Credit Cards from HSBC Bank has been designed to complement the lifestyle requirements of the users. The product extends an array of offers ranging from shopping, travel, entertainment, dining and so on. Apart from the use of the card for domestic purpose, it has an option of setting up for international usage facility.
HSBC stands for Hongkong and Shanghai Banking Corporation.
The bank’s name HSBC is derived from the initials of the Hongkong and Shanghai Banking Corporation. It is a British multinational banking and financial services holding company which has its origin to a hong in Hongkong.
It is one of the seventh largest bank in terms of total assets in the world and the largest in Europe with total assets amounting to US$2.374 trillion as of December 2016.
The bank was established in the year 1991 in London by The Hongkong and Shanghai Banking Corporation to act as a new group holding company. HSBC was first incorporated in the year 1866.
It has around 3,900 offices spread across 67 countries around the globe. HSBC’s four business groups include Commercial Banking, Global Banking and Markets (investment banking), Retail Banking and Wealth Management and Global Private Banking.
The following are the features of HSBC Credit Card:
• Digital Platform – The cardholders of the HSBC bank are entitled to access the money easily round the clock without facing any hurdles. One has to simply log in to the account through HSBC’s Personal Interest Banking or HSBC Mobile Banking and make secure transactions any time, anywhere.
• Fast Access – Account holder of the bank as HSBC Advance customer can do day-to-day banking any time of the day be in day or night and can enjoy higher cash transaction limits across the globe without facing any kind of hindrance.
• Loan on Phone – HSBC Credit cards provide a unique opportunity to the account holders, wherein the cardholder can pay for the purchases through a new feature known as Loan on Phone feature. The cardholder can conveniently pay for the purchases through the card in easy monthly installments. The cardholder has to call HSBC PhoneBanking within a period of 50 days from the date of purchase to convert the purchase loan.
• Cash on EMI – This facility from HSBC offers the credit cardholders to avail cash advance facility and the same can be repaid in Equated Monthly Installments (EMI). The tenure for the repayment of the loan can be chosen by the customer ranging from 6 to 36 months.
Aspiring customers can visit the official website of HSBC Bank and click on the Credit Card option on the home page of the bank’s web portal.
Now the customer can go through the list of available cards under the credit cards section to understand the features, benefits, fees, eligibility criteria and so on before zeroing on the best credit card suitable for the individual as per the requirements.
After selecting the desired card as per the requirement now click on the Apply Now button which is present against each credit card in the web portal of HSBC Bank. This will take to the individual credit card page which shows a tip which suggests that the aspiring customer need to have Aadhaar Card and PAN card number available at the time of applying for the respective card.
Moving on the customer has to fill in the PAN and Aadhar details under the personal details section to progress further. The customer has to fill in the employment details and move on the review those details to cross-check that the provided details are correct and need not require any changes.
The customer will be asked to fill in the additional details before proceeding to the last step of consent and submitting the duly filled in online form to HSBC Bank for securing the desired credit card.
Once the details are filled in, the bank will check whether the candidate is eligible to avail the credit card for which they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card, it will be on the discretion of the HSBC Bank to decide if a customer has to be given Credit Card or not.
The individuals can apply for credit card with HSBC Bank via offline by visiting the nearest branch of HSBC Bank. The applicants have to fill in the application form provided by the bank executives to secure a credit card and have to submit the required documents as mentioned in the application. If they meet the eligibility criteria, then the bank will provide the credit card to the customer. The decision to provide the credit card to a customer is solely based on the bank's discretion.
Customers can also procure credit card by placing a call to the Customer Care of HSBC Bank at 1860-266-2667 which is operational 24X7.
An individual should satisfy the below-mentioned criteria to secure a Credit Card with HSBC
• Should be a resident of India.
• Should have attained at least 21 years at the time of applying for the credit card.
• Income requirements of the cardholder differ from one credit card to another.
• Should have a clean credit record.
The following mentioned documents are required
• Completed Credit Card application form
• Latest Credit card statement for an employee of other credit cardholders
• Form 60
• Recent color photograph
Anyone of the following self-attested copy for income proof
For Salaried Employees/ MNC Corporates:
• Latest payslips for 3 months and Bank statements reflecting salary credit.
• Latest Income Tax Returns
• Form 16
For Self Employed
• Latest Income Tax Returns
Anyone of the following self-attested copy for identity proof for both salaried and self-employed individuals:
• Government employee ID Card
• Election / Voters Identity Card
• Driving License
• PAN Card
Once the bank receives the completed application form with all the required documents, then the application will be processed within a period of two weeks. The applicant will receive the desired credit card within 7 days once the application is approved. The bank will send in the timely alerts on the status of credit card application via SMS to the mobile number as mentioned in the application form.
The following is the steps that the cardholder has to follow in order to register for e-statements.
Step 1: Log into HSBC’s Internet Banking.
Step 2: Set up a one-time request by clicking on the ‘Request e-statements/e-Advice’ option on the main menu.
Step 3: The bank will send a secure mail and an SMS alert informing the cardholder when the e-statement is ready.
To avail the unique benefits of ATM transaction like, withdrawing cash, view the details for all your accounts, transfer money, change mobile number and much more, applicants are required to generate PIN for the ATM facility provided HSBC Bank. Applicants can generate their credit card Pin through ATM, Net Banking, HSBC Mobile App, calling tollFree number. Below given steps are for online PIN Generation. Go through all the steps to make your process complete
HSBC Credit Card Pin Generation through ATM
HSBC Credit Card Pin Generation through Net Banking
HSBC Credit Card Pin Generation through Toll-free Number
Dos and Don'ts for generating HSBC Credit Card PIN
It is important to pick a good credit card PIN to protect your finances. While picking a PIN for your HSBC credit card, please remember the following points.
HSBC credit cardholders can take the benefits of HSBC Net Banking by registering their credit card. Below given is the process of HSBC Credit Card registration. Scroll down and know the step to register Hsbc Credit Card
To register a credit card for net banking via offline a cardholder can dial to the given toll-free numbers: 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 also visit your nearest HSBC branch and fill out a form to access net banking on your credit card.
You can raise a variety of requests through HSBC net banking facility and they are listed below:
With HSBC Net Banking facility it's become easier to keep track of the different banking services. By registering your HSBC Credit Card for net banking you will get the below-listed benefits.
Once a customer receives HSBC credit cards, he/she must activate the card for the use. Go through the below given methods and process of HSBC Credit Card activation to activate your card instantly.
Go through the below given process to activate your HSBC Credit Card via Net Banking facility
Another way of activating your credit card is through a transaction based on a PIN. Customers simply have to do a retail or online transaction using the PIN that they were sent in their welcome kit.
Applicants can also their credit card by phone banking services, for this kindly call on 1860 108 7788 and follow the Interactive Voice Response (IVR) to change the PIN or to activate your card.
HSBC Credit Card Statement is received each month and records most of the transactions made by the holder of the credit card in the transaction month. One can get HSBC Credit Card statement via email or in other word e-statements. This statement can also be accessed by HSBC credit card users online through Net Banking.
For handling your credit card accounts, you can also use the HSBC Mobile Banking App accessible on both the Apple App Store and the Google Play Store. Apart from this you also need your net banking credentials for accessing net banking facilities in HSBC Mobile App. If you are a regular customer of HSBC net banking, follow the measures below to use the App to verify your credit card balance.
To know the balance of your HSBC Credit Card you can also get in touch with the HSBC Customer Care service. Follow the below-given measures for the same.
Indian Customers: Call on 1860 108 7788 or 1860 500 2277 (24x7)
Overseas Customers: Call 040 - 67173402 or 080 – 49089632
The customer helpline numbers are accessible from 06:30 am to 8:30 pm for enquiries. When accessing customer service, make sure your HSBC Credit Card is handy because you will need to provide your credit card number and other information specific when asked on the phone by the representative.
Log in to the HSBC Net Banking portal with your User id/Password, and get a flexible option to manage your HSBC Credit Card. Know the login and registration process by following the below-given steps:
How to Register
How to Login
Secure your online shopping with enhance security of 6-digit OTP that secure your credit card payment on the Internet/merchant IVR systems in India. The applicant automatically receives OTP on their registered mobile number when he/she use the card for online transactions on VISA or MasterCard websites. To avail this service applicant has to register their mobile numbers with HSBC. Below are the methods to update your mobile number with HSBC:
How to make IVR Credit Card Payment
The below-given details are required to initiate online transaction
Go through the below-given steps to make online transaction by entering 6-digit OTP
Below listed are the online payment options for HSBC Credit Cards
HSBC VISA Credit Card customers can use this payment option to clear their pending credit card bills. Apart from this, you can also transfer cash to your credit card from any bank account. Call your nearest HSBC branch for more details.
You will need to download the app from the Google Play Store or Apple App Store to utilize the mobile payment system. You can access the software by sending a text message, too. If you have an Android device send 'AMB' to 575750, in case if you are an IOS user you can send 'IMB' to 575750.
HSBC Credit Card is an electronic credit card payment processing portal. Make a payment from any other bank account without any hidden charges. Bill desk portal is useful for you in case you have not any account with HSBC Bank. Have a look through the below-given benefits and payment process of Bill Desk service and complete the payment process which is much easy and convenient.
Who can pay through Bill Desk Portal?
Features of ICICI Credit Card Bill Desk
HSBC Credit Card Payment Bill Desk Online
HSBC also allows you to pay for your credit card outstanding through NEFT. National Electronic Fund Transfer is the best way to pay your credit card dues as it allows you to make the payment with your bank details or credit card details. Go through the below-given method and make your HSBC Credit Card Payment via NEFT.
To make HSBC Credit Card Payment via Net Banking service, you will have to login to your HSBC net banking account. Once logged in you can follow the instructions to pay your HSBC Credit Card bill. But you will have to register first for making payments via net banking service. For self-registration you can follow the below-given combinations.
This method of payment can be used if you do not have an HSBC account. Going through this method, the bill amount gets auto-debited from your other bank account.
By choosing this method you will never miss the due date of your credit card bill payment. The amount will automatically get debited from your HSBC savings or current account.
Follow the below listed offline payment options to make a payment by your HSBC Credit Card.
HSBC Credit Card Payment via Phonebanking
HSBC Credit Card Bill Payment via ATM
HSBC Credit Card Bill Payment via the bank branch
HSBC Credit Card Bill Payment via Cheque/Draft
HSBC was established in 1865 and is a global banking and financial services company. The Bank provides retail banking, financial planning, cash management, credit cards, and other finance facilities in India. HSBC cardholders can access money on their credit cards and conveniently borrow money to pay for their expenditures via the bank's Cash-on-EMI feature. This functionality is a huge benefit for the individual searching for an instant cash option.
To apply for the cash-on-EMI feature, you have to be a credit cardholder with HSBC. But this function can only be accessed by selected HSBC credit cardholders. No documentation is necessary to acquire this loan.
The quickest and easiest way to apply for a credit card HSBC loan is to apply for it online through the HSBC net banking platform. You may need to have the following details when applying for such loans:
Applicants applied for HSBC Credit Card can track the status of their application through the below-given process. Track your credit card status by your application number. Scroll down and go through the tutorial to make the process complete.
Online Process to check HSBC Credit Card Status
Offline Process to check HSBC Credit Card Status
Apart from the online process applicants can also go through offline process to check their credit card status. Below given numbers are to track HSBC Credit Card status via offline
Call on the helpline numbers: 1860 108 7788 / 1860 500 2277
Below given details will appear after checking the credit card status.
In-progress: When the application is still in process, you will get the status as ‘In progress’.
On-hold: You will receive ‘On-hold’ status, if you have submitted any incomplete documentation or details.
Approved: You will find the ‘Approved’ status, once your application has been approved. You will receive your card to the address mentioned in the application form.
Dispatched: Once your card is dispatched, Dispatched status show on the screen. It will take 2-3 business days to deliver your card at your doorstep.
Disapproved: A ‘Disapproved’ status displayed when your application has been rejected. This happens when you cannot meet the eligibility criteria of the credit card.
No records found: If you enter any incorrect details, the screen will display ‘No records found’ status. Re-enter the correct details to get the status complete status.
HSBC India or Hsbc Credit Card App is a self-service mobile app for all the Indians which allows you to take complete access to all your credit card information. Log in with your Net Banking Id, Password and explore a world of convenience just with a few taps. No matter where you are just with your Hsbc NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Hsbc Credit Card App and how to use it.
Benefits of HSBC Credit Card App
Register and Download HSBC India
Below are the steps to download and register yourself in Hsbc India app
Fees and Charges
HSBC India Mobile Banking utilizes the same authentication functionality as net banking. The HSBC India app will not store your confidential data apart from the login credentials. The authentication log-in process is performed under the HSBC mobile banking system to ensure your security.
By using HSBC India Mobile Banking App you generate credit card e-statements right from your comfort. By a single login, you can download the credit card e-statements of the last 12 months on your mobile. The e-statements are grouped year wise and are categorized with the recent transactions on the top.
Process to access e-statements for your HSBC account
Shop more and Earn more, with HSBC Rewards Programme get more out of your money every time you shop. HSBC Reward Programme gives you a wide range of redemption options including jewelry, fashion accessories, garments, home appliances, electronic equipment, cosmetics and much more. Redeem the reward points for an exciting range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles and donation to charities. Scroll down and get to know about HSBC Rewards Programme.
Once you have accumulated sufficient points to apply for redemption, you will use the points to make more purchases or pay your credit card bills. Below listed is the process to redeem HSBC Reward Points through online.
Apart from the above given online process, you can also redeem your cumulated reward points via post and customer care service.
Download the reward from the bank website and send it to the below-given address:
HSBC Card Products Division,
Post Bag Number 5080, Chennai – 600 028
Via Customer Care Service
To redeem your reward points through customer care service kindly call the below-given customer care number.
Toll-Free Number- 1860 108 7788 or 1860 500 2277
Only HSBC Premier Mastercard Credit Cardholders are allowed to redeem their loyalty points for Airmiles from Jet Airways, Singapore Airlines, and British Airways. The miles can only be redeemed through Phone Banking. HSBC Premier Phone Banking Numbers are listed below:
For Indian Customers:
1800 266 3456
1800 103 4722
For Overseas Customers:
HSBC provides a range of choices through which customers can redeem their reward points. The types under which the reward points can be redeemed by customers are listed below:
HSBC Credit Card customers may use three separate means to check their credit card balance – via online banking, HSBC customer service helpline and HSBC Mobile Banking app. Let's learn how to check the balance on your HSBC credit card using the above platforms.
You can download the HSBC Credit Card App via android as well as ios device. If you are not an active user of the app kindly download and register your card to get Username and Password. In case you are an active user of the app go through the below-given steps to check your HSBC Credit Card Balance.
To go through the offline process you can also call the below given HSBC Customer Care numbers to check your credit card balance.
If you are a new user of HSBC Internet Banking services, register your card to get your internet banking id and password. In case you are an existing user of the same scroll down and go through the process to know your credit card balance.
Using the bank's balance transfer method, HSBC Bank credit cardholders can transfer their outstanding balance from the other bank credit cards to their HSBC credit cards without any issues. HSBC consumers may use HSBC Phone Banking, SMS Banking or the HSBC portal to use the Balance Transfer facility. HSBC Credit Cardholders can go through the below given two options to use the HSBC Balance Transfer facility.
HSBC Bank Credit Cardholders can transfer and repay the unpaid balance available on their other bank credit cards to an HSBC credit card using the Balance Transfer on EMI facility. The reimbursement will be rendered at a reasonable interest rate, in the form of monthly installments. HSBC Credit Cardholders must make a minimum balance transfer fee of Rs.3000 from other bank credit card accounts through their HSBC credit card accounts in order to make use of this facility. On the due date, the monthly installment will be credited to the credit card of the customer. Repayments of the loan can be rendered for tenures of 3, 6, 9, 12, 18, or 24 months. HSBC Bank charges 1% of the amount or a minimum of Rs.149 on the amount transferred through the balance transfer facility.
Applicable Rate of Interest for Balance Transfer on EMI facility
HSBC Bank gives its customers the "Perpetual Balance Transfer," under which unpaid balance transfers can be made to HSBC credit cards from any other bank credit cards. Customers can allow the repayments at lower interest rates. To take advantage of this service a total of Rs. 3000 must be transferred. The minimum interest rate id applied on the transferred amount and HSBC provides the convenience of having no limitations on repayment tenure under the Perpetual Balance Transfer option.
Customers will not have any fixed tenure to choose from. Per month a fixed repayment will be rendered which would be equal to 5 percent of the remaining PBT balance or a total of Rs. 100. HSBC Bank charges a transaction fee of 1 to 2 percent or a minimum of Rs 149 on the amount of Perpetual Balance Transfer. Every month, customers may make additional purchases and even shut their Perpetual Balance Transfers when they want. On complete repayment of the Perpetual Balance Transfer amount, HSBC does not charge any foreclosure fees.
Call on the below-given toll-free number to solve your any credit card related query.
Within India- 1860 267 3456, 1800 121 2208
For customers calling from outside India, can give a call to +91-40-61268002 or +91-80-71898002
Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:
Q: How many days does it take to receive an HSBC Credit Card?
A: If you are applied for HSBC credit card along with all the required documents, your application will be processed within two weeks. You will receive your new credit card in 7 working days, once your application is approved. The Bank will send you timely alerts on the credit card application status by way of an SMS on your registered mobile number stated on your application form.
Q: What are the different types of credits cards available in HSBC?
A: HSBC offers 4 credit cards to its customers each of which is carefully designed to suit their needs and wants. They are as follows:-
1. HSBC Visa Platinum Card
2. HSBC Smart Value Card
3. HSBC Premier MasterCard
4. HSBC Advance Visa Platinum Card
Q: Are there any extra charges if I use my HSBC credit card overseas?
A: Your HSBC cards are internationally valid cards and there is no extra charge for usage at the Point of Sale. You will be charged a transaction fee for cash withdrawal of ₹100 at overseas ATMs.
Q: How can I change my credit card PIN?
A: You can request a new PIN in any of the following ways:
· Call our Phone Banking numbers
· Send a secured message after logging into Internet Banking
· Visit the branch to place the request
The ATM PIN will be dispatched to your mailing address within 7 working days of placing the request.
Q: How does Balance transfer on EMI benefit me?
A: This feature allows you to transfer other bank credit card outstanding dues for repayment at lower interest rates, hence, saving your interest costs that may have been applicable on the other card, in case of part payment.
Q: What is the rate of interest that is charged for the Balance Transfer facility in HSBC?
A: The interest rate chargeable depends on the type of credit card you hold and the plan you choose. The interest rate range ranges between 15% p.a. to 19.8% p.a. There is also a one-time processing fee ranging from 1% to 2%. For more details, you can call customer care from your registered mobile number.
Q: What is Cash-on-EMI?
A: The Cash-on-EMI facility allows the Cardholder to avail the cash advance facility on his/her HSBC Credit Card without any documentation and also save your interest costs and repay the same in Equated Monthly Instalments (EMIs). The minimum amount eligible for the Cash-on-EMI facility will be ₹5,000 subject to eligibility.
Q: What is Loan on Phone (L.O.P)?
A: Loan on Phone (L.O.P.) is a facility through which the cardholder can make purchases on the HSBC Credit Card and then convert the purchase amount into instalments. The cardholder can make the purchase at any merchant establishment and post-purchase; get the transaction converted into a L.O.P. within 15 calendar days of the purchase transaction.
Q: What is an instant EMI?
A: Instant EMI facility, is a kind of facility by which the cardholder can convert his/her purchases into equated monthly instalments at the point of sale while purchasing a product at select merchant outlets.
Q: What is the rate of interest that I will be charged for the Instant EMI facility?
A: The interest rates chargeable are as follows:
· 3 months - 12.5% interest
· 6 months - 12.5% interest
· 9 months - 13.5% interest
· 12 months - 13.5% interest
· 18 months - 13.5% interest
· 24 months - 15% interest