldwide recognition and acceptance
• Annual Fee Waiver: Fee waived on achieving annual spending threshold

TravelOne’s welcome vouchers, valued at over ₹4,000, instantly reduce the first-year fee by 80%. HSBC TravelOne lounge access provides comfort at the airport for frequent travellers. If someone spends ₹1,00,000 within 90 days, the total welcome benefits (₹1,000 cashback + ₹3,000 hotel voucher + 3 months of EazyDiner + 3,000 bonus points worth ₹750) are valued at over ₹4,750, which is almost equivalent to the annual fee. Airport lounge access further increases the yearly value by ₹4,000-₹8,000 for travellers who fly 8-12 times annually.

HSBC Bank Credit Card Rewards & Redemption

HSBC Bank reward points redemption offers multiple pathways to maximise value:

Reward Structures

Redemption Options

HSBC Bank reward points can be redeemed through multiple channels:

• Travel Bookings: Flights and hotels via HSBC travel partners with enhanced redemption value
• Gift Vouchers: 100+ brands including Amazon, Flipkart, and premium retailers
• Merchandise: Electronics, appliances, and lifestyle products via rewards catalog
• Statement Credit: Offset outstanding balance directly with accumulated points (typically ₹0.25 per point)
• Cashback: Direct cashback credits for Live+ card
• Hotel Stays: Luxury hotel vouchers and room upgrades

Points typically hold a value of ₹0.20-₹0.25 per point for standard redemptions, with travel bookings offering slightly enhanced value.

Eligibility Criteria

To apply for an HSBC Bank Credit Card, understanding HSBC credit card eligibility ensures a smooth application:

Age Requirements:

• Primary cardholder: 21-60 years
• Add-on cardholder: 18 years and above

Income Criteria:

• Entry-Level Cards (Visa Platinum, Smart Value): Minimum ₹25,000-₹40,000 monthly for salaried; ₹4-₹6 lakh annual ITR for self-employed
• Mid-Tier Cards (Live+): Minimum ₹40,000-₹60,000 monthly for salaried; ₹6-₹10 lakh annual ITR for self-employed
• Premium Cards (TravelOne): Minimum ₹75,000-₹1,00,000 monthly for salaried; ₹12-₹18 lakh annual ITR for self-employed

Credit Score:

• Minimum 750+ recommended for approval
• 800+ preferred for premium cards
• Clean credit history with timely payments on existing loans/cards

Employment:

• Salaried employees with a minimum of 1 year of continuous employment.
• Self-employed/business owners with a minimum 2 years of business vintage.
• Professionals with stable, verifiable income.

HSBC Relationship:

• Existing HSBC Bank account holders may receive preferential consideration
• Smart Value card is typically offered to relationship customers

Documents Required

Submit these KYC documents when you apply for an HSBC credit card apply online through the bank’s website or branch:

Identity Proof:

• PAN card (mandatory)
• Aadhaar card
• Passport
• Voter ID
• Driver’s license

Address Proof:

• Aadhaar card
• Passport
• Recent utility bills (electricity/gas/telephone) not older than 2 months
• Rent agreement with landlord’s documents
• Property documents

Income Proof:

• Salaried: Latest 3 months’ salary slips + last 6 months’ bank statements
• Self-Employed: Last 2 years’ ITR documents + 6 months’ bank statements + business proof

Photographs:

• Recent passport-size photographs (2 copies)

HSBC Bank Credit Card Fees & Charges

Understanding HSBC Card fees helps you make informed decisions:

Additional Charges:

• Interest Rate: 3.50% per month (approximately 42% annually) on outstanding balances
• Cash Advance Fee: 2.5% of the withdrawn amount (minimum ₹500)
• Foreign Currency Markup: 3.5% + GST on international transactions
• Late Payment Fee: ₹0 for amounts under ₹500; ₹600-₹1,300 for higher amounts based on outstanding balance
• Over-Limit Fee: 2.5% of over-limit amount

Our Top 2 Picks Based on Salary

Best Card for a Monthly Salary Below ₹50,000.

HSBC Smart Value Credit Card

For individuals earning less than ₹50,000 per month, the HSBC Smart Value Credit Card delivers exceptional value through lounge access and cashback. The best HSBC lifetime free card combines a zero-cost structure with premium benefits typically found on paid cards.

Why This Card Wins: The HSBC Smart Value Credit Card stands out as India’s most generous lifetime-free card, offering features typically reserved for cards with annual fees of ₹1,000-₹2,000. The welcome benefits alone are worth ₹2,000+ (3 lounge visits at ₹1,500 each, plus a ₹500 Amazon voucher and ₹1,000 in cashback potential).

The lifetime-free structure means these benefits come with no annual fees—no spending targets, no renewal worries, just permanent, zero-cost premium features. Three annual lounge visits save ₹1,500-₹3,000 for travellers taking 6-8 flights yearly (using lounge access on select trips). The ₹500 Amazon voucher provides immediate shopping value. The 10% cashback offer (up to ₹1,000) on select transactions adds. 

Best Card for Above ₹50,000 Monthly Salary

Choose the best credit card on CardMintra with elite perks, high reward rates, and lifestyle benefits for a monthly income of ₹50,000+.

HSBC TravelOne Credit Card

For professionals earning above ₹50,000 per month, the HSBC TravelOne Credit Card offers premium travel benefits at reasonable rates. HSBC Bank premium travel card features include substantial welcome vouchers, lounge access, and dining memberships, making it suitable for frequent travellers.

Yaha par Card Dalna hai ( Card ki image )

Conclusion

HSBC offers a variety of cards for different categories. If you take frequent international flights, the HSBC TravelOne Credit Card is the best option. Similarly, for retail and online shopping, you can use the HSBC Live+ Credit Card. For lower salaries, such as 20,000 to 30,000, you can apply for the HSBC Smart Value Credit Card. You should apply for a credit card that aligns with your shopping habits and spending patterns.

Carefully review all cards listed above, and apply only after reviewing the full details. The link above will take you directly to the bank’s website, where you can use it.​