HSBC Spencer's Happy Ties Card

HSBC and Spencer’s Retail bring to you the HSBC Spencer's Happy Ties Card, a global credit card that opens a world of privileges for you, wherever you go.

To apply, visit your nearest Spencer’s Retail store today!!

More Rewards points for shopping at Spencer’s Retail

Through our exclusive reward point programme, the more you spend, the more you save. For every Rs 100 spent at Spencer’s Retail stores using your HSBC Spencer's Happy Ties Card, you receive upto 14 reward points. This is not all, for every Rs 100 your charge to your credit card outside Spencer’s Retail stores – e.g. your usual spends like dining, travel etc – you receive upto 4 reward points.

These reward points can be easily redeemed for Spencer's Retail vouchers by calling our PhoneBanking Service Advisors.

Earning Reward points

HSBC Spencer's Happy Ties Classic Card

• Get 8 Reward points for every Rs 100 you spend at Spencer’s Retail stores
• Get 3 Reward points for every Rs 100 you spend elsewhere

HSBC Spencer's Happy Ties Gold Card

• Get 11 Reward points for every Rs 100 you spend at Spencer’s Retail stores
• Get 3 Reward points for every Rs 100 you spend elsewhere

HSBC Spencer's Happy Ties Platinum Card

• Get 14 Reward points for every Rs 100 you spend at Spencer’s Retail stores
• Get 4 Reward points for every Rs 100 you spend elsewhere

Redeeming Reward points

Your points are redeemable for Spencer’s Retail gift vouchers. You can redeem 400 points for a gift voucher worth Rs 100.

Click here to redeem your Reward points.

Complimentary Welcome Voucher on Joining

Get a complimentary welcome voucher of upto Rs 100 from Spencer’s Retail along with your credit card. The Gift Voucher is issued by Spencer’s Retail and will be governed by the Terms and Conditions mentioned on it. All queries and complaints pertaining to the issue/ redemption or terms governing the Welcome Voucher will have to be taken up directly with Spencer’s Retail and HSBC will not accept any liability pertaining to the same.

Special offers & privileges

Regular events & promotions

Lower your interest payments

Reduce your interest payments with our lower interest options:

• Balance Transfer
• Convert your purchases into EMIs with Loan on Phone

Online Access to your credit card account

Free 24x7 online access to your credit card account through HSBC Internet Banking. You can view unbilled transactions, previous statements and even pay your utility bills online for free.

Cash advance

Get instant access to cash, round the clock, at close to 1 million ATMs worldwide.

Additional credit cards

Gift your loved ones (spouse, parents, brothers/ sisters, children) the freedom of spending by availing of upto 2 additional cards.

Zero Lost Credit Card Liability Benefit

Credit cardholders have zero lost-credit card liability after the loss of the credit card has been reported to the Bank in writing or to the VISA Global Emergency Assistance Helplines. However, you will be liable for all charges incurred on your credit card before you report the loss of your credit card.

Please refer the Services Guide for Terms and conditions.

Global Access

• Get a cash advance at close to 1 million ATMs in India and overseas
• Withdraw cash from your HSBC Bank Account from any VISA ATM in India or overseas. You can also enquire about your balance, transfer funds from any HSBC ATM in India or overseas ^#
• The HSBC Spencer's Happy Ties Card is accepted at over 18 million establishments worldwide and over 100,000 establishments in India

24x7 customer access through Phone Banking

Access your credit card round the clock, 7 days a week. Click here to view the Phone Banking numbers.
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