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Why upgrade to HSBC Advance?

HSBC Advance helps you think about your money in a new way. By giving you the information and tools you need to plan the next stage of your financial life, HSBC Advance assists you to get where you want to be.

Eligibility

Maintain a Total Relationship Balance (TRB)*** of Rs. 3 lakh (Rupees three lakh only) in a combination of Savings Account Balances, Term Deposits, holdings in Demat Account held with HSBC India, Investments1 and Life Insurance2 through HSBC India including a minimum average quarterly balance of Rs. 50,000 in the HSBC India Advance savings / current account
OR
Have a Mortgage relationship** of Rs. 15 lakh (Rupees fifteen lakh only) or more with HSBC India
OR
Hold a Corporate Salary Account under HSBC's Corporate Employee Programme in India, with a net monthly salary credit of Rs. 50,000 (Rupees fifty thousand only) or more* into the account.
OR
Hold a Smart Money facility with a minimum fixed deposit of Rs. 500,000.

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How does the process work?

Find out how easy it is to upgrade - Submit the upgrade form to your nearest HSBC branch in India.

*** Calculation of TRB - Following will be included for calculating the TRB:
1. Savings account balances - Calculated basis Average Quarterly Balance held in the savings account.
2. Term deposits - Calculated basis Average Quarterly Balance held in term deposits.
3. Investments through HSBC India - Calculated basis Market Value or Net Purchase Value whichever is higher as on the last day of every calendar month.
Investments and services are subject to prevailing market conditions / external factors. HSBC India currently offers Investment Products from entities registered and regulated in India. These products are currently not available to HSBC Advance NRI customers residing in US, Canada, Australia and New Zealand. HSBC Advance NRI customers residing in countries like United Kingdom, Singapore, Hong Kong will be able to invest in these products through HSBC India when they are physically present in India.
4. Life insurance premium - Calculated basis Life to date (total) paid up premium for policies in force as on the last day of every calendar month.
Insurance is a subject matter of solicitation.
5. Demat holdings - Calculated basis Market Value of Holdings in HSBC Demat account as on the last day of every calendar quarter.

** Service charges related to non-maintenance of required TRB will be waived for the HSBC account/s which are linked to your mortgage relationship. This waiver will be valid throughout your mortgage relationship with HSBC. Pursuant to the termination of the mortgage relationship, the TRB requirements of HSBC Advance account will apply as per the applicable rules of HSBC India.

* Please note that waiver of charges related to non-maintenance of required TRB will be subject to you being an employee of the Corporate and your account receiving a net salary credit of greater than or equal to Rs. 50,000 for three consecutive calendar months. In case you do not meet this requirement, the account shall get redesignated to a regular HSBC Advance Account and the TRB requirements of HSBC Advance account will apply as per the applicable rules of HSBC India.

1Investments and services are subject to prevailing market conditions / external factors. The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India) currently offers Investment Products from entities registered and regulated in India. These products are currently not available to HSBC Advance NRI customers residing in US, Canada, Australia and New Zealand. HSBC Advance NRI customers residing in countries like United Kingdom, Singapore and Hong Kong will be able to invest in these products through HSBC India when they are physically present in India.

2HSBC India is a corporate agent (License Number 961387) of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited which offers and underwrites life insurance products. Insurance is the subject matter of solicitation.

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To become a HSBC Advance customer you need to meet our eligibility criteria.

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## Terms and conditions apply.
$ Investments and services are subject to prevailing market conditions / external factors.
† Terms and conditions apply. All loans at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. Loans available for applicants and properties in and around    the city limits of Mumbai, Pune, New Delhi (NCR), Bengaluru and Chennai and are subject to change from time to time.
^^ Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. All features and benefits are subject to Terms and Conditions.
# HSBC India currently offers Investment Products from entities registered and regulated in India. These products are currently not available to HSBC Advance NRI customers residing in US, Canada, Australia and New Zealand. HSBC Advance NRI customers residing in countries like United Kingdom, Singapore, Hong Kong will be able to invest in these products through HSBC India when they are physically present in India.
+ We wish to inform you that availing the International services facility for HSBC Advance requires HSBC India to share information with HSBC Group (HSBC Holdings PLC, its subsidiaries, associated and affiliated companies) relating to you / your accounts including without limitation, any personal information and other credit information maintained with or obtained by HSBC India (including those obtained from credit reference agencies) and other members of the HSBC Group.


 












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