HSBC Credit Cards - Explore Features, Rewards, & Benefits.

Introductory Offers 

1. Get an Amazon e-gift voucher worth Rs.100 after completing video KYC 

1. Get Rs.500 cashback by charging at least Rs.5,000 in the first month from app login and usage 

Key Features and Benefits 

1. No joining/annual fee 

1. Fuel surcharge waiver up to Rs.3,000 per annum 

1. Reward points: 2 points for every Rs.150 

1. Accelerated rewards: 5X points on more than Rs.4 lakh in annual spends 

1. Card insurance: Coverage of up to Rs.3 lakh on any lost or misused cards 

1. Balance transfer: Can be carried at low interest rate for the cardholder 

1. Any extra services such as emergency card replacement, cash withdrawal, and payments using Google Pay. 

Rewards Redemption 

1. Can redeem points on a variety of items in the rewards catalogue 

1. Good for online and offline spenders looking for option of flexible rewards redemption. 

Eligibility Requirements 

1. Age between 18 and 65 years of age 

1. Minimum annual income of Rs.4,00,000 

1. Resident of major Indian cities including Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi NCR, Noida, Gurgaon, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, or Pune

HSBC LIVE+ Credit Card

The HSBC LIVE+ Credit Card is a great card for maximizing cashback, particularly for dining, groceries, and food delivery, but also has benefits such as lounge access and premium dining perks, thus making it a good overall card for regular spenders. 

Joining and Renewal Fees  

1. Joining fee of Rs.999  

1. Renewal fee is Rs.999 per annum, which can be waived if cardholder spends over Rs.2 lakh the previous year.  

Welcome Offers  

1. Rs.1,000 cashback when you spend Rs.20,000 (within the first 30 days of account opening, after downloading and logging into HSBC Mobile Banking app)  

1. E-gift vouchers or an Amazon voucher worth Rs.100 after completed video KYC (KVYC).  

Features and Benefits  

1. Annual fee waiver if spending criteria achieved  

1. Basics features while you design your benefits. Up to 10% cashback (up to Rs.1,000 per month) on dining, groceries and food delivery.  

1. 1.5% unlimited cashback on all other online transactions including movies and entertainment.  

1. 1.5% cashback domestic & international on selected spends.  

1. 4 x complimentary domestic airport lounge visits (one on every quarter).  

1. Exclusive access to curated offers including additional premium dining perks via the Visa Digital Concierge app.  

 Eligibility Criteria 

1. Age eligibility is between 18 to 65 yeaRs. 

1. Indian citizen and resident status is required.  

1. Minimum annual income of Rs.4 lakh for salaried applicants.  

1. Must reside in one of the indicated major cities like Ahmedabad, Bengaluru, Chandigarh, Chennai, and Coimbatore. 

HSBC Taj Credit Card

The HSBC Taj Credit Card is a luxury lifestyle credit card crafted for connoisseurs of fine hospitality and travel. It offers exclusive stays at Taj properties, priority access to elite lounges, spa treatments, and premium discounts across top-tier experiences. 

Joining and Renewal Fees 

1. Joining Fee: Rs.1,10,000 

1. Renewal Fee: Rs.1,10,000 (charged annually after 12 months of card activation) 

This high-end card is designed for individuals who frequently indulge in upscale travel, dining, and lifestyle privileges. 

Exclusive Welcome Benefits 

1. One-night stay at Taj Palaces 

1. Two-night stay with breakfast at select IHCL hotels across India 

1. NeuPass Platinum Tier Access:  Automatic Taj InnerCircle Platinum membership for cardholders 

Features and Benefits 

1. Unlimited complimentary room upgrades 

1. 25% savings on best available rates at Taj and participating IHCL hotels 

1. Complimentary set meal vouchers for two at select restaurants 

1. 25% discount on dining, beverages, and Qmin deliveries 

1. Up to 4 annual 60-minute spa sessions, including steam and sauna access 

1. Swimming pool access for two, up to 12 times a year 

Elite Lounge & Events Access 

1. 12 complimentary entries per year to The Chambers Lounge (for you and a guest) 

1. 12 annual visits to the Taj Club Lounge 

1. Access to curated ‘Rendezvous’ events, including private masterclasses and speaker sessions 

Travel Privileges 

1. Unlimited international airport lounge access 

1. 4 chauffeur-driven Blacklane limousine transfers per year 

1. 5% discount on Emirates flights (code: INHSBCT) 

1. 15% off duty-free via AdaniOne app on spends above Rs.7,500 (once/month, max Rs.3,000) 

Reward Programme 

1. 1.5 reward points per Rs.100 spent (standard spends) 

1. 5 reward points per Rs.100 spent at Taj, Vivanta 

1. Conversion: 1.5 points = Rs.1 in HSBC Taj Wallet 

Lifestyle and Dining Offers 

1. Starbucks: 50% off up to 4 times/month (max savings Rs.150/month) 

1. Tira Beauty: 25% off on spends above Rs.2,499 (max savings Rs.750) 

1. Just In Time: 10% discount on selected premium watch brands 

1. BookMyShow: Buy 1, Get 1 free movie/event tickets (up to Rs.750 each, twice/month) 

1. Zomato: 12% off on cafe, restaurant, and bar orders above Rs.2,499 (max Rs.500) 

1. Swiggy: 10% off on food and grocery deliveries 

1. Croma: 5% off on electronics for spends over Rs.20,000 (max discount Rs.2,000) 

Who Should Apply?

The card is best suited for individuals who regularly stay at Taj hotels, travel internationally, and enjoy curated lifestyle privileges. It blends financial utility with a refined lifestyle offering. 

Eligibility Criteria

1. Age Requirement: 25 to 75 years 

1. Residency: Indian citizens only 

1. Eligible Cities: Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi, NCR, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Pune 

HSBC Travel One Credit Card

The HSBC Travel One Credit Card is built for frequent travellers who want more value from every journey. With instant travel rewards, global lounge access, exclusive memberships, and flexible reward redemptions, this card enhances both domestic and international travel experiences. 

Fees and Charges 

1. Joining Fee: Rs.4,999 

1. Renewal Fee: Rs.4,999  Waived off if your annual spend exceeds Rs.8,00,000 in the previous year 

This fee structure makes the card highly rewarding for frequent flyers and big spenders who can unlock high-value perks each year. 

Welcome Benefits 

Get rewarded from the moment you activate your card: 

1. Within first 30 days (after downloading and logging into the HSBC India Mobile Banking App and spending Rs.10,000): 

1. Rs.1,000 cashback 

1. Postcard Hotel voucher worth Rs.3,000 

1. 3-month EazyDiner Prime Membership 

1. Within first 90 days: 

1. Spend Rs.1,00,000 to earn 3,000 bonus reward points 

Rewards Programme 

1. 4 reward points per Rs.100 spent on: 

1. Flight bookings 

1. Travel aggregators 

1. Foreign currency transactions 

1. 2 reward points per Rs.100 spent on all other eligible transactions (no upper limit) 

1. Annual Milestone Bonus: 

1. Spend over Rs.12,00,000 in a year to earn 10,000 bonus reward points 

1. Additional Cardholders:  Earn more reward points by adding supplementary cardholders 

1. Redemption Options: 

1. Convert points instantly to air miles at a 1:1 ratio through the HSBC India app 

Travel and Lifestyle Benefits

Exclusive Travel Discounts 

1. 15% off on domestic & international holiday bookings via: 

1. EaseMyTrip 

1. Yatra 

1. Paytm Travel 

1. ClearTrip 

1. Up to 20% off at select duty-free stores across India 

1. 11% off hotel bookings via StayVista (max 2 bookings/year; up to Rs.3,000 per booking) 

Airport Lounge Access 

1. 6 complimentary domestic lounge visits/year 

1. 4 complimentary international lounge visits/year 

Global Travel Privileges 

1. Access Mastercard World Platform benefits 

1. Holiday discounts, golf access, and more 

Dining, Entertainment & Shopping 

1. Zomato: 10% discount on dining and event bookings 

1. BookMyShow: Buy 1 Get 1 movie tickets (twice/month; max ticket value Rs.200) 

1. AdaniOne App: 20% off on duty-free shopping once a year (min order Rs.8,000; max discount Rs.3,000) 

Golf and Lifestyle Privileges 

1. 4 complimentary rounds of golf per year (1/month) 

1. 12 free golf lessons per year 

1. 50% discount on green fees for extra rounds 

Purchase Protection 

1. Get up to USD 20,000 annual purchase protection on eligible transactions 

Who Should Apply?

Ideal for urban professionals, business travellers, and globetrotters who want to maximise travel rewards, lounge access, and premium discounts through a single card. 

Eligibility Criteria

1. Age Requirement: 18 to 65 years 

1. Minimum Income: Rs.4,00,000 annually (for salaried individuals) 

1. Residency: Indian citizens 

1. Eligible Cities: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata 

Documents Required to Apply for HSBC Credit Cards

The following is the list of documents required to apply for HSBC credit cards:

Proof of Identity (Any one of the following):

1. Permanent Account Number (PAN) card
2. Aadhaar card
3. Permanent driving licence
4. Passport
5. Election or Voter's ID
6. National Rural Employment Guarantee Act (NREGA) job card

Proof of address (any one of the following):

1. Passport
2. Permanent driving licence
3. Election or Voter's ID
4. Property tax bill
5. Gas bill (pipeline connection only)
6. Society outgoing bill (only from registered societies)
7. Electricity, Water, or Telephone bill
8. Domicile certificate with address issued by Municipal corporation

Corporation

1. Aadhaar card
2. Defence ID card
3. Rent or lease agreement registered with state government or similar registration authority
4. Government employee ID card
5. National Rural Employment Guarantee Act (NREGA) job card

Other documents:

1. Self-attested recent passport size photograph of the applicant
2. Self-attested copy of a valid photo identity document and address proof
3. Self-attested copy of the latest salary slips or income tax returns or Form 16

Credit cards make payments easy for all expenses online and offline while offering various benefits

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