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Balance Transfer

Balance Transfer: Move other credit card outstandings to HSBC at  lower interest

Balance Transfer-on-EMI

Balance Transfer-on-EMI is a facility that allows you to transfer the outstanding balance from your other bank credit cards to your HSBC Credit Card and repay it in easy monthly installments at a lower interest rate.

  • Choose between loan tenure options of 6, 12, 18 and 24 months
  • Rate of interest between 15% to 21% p.a
  • Processing fee on Balance Transfer : 1% to 1.50% (subject to minimum of INR 149)
  • You can contact HSBC Phonebanking to check your eligibility for Balance Transfer on EMI


Sample calculation of Monthly installment for INR 1,000
Tenure option Rate of Interest (p.m.) Monthly Installment Per Rs. 1000
6 months 1.25% Rs. 174
12 months 1.25% Rs. 90
18 months 1.50% Rs. 64
24 months 1.50% Rs. 50

Balance Transfer on EMI - Terms and conditions apply

Incase you have availed of Perpetual Balance Transfer click here for Terms and conditions
(This facility is not offered to customers currently)

Apply Now

» Leave your contact details and our Customer Service Representative will help you apply for a Balance Transfer


Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India ("HSBC"). All features and benefits are subject to Terms and Conditions.