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Corporate Employee Programme

Corporate Employee Programme - Everything in life should do more than the expected. Including your salary account.

Corporate Employee Programme from HSBC

A comprehensive offering for your banking needs.

  • The Corporate Employee Programme (CEP) from HSBC is designed to empower and assist corporate employees in meeting their banking needs
  • It offers banking products and services to address the customer's varying needs effectively, efficiently and conveniently
  • This enables employees of an organisation to collectively leverage on the benefits offered through the Corporate Employee Programme
  • Our propositions - HSBC Advance, HSBC Savings account and HSBC Premier - are comprehensive and will help your employees to fulfil their financial needs

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Account Features

Account FeaturesKey features, benefits and waivers structured specifically for employees of your organisation

  • Minimum balance eligibility waived for CEP accounts receiving salary
  • Preferential rates on Home Loans
  • Preferential rates on Personal Loans
  • Multiple credit card offerings
  • HSBC Mobile Banking
  • Secured Internet Banking
  • PhoneBanking services with 24x7 emergency assistance
  • Dedicated Relationship Manager for your organisation
  • Personalised payable at-par cheque book
  • Online utility bill payment
  • Instant welcome packs: the cheque book, debit card and debit card PIN are handed over at the time of account opening
  • Dedicated CEP Service Desk (phone and e-mail services

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. The above benefits and waivers are subject to terms and conditions.

 

Dedicated CEP Service DeskDedicated CEP Service Desk

  • Corporate Employee Programme e-mail id: salaryaccounts@hsbc.co.in
  • SMS 'CORP' to 575750 and our representative will call you back
  • HSBC PhoneBanking
  • HSBC Branch Network

 

Dedicated CEP Service DeskChoice of Banking Relationships

  • HSBC Advance
  • HSBC Savings Account
  • HSBC Premier

We know that personal ambitions are nurtured by family, network of friends, contacts and colleagues that inspire you to keep aiming higher.

HSBC Advance

Your ambitions are likely to be achieved with the help of your support system. At HSBC, we would not claim to play a starring role in your successes, but we are there to help you in every way that we can. Together, We Advance.

Account FeaturesFast access and control of your money whenever you need it, wherever you are

  • Avail cash withdrawal at HSBC ATMs worldwide on your HSBC Advance Platinum Debit Card, with no cash withdrawal charges (currency conversion charges1 as applicable)
  • You can also avail of free cash withdrawals and balance enquiry transactions at HSBC and non-HSBC Visa ATMs and use your card at Point of Sale (POS) terminals in India
  • The transaction limits for withdrawal and POS is INR 100,0002 each per day per account
  • Additional security for POS transactions with Chip and PIN technology and for online transactions through Verified by Visa services
  • Global View3 and Global Transfers3 to link and manage all your HSBC overseas accounts through a single login
  • Monthly composite statements that offer you a consolidated snapshot of your deposits, credit cards, loans, demat accounts, and the investments done through HSBC India

Account FeaturesOnline and on your side

  • Access your account anytime with Internet Banking and conduct multiple transactions like transferring money, paying bills and checking your account balances
  • Check fixed deposit interest rates, pay your bills, transfer money within HSBC accounts or to accounts held with other banks, or locate HSBC ATMs with HSBC Mobile Banking
  • While you enjoy 24x7 access to your bank account, the security device enhances the security of your online transactions
  • Avail of 24x7 dedicated HSBC Advance PhoneBanking services

Account FeaturesFinancial expertise and support, tailored to your needs

  • Team of trained and accredited HSBC Advance Wealth Managers to help you manage your money
  • Wealth management solutions that include multiple investment4 and insurance5 products from our trusted partners
  • Goal Planner tool that offers you comprehensive financial analysis, risk profiling, tailored wealth solutions and financial planning reports
  • Wealth Dashboard and Retail Investment System (RIS) that provide the convenience to take informed financial decisions as you stay updated on the markets, and your investments through HSBC India
  • While travelling abroad, get emergency cash6 of upto USD 10,000 and emergency card replacement within 3 days

CEP eligibility criteria: Net monthly salary credit of INR 50,000 (Rupees fifty thousand) or more in your HSBC Advance CEP account. The information provided is intended as a general guide for reference. Benefits and features of HSBC Advance are subject to applicable terms and conditions. Please visit www.hsbcadvance.co.in for detailed information.

Account FeaturesEnjoy discounts and personalised rewards

  • Loyalty Programme7 earns you points on select banking transactions and debit card spends across more than 1,200 participating merchant partners
  • Benefits on your HSBC Advance Platinum Credit Card8 include:
    • – 3x rewards on online spends for the first 24 calendar months from the date of issuance of your credit card9 (on maximum spend of INR 400,000 )
    • – Upto 20% discounts on spends at select restaurants and lounges in India
    • – Fuel surcharge waivers at all fuel pumps across India
    • – 2 reward points for every INR 150 spent

CEP eligibility criteria: Net monthly salary credit of INR 50,000 (Rupees fifty thousand) or more in your HSBC Advance CEP account. The information provided is intended as a general guide for reference. Benefits and features of HSBC Advance are subject to applicable terms and conditions. Please visit www.hsbcadvance.co.in for detailed information.

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With a savings account from HSBC, we make planning for regular expenses convenient for you

HSBC Savings account

The HSBC Savings Account offers you products and services such as:

  • HSBC Debit Cards with access to HSBC Group ATMs and ATMs of other banks worldwide which are members of the Visa ATM network
  • Option to transfer extra savings from the savings account to a fixed deposit, through a cluster deposit facility#
  • Pay utility bills and conduct transfers through Personal Internet Banking
  • Manage your bank accounts on your smart phones and tablets with HSBC Mobile Banking
  • Personalised payable-at-par cheque book
  • Monthly e-statements

CEP eligibility criteria: A regular credit into the account is all that is required to be eligible for and HSBC Savings Account under Corporate Employee Programme offered by HSBC.
#For details on cluster deposits, please visit www.hsbc.co.in

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HSBC Premier

Your personal economy represents the health of your whole financial life.
It is unique to you, and incorporates all the things you value most – your family, your home, your passions, your work, your legacy. Your personal economy is completely interconnected and constantly changing. It requires care and attention to keep it in balance. HSBC Premier provides personal support for your personal economy in four unique ways;

Your Relationship Manager
A dedicated Relationship Manager creates a financial strategy designed just for you

Meeting your needs
Our Relationship Managers are measured on how well they meet your needs and how happy you are with their service

Anytime, anywhere
Your personal economy is always with you. So are we, providing support and whenever and wherever you need us

Preferential access
Access to the HSBC Premier MasterCard® Credit Card10 with some of the prestigious features and benefits that it offers

Eligibility criteria: Total Relationship Balance (TRB) of INR 2,500,000 (Rupees twenty five lakh) quarterly.
Please refer to Point no. 11 in 'Important Notes' section which is about the details on calculation of HSBC Premier TRB/Eligibility criteria.
For detailed information on the products and services, eligibility criteria, user guides, terms and conditions, account rules and tariff of charges pertaining to HSBC Premier,
please visit www.hsbcpremier.co.in

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Loyalty Programme from HSBC

HSBC in association with Pinpoint India Pvt. Ltd., presents a Loyalty Programme. Through this programme, eligible HSBC Debit Cardholders can earn reward points known as ‘Extra points’ on certain banking transactions and on HSBC Debit Card spends at participating merchants.

  • Earn 'Extra Points' for select banking transactions such as online bill payment, update of contact details and, also on the usage of your HSBC Debit Card at 1,200 participating 'Extra' merchants
  • Redemption options are available across categories like dining, shopping, travel and lifestyle
  • For detailed terms and conditions, please visit www.hsbc.co.in/loyalty

 

Dedicated CEP Service DeskA World of Convenience

With choice from Home Loans to Personal Loans to credit cards, you can turn your dreams into reality.

  • Mortgages
  • Personal Loans
  • SmartMoney Account facility
  • Credit Cards

 

Dedicated CEP Service DeskSmart Home from HSBC

A Home Loan that enables you to save on interest payments and thereby reduce the tenure of the loan.

  • Your Smart Home is operated through a Smart Home account that acts as a current account with an overdraft limit equal to the amount of the loan disbursed. Your Smart Home account would be your loan account
  • All you need to do is to put your usual savings, in the Smart Home account. Depending on the savings that you put in the Smart Home account, you can reduce the quantum of interest paid and thereby reduce the tenure of your loan
  • The principal on which your loan interest is calculated, is the principal outstanding minus the savings you have deposited in your Smart Home account every month, over and above your Equated Monthly Instalment (EMI)

All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC).

The example below shows, how the potential reduction in interest amount payable works by depositing an additional amount of INR 17,500 in the Smart Home account over and above the applicable EMI over a period of 20 years.

Loan details Regular Home Loan Smart Home
Loan amount (INR) 5,000,000 5,000,000
Interest rate (p.a.)* 11% 11.50%
Original loan tenure (month) 240 240
EMI (INR) 51,609 54,083
Actual EMIs paid 240 126
Total interest (INR) 7,386,261 3,686,716
Savings on interest (INR)   3,699,544 (50%)

*Interest rates are merely indicative, which can change from time to time depending on market conditions. The interest rate on your floating rate loan is linked to HSBC's base rate. Any revision in the base rate would impact your interest rate.

Note: The above table and graph are based on interest rates which are subject to change and which may not apply to your loan. The computation in this document is based on simulated figures and a number of underlying assumptions.

All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC).

 

Dedicated CEP Service DeskLiving under one's own roof gives eternal happiness and a sense of security.

We make it easier for you to realise this dream by offering Home Loans12.

  • Loans are available to Resident Indians for ready properties, select under construction properties approved by HSBC, purchase of plot of land, self-construction and home improvement
  • Loan amount ranging from INR 300,000 to INR 100,000,000
  • Maximum loan tenure 25 years for salaried applicants and 20 years for self-employed applicants

    Purpose Sourcing City Min. Loan Amount (Home Loan) Min. Loan Amount (Smart Home) Max. Loan Amount
    Purchase of ready and under construction property Mumbai, New Delhi (NCR) INR 500,000 INR 500,000 INR 100,000,000
    Bengaluru, Chennai, Pune, Ahmedabad, Chandigarh, Jaipur, Hyderabad INR 300,000 INR 500,000 INR 75,000,000

All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC).


 

Dedicated CEP Service DeskWith Loan Against Property (LAP)12 from HSBC you can raise funds against your residential property for business and general needs.

Purpose Sourcing City Min. Loan Amount (Loan Against Property) Min. Loan Amount(Smart LAP) Max. Loan Amount
Loan against Property Mumbai, New Delhi (NCR) INR 300,000 INR 500,000 INR 100,000,000
Bengaluru, Chennai, Pune, Ahmedabad, Chandigarh, Jaipur, Hyderabad INR 300,000 INR 500,000 INR 75,000,000

All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC).

 

Dedicated CEP Service DeskPersonal Loans from HSBC

When expenses arise, like your daughter's marriage, furnishing your home, higher education for your children or a family holiday you can turn to Personal Loans13 from HSBC.

  • The maximum loan amount that can be availed under Personal Loan is INR 1,500,000. Select customers may be eligible for loans upto INR 2,000,000 based on internal credit policy of HSBC
  • Preferential pricingM
  • No guarantor required

Personal Loans are available in the cities of Mumbai, Delhi, Pune, Kolkata, Bengaluru, Hyderabad, Ahmedabad, Jaipur, Chandigarh, Chennai, Thiruvananthapuram, Cochin, Baroda and Ludhiana only and are subject to change from time to time.

All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC).

The loan amount may vary subject to conditions and other internal credit polity of HSBC.

 

Dedicated CEP Service DeskSmartMoney Account Facility

A combination of a fixed deposit and a savings/current account, the SmartMoney Account facility lets you enjoy returns on a fixed deposit and retain the liquidity and flexibility to help meet your financial needs:

  • A minimum fixed deposit of INR 25,000
  • Withdraw upto 90% through an overdraft facility
  • Pay interest only on the amount overdrawn, while you earn interest on the fixed deposit

The set up of the SmartMoney Account facility is subject to terms and conditions.
Please visit www.hsbc.co.in for more details on the SmartMoney Account facility.

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Credit Cards

Every time you use your card, you take back delightful experiences with you. With your HSBC Advance Platinum Credit Card8, you can redeem rewards points earned on your purchases, access instant cash globally, get an emergency card replacement within 3 working days, enjoy global recognition and many more benefits.

A journey of rewarding experiences with a swipe.

  • Get 2 reward points for every INR 150 spent
  • Reward points validity for 3 years
  • Get 3 Times (3x) rewards on online spends for the first 24 calendar months from the date of issuance of your credit card9
  • The above feature is applicable on HSBC Advance Platinum Credit Card issued from 4 August 2014 Credit Cards
  • Get 5 Times (5x) Rewards on subsequent purchases made after crossing spend amount of INR 400,000 in a year upto a maximum spend of INR 1,000,000 in a year
  • The regular reward points for eligible transactions will be credited to the credit card account and will reflect in the credit card statement when the transaction is posted on HSBC systems while the extra reward points will be credited at the end of the month and reflect in the next month's credit card statement
  • Once the Cardholder becomes eligible for the 5 Times rewards offer, the 3 Times rewards offer will cease Annual fee: Nil
  • Joining and Annual fee: Nil

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India.
All features, benefits and offers are subject to terms and conditions. Please visit www.hsbc.co.in for multiple credit card offerings available to you.
Please visit www.hsbc.co.in for multiple credit card offerings available to you.

 

Dedicated CEP Service DeskEnhanced Security

HSBC Debit and Credit Cards provide enhanced security based on the following features:

'Chip and PIN' feature

  • Embedded Chip to protect your card from fraudulent usage
  • ATM PIN verification for your purchase transactions at merchant establishments on Point of Sale (POS) terminals

3-D Secure (3DS) technology

  • An added layer of security for online debit and credit card transactions through OTP (One Time Password) authentication
  • Verified by Visa (VbV) service for secure online transactions

Wealth Management

Account FeaturesFor HSBC Premier and HSBC Advance Customers

We believe in building a relationship with you that enriches every other relationship in your life, which is why we provide financial opportunities that help you to manage and potentially grow your wealth. HSBC Wealth Management4 is built around 3 pillars.

Gaining Customer Insight
Our financial planning tool called 'Goal Planner' will help you to manage your financial needs

Connecting to Global opportunities
We are backed with global research capabilities in wealth management which enable us to offer products that seek to capitalise on opportunities beyond local markets

Providing wealth management solutions suited to customer needs.
We offer suitable solutions based on your individual needs, risk appetites and investment objectives namely:

  • Protection for your family
  • Education planning for your children
  • Retirement planning
  • Managing and growing wealth

For more information, contact your CEP Relationship Manager.

 

Dedicated CEP Service DeskOffers

HSBC Advance Platinum Credit Cards
Get 10% cashback14 on all purchases within 90 days of card issuance upto INR 3,000 on spending INR 10,000 or more.

  • The cashback offer has been provided to New to Bank (NTB) HSBC Advance Platinum Credit Cardholders who have applied for or have been issued an HSBC Advance Platinum Credit Card under this offer on or after 10 April 2014 to 31 December 2014
  • The Cardholders will be entitled to 10% cashback in the first 90 days of issuance of the credit card on a minimum spend of INR 10,000 subject to a maximum of INR 3,000 as cashback (Offer)

Personal Loans Balance Transfer
Transfer your Personal Loan15 at attractive interest rate16 of 12% p.a. with nil processing fees. Special benefits on balance transfer of Personal Loans15:

Loan amount Interest rate16
INR 1,500,000 and above 12% p.a.
Upto INR 1,500,000 12.50% p.a.

Offer valid for all eligible applications received from 25 August 2014 to 30 November 2014.

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) and is subject to terms and conditions and external and internal checks/verification.

Important Notes :

Please note that in order to avail of the Corporate Employee Programme from HSBC, your organisation should have a minimum of 10 employees and there should be a formal acceptance of the Corporate Employee Programme offer made to the organisation by The Hongkong and Shanghai Banking Corporation Limited, India (hereinafter referred to as HSBC).

By virtue of meeting the 'eligibility' criteria, the employees of the corporate can open accounts under the Corporate Employee Programme (CEP) offered by HSBC, and avail of a waiver on the applicable Total Relationship Balance (TRB) or Average Monthly Balance (AMB), on category of the accounts availed. Please note that the waiver of charges related to non-maintenance of required Total Relationship Balance (TRB) or Average Monthly Balance (AMB) will be subject to the employee being a part of the corporate and the account under CEP receiving a salary credit for three consecutive calendar months as mentioned above.

Please note that the waiver of charges related to the non-maintenance of required Total Relationship Balance (TRB) or Average Monthly Balance (AMB) is not applicable to HSBC Premier. Customers are required to maintain the applicable HSBC Premier TRB criteria in order to avoid charges on non-maintenance of the Premier TRB.

In case the employee(s) do not meet this requirement, the TRB/AMB requirements of the account availed will apply as per the rules of HSBC. Service charges towards other banking transactions may also be applicable as per the Tariff Schedule of the relevant account offered by HSBC. Please visit www.hsbc.co.in for details of the HSBC account service charges.

*For SMS sent from Monday to Saturday, before 5 PM, the call back would be within 1 hour.

For SMS sent from Monday to Saturday after 5 PM or on Sundays and days which are holidays, the call back would be on the next working day.

1HSBC will charge a cross currency conversion markup of 3.5% (Service Tax extra) on all international transactions (ATM and Point of Sale) using the HSBC Advance Platinum Debit Card. A transaction fee is applicable for balance enquiry transactions at HSBC ATMs outside India. A transaction fee is also applicable for withdrawals and balance enquiry transactions at non-HSBC ATMs outside India. All cash withdrawals overseas must be strictly in accordance with the Exchange Control Regulations of the Reserve Bank of India. The aggregate expenses (i.e. through cash/traveller's cheques/your bank accounts) should not exceed the limit set by RBI, as prevailing from time to time. For detailed account rules and Tariff Schedule of HSBC Advance, please visit www.hsbcadvance.co.in

2Local currency equivalent, if the card is defined for and is used internationally at Visa ATMs.

3Global View and Global Transfer – These services are available in selective countries only and will be rolled out to more countries in due course. For detailed terms and conditions and list of countries, visit www.hsbcadvance.co.in. In India, these services are subject to applicable restrictions under the Foreign Exchange Management Act, 1999.
Global Transfers − Subject to local regulation. Global Transfers from India using HSBC’s Internet Banking services are only permissible through Non-Resident External (NRE) accounts. All foreign currency transactions through HSBC India are subject to Service Tax

4HSBC currently offers investment products from third party entities registered and regulated in India. Mutual fund investments are subject to market risks. Please read, the Scheme Information Document (SID), Statement of Additional Information (SAI), Offer document, Key Information Memorandum (KIM) and addendums, as applicable, issued from time to time, carefully before investing.
Wealth management services are offered to HSBC Premier and HSBC Advance customers only.

5Insurance is the subject matter of solicitation. The Hongkong and Shanghai Banking Corporation Limited, India (Licence Number: 961387) whose registered office is at 52/60, M. G. Road, Fort, Mumbai-400 001, is the Corporate Agent of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited. The Hongkong and Shanghai Banking Corporation Limited, India does not underwrite the risk or act as an insurer. The insurance products are offered and underwritten by Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (Regn. No.136), Unitech Trade Centre, Sushant Lok, Phase-1, 2nd Floor, Sector-43, Gurgaon-122 009, Haryana, India. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

6Under emergency assistance offered by HSBC Advance, you may borrow a maximum of upto USD 10,000 upon application and deposits/accounts assessment by HSBC. Funds will only be provided in countries where HSBC is located and where you present adequate identification (such as your passport). Any funds made available by HSBC are provided subject to terms and conditions and is subject to legal and regulatory requirements. Terms and conditions apply. Emergency encashment service is subject to local laws and regulations.

7Loyalty Programme is subject to terms and conditions. Please visit Personal Banking section on our website www.hsbc.co.in for details

8Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) and is subject to terms and conditions and external and internal checks/verification

9Subject to terms and conditions. Please visit "Preferential rates and rewards" section of our website www.hsbcadvance.co.in for details.

10Issuance of HSBC India's Premier Mastercard Credit Card is subject to local regulations and is at the sole discretion of HSBC India. A waiver of joining fees and annual fees is available on your primary card as well as on any add-on cards. Other charges apply.

11 HSBC Premier customers in India are required to meet the Total Relationship Balance (TRB) criteria of INR 2,500,000 (Rupees twenty five lakh) quarterly. Calculation of HSBC Premier Total Relationship Balance (TRB) is based on the following:
1. Average quarterly balance held in your HSBC Savings/Current account(s)
2. Average quarterly balance held in your HSBC Fixed Deposits.
3. Investments* - market value or net purchase value, whichever is higher as on the last day of every calendar quarter.
4. Life-to-date (total) paid-up Life insurance** premium for policies in force as on the last day of every calendar quarter.


Market value of Demat holdings in the depository account held with HSBC India as on the last day of every calendar quarter.

The above can also include balances maintained by your family members# in their HSBC Premier Accounts, subject to the accounts being categorised as part of a single relationship. In case you are an HSBC Premier customer in any other country$ and meet the Premier minimum balance requirement as may be applicable in that country, you are entitled to receive HSBC Premier services in India and the quarterly TRB applicable will be waived.
Please feel free to contact your Premier Relationship Manager to build your relationship value with the Bank, to enable you to meet the Premier TRB threshold and continue to avail of HSBC Premier services.

*HSBC currently offers investment products from third party entities registered and regulated in India. Mutual fund investments are subject to market risks. Please read, the Scheme Information Document (SID), Statement of Additional Information (SAI), Offer document, Key Information Memorandum (KIM) and addendums, as applicable, issued from time to time, carefully before investing. Wealth management services are offered to HSBC Premier and HSBC Advance customers only.

**Insurance is the subject matter of solicitation. The Hongkong and Shanghai Banking Corporation Limited, India (Licence Number: 961387) whose registered office is at 52/60, M. G. Road, Fort, Mumbai-400 001, is the Corporate Agent of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited. The Hongkong and Shanghai Banking Corporation Limited, India does not underwrite the risk or act as an insurer. The insurance products are offered and underwritten by Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (Regn. No.136), Unitech Trade Centre, Sushant Lok, Phase-1, 2nd Floor, Sector-43, Gurgaon-122 009, Haryana, India. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

#Family members' in HSBC Premier is defined as any of the following relatives: spouse, partners, any dependents, sons, daughters, children with legal guardianship of eligible HSBC Premier customers.

$Applicable in countries or locations where HSBC Premier is offered. Please refer to www.hsbc.co.in for the complete list of such countries. To enjoy these benefits, you are required to fulfill the eligibility requirements of HSBC Premier on a continuing basis.

12 All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC). The loan amount may vary subject to conditions and the internal credit policy of HSBC. Currently Home Loan is available to applicants and for properties in and around the city limits of (sourcing cities) Mumbai, New Delhi (NCR), Bengaluru, Pune, Chandigarh, Jaipur, Ahmedabad, Chennai and Hyderabad; and the same are subject to change from time to time. Terms and conditions apply. Please visit Home Loans and Loans against Property sections on our website www.hsbc.co.in for detailed terms and conditions.

13 All loans are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC). Personal Loans are available in the cities of Mumbai, Delhi, Pune, Kolkata, Bengaluru, Hyderabad, Ahmedabad, Jaipur, Chandigarh, Chennai, Thiruvananthapuram, Cochin, Baroda and Ludhiana only and the same are subject to change from time to time.

Terms and conditions apply. Please visit Personal Loans section on our website www.hsbc.co.in for detailed terms and conditions.
14HSBC Terms and Conditions for Introductory offer:
  • The cashback offer has been provided by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC/Bank) to its New to Bank (NTB) HSBC Advance Platinum Credit Cardholders (hereinafter referred to as 'Cardholders') who have applied for or have been issued a HSBC Advance Platinum Credit Card (Credit Card) under this offer on or after 10 April 2014 to 31 December 2014. Participation in the offer is voluntary. This offer is for Resident Indian customers only
  • This offer is also applicable to existing HSBC Credit Cardholders who have applied for an upgrade to new HSBC Advance Platinum Credit Card
  • The Cardholders will be entitled to 10% cashback in the first 90 days of issuance of the credit card on a minimum spend of INR 10,000 subject to a maximum of I(NR 3,000 as cashback (Offer)
  • This is a limited period Offer and HSBC in its sole discretion reserves the right to add, alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this programme by another programme, whether similar to this programme or not, or to withdraw it altogether at any point in time by providing appropriate intimation
  • Under this Offer, the Cardholder will not be eligible for the fuel surcharge waiver benefit
  • Eligible cashback amount will be credited within 30 days after completion of 90 days from card issuance. The eligible cashback amount will be credited to the credit card account of the customer
  • Cardholders are required to fulfil the respective spending requirements within 90 calendar days of the date of issuance of the new credit card. The amount spent is calculated based on the spending of INR made by the newly approved credit card and refers to all types of sales transactions (including but without limitation, cash advances, bill payments, online purchases, mail and telephone orders and insurance payments). Non-sales transactions, including but without limitation, finance charges, cash advance charges, late charges, balance transfer or annual fees are not included
  • Cancelled or refunded transactions are also not included in the spending amount calculation
  • As a part of credit card application procedure, we will require your recent passport size photograph; PAN card copy, address proof and self-attested copy of your valid photo identity document. You will be contacted for collection of these documents. The documents submitted along with the application will be kept with the Bank for record purposes and will not be returned
  • Issuance of the credit card is at the sole discretion of the Bank and is subject to the Bank's approval criteria
  • Interest needs to be shown and express consent must be provided in writing/calling on the toll free number or by providing an SMS to be called in relation to the Offer
  • By showing interest by any of the above modes such as in writing/calling on the toll free number or by providing an SMS, explicit and express consent shall be provided to HSBC (including its representatives, group companies and service providers) to be called on the contact number provided in relation to the HSBC Credit Card irrespective of whether forming a part of National Do Not Call Registry/Do Not Call Registry/National Customer Preference Register
  • All conditions of the HSBC Credit Card issuance shall apply. Please visit www.hsbc.co.in for detailed terms and conditions. Issuance of the card will be at the sole discretion of HSBC
  • The offer is subject to force majeure events
  • Tax liability, if any, will be borne by the Cardholder
  • Disputes, if any, arising out of or in connection with or as a result of above Offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only
  • By participating in this Offer, the customers shall be deemed to have accepted all the aforementioned terms and conditions in totality

15 The loan amount may vary subject to conditions and other internal credit guidelines of HSBC India.

16 The interest rate of 12% p.a. will be applicable only to Resident HSBC customers transferring their existing Personal Loan and availing Personal Loan of greater than or equal to INR 1,500,000. Resident HSBC customers who will transfer their existing Personal Loan and avail Personal Loan of less than INR 1,500,000 will be eligible for an interest rate of 12.5% p.a (Offer).