HSBC Credit Cards In India 2018 ( Review and Comparison)

HSBC Credit Cards In India 2018 ( Review and Comparison)

I was recently searching for best credit cards in India.  I was looking for something different than the usual SBI, HDFC, or ICICI credit cards.  My quest to find something different led me to HSBC Credit Cards in India.

I was quite astonished with the terms and conditions of the HSBC Credit Cards.

Also Read: Standard Chartered SuperValue Titanium Fuel Credit Card Review

Why choose HSBC Credit Cards

HSBC Credit Card is a very simple credit card because there is no annual fee or joining fee or minimum annual transaction requirement.

The reward points are great and you can use to buy any gift items you’d like to buy.  There is an option to earn cashback also.

I highly recommend HSBC Credit Cards for all first time credit card buyers and salaried employees.

Here is the review and comparison of best HSBC Credit Cards in India.

Also Read: American Express Membership Rewards Credit Card Review

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card can be used for every day purchases such as grocery, utility bill, fuel, dining and shopping.

You’ll reap more cashback if you transact any bulk purchases using this credit card such as buying a mobile phone, refrigerator, washing machine, TV, Laptop, Gold Jewellery.

HSBC is the only credit card provider with “unconditional” no annual fee, no joining fee, and no minimum transaction requirement in a year.

Other credit card providers such as HDFC, SBI, Citibank, waive the annual fee if you make certain amount of transaction in a year like Rs.50,000 or Rs.1,00,000.

It is a great credit card for first time credit card buyers.

Eligibility: All salaried and self-employed with an annual income of Rs.4,00,000 are eligible to apply.

Check Your Eligibility

Highlights of HSBC Visa Platinum Credit Card:

  • 10% Cash Back upto Rs.3000 on each credit card transaction of Rs.10,000. Maximum 9 such transactions.
  • Get a Clear Trip Voucher Rs.2000 worth on first transaction
  • Earn 3X rewards on all spends at dining, hotels and telecom categories for the first 12 months
  • Get a movie ticket voucher worth Rs.500 on spending Rs.50,000 in a calendar month
  • 1% fuel surcharge waiver on your fuel bills
  • Earn 2X Reward Points for every Rs.150 spent
  • Earn 5X Reward Points on all subsequent purchases made after spending Rs.4,00,000 in a year using the credit card.
  • Option to convert reward points earned into Jet Airways, or Singapore Airlines air miles.
  • Enjoy 15% discounts at participating dining restaurants.
  • Foreign currency conversion charges 3.5% of the transaction ( much higher than the HSBC Regalia forex charges of 2%)
  • Buy One Get One Free movie ticket at BookMyShow
  • 10% discount at Shopper’s Stop and Home Stop

Apply Here

Fees:

Joining Fee: None ( It’s simply a free credit card)
Annual Fee: None (It’s simply a free credit card)

Apply Here

Also Read:  Standard Chartered Manhattan Credit Card Review

 

HSBC Advance Visa Credit Card

HSBC Advance Visa Credit Card Review

HSBC Advance Visa Credit Card is an every day use credit card specially targeted towards online shopping.

Earn more reward points when you shop online or anywhere.

HSBC is the only credit card provider with “unconditional” no annual fee, no joining fee, and no minimum transaction requirement in a year.

Other credit card providers such as HDFC, SBI, Citibank, waive the annual fee if you make certain amount of transaction in a year like Rs.50,000 or Rs.1,00,000.

It is a great credit card for first time credit card buyers.

Eligibility: All salaried and self-employed with an annual income of Rs.4,00,000 are eligible to apply.  Easy approval if you have corporate salary account with HSBC.

Check Your Eligibility

Highlights of HSBC Advance Visa Credit Card:

  • Earn 3X Reward Points on all online spends in the first 24 months
  • Earn 2X Reward Points for every Rs.150 spent
  • Earn 5X Reward Points on all subsequent purchases made after spending Rs.4,00,000 in a year using the credit card
  • Get Movie ticker voucher worth Rs.500 on spending over Rs.50,000 in a calendar month
  • Enjoy 15% discounts at participating dining restaurants
  • Foreign currency conversion charges 3.5% of the transaction
  • Buy One Get One Free movie ticket at BookMyShow
  • 10% discount at Shopper’s Stop and Home Stop

Apply Here

Fees:

Joining Fee: None ( It’s simply a free credit card)
Annual Fee: None (It’s simply a free credit card)

Apply Here

 

Conclusion

As I mentioned at the beginning, HSBC Credit Cards are very simple every day use credit cards that come with plenty of rewards and cashbacks.  HSBC Credit Cards has no joining or annual fees unlike any other credit cards available in India.

 

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