Terms and Conditions

  1. ELIGIBILITY :
  • The HSBC Rewards Programme is open to all HSBC primary credit cardholders.
  • Credit cardholders are eligible for the programme only as long as their credit card accounts and all linked accounts are valid and in good standing, i.e. there is no amount overdue.
  • The credit cardholder cannot transfer Reward points to another cardholder. The credit cardholder can, however, combine Reward points of his/her multiple credit cards at the time of redemption.
  1. THE REWARDS PROGRAMME :
  • Eligible credit cardholders of HSBC will earn reward points as given below
    • HSBC Classic cardholders will earn 1 Reward point for every purchase of Rs. 250
    • HSBC Gold cardholders will earn 1 Reward point for every purchase of Rs. 100
    • HSBC Platinum credit cardholders will earn 2 Reward points for every purchase of Rs. 150
    • HSBC Premier credit cardholders will earn 2 Reward points for every purchase of Rs. 100
  • Reward point expiry will follow a Rolling Expiry system with a Reward point validity period of 2 years for Gold & Classic credit cards and 3 years for Platinum & Premier credit cards. If the Reward point validity on your card is 2 years, the Reward points earned during the 1st year of card membership, if not redeemed, will expire at the end of the 2nd year of card membership, Reward points earned during the 2nd year of card membership, if not redeemed, will expire at the end of the 3rd year and so on. The 1st year of card membership begins from the date of credit card issuance. For instance, for a card issued on 10 Mar 2007, the Reward points earned from 10 Mar 2007 to 10 Mar 2008, if unredeemed, will expire on 31 Mar 2009.
  • Reward points will be offered only for purchases made on the credit card.
  • Reward points will not be offered on fuel purchases where the surcharge is waived. Purchases where the surcharge is not waived will earn Reward points. Fuel surcharge waiver is applicable on fuel purchases between Rs. 400 and Rs. 4000 at any pump in India or according to any such criteria as decided by HSBC from time to time.
  • Cash advances, any fees/charges and disputed transactions will not accrue Reward points.
  • Purchases on add-on credit cards will accrue Reward points which will be credited to the primary cardholder's card account. Only the primary credit cardholder can redeem Reward points.
  • For credit cardholders other than Premier and Platinum credit cardholders, all unredeemed Reward points accrued in a two year period will expire at the end of that period, the first two year period beginning on the date of credit card issuance or 15 June 2000, whichever is later
  • For Premier and Platinum credit cardholders, the unredeemed Reward points accrued in a year will expire three years after the beginning of that year, the first year beginning on the date of credit card issuance or 15 June 2000, whichever is later.
  • The accumulated Reward points have to be redeemed by the credit cardholder within one month of the end of the point accrual period, failing which the points will be dropped off the credit card account.
  1. REDEMPTION :
  • Reward points can be redeemed against Annual Fees, Gift Vouchers, Gifts, Charities, and Airline Miles by the primary cardholder only. Reward points cannot be exchanged for cash or credit or used to obtain cash advances, or used against payments of any charges.
  • Handling charges for redemption of Reward points, at Rs. 50 per redemption shall apply for HSBC Gold & Classic credit cards.

Annual Fees:

  • Credit cardholders can redeem their Reward points to pay their annual credit card renewal fees for their primary credit card or additional credit card.

Gifts:

  • Credit cardholders have the option of redeeming their Reward points against the goods listed in the Rewards catalogue.
  • Redemption against goods is subject to the availability of stocks. In the event of non -availability or discontinuance of any product, HSBC reserves the right to substitute an item with another brand/ product of equivalent monetary value.
  • HSBC makes no warranties or representations either expressed or implied, with regard to the type, quality or fitness of the goods provided through the Rewards Programme. Gifts will be accompanied by warranty information from the manufacturer and claims must be directed to the manufacturers directly.
  • Any dispute arising out of products and services found defective or deficient must be addressed to Manager, HSBC Card Products Division, Post Bag No. 5080 Chennai – 600 028 in writing within 7 days of receipt.

Gift Vouchers:

  • Credit cardholders have the option of redeeming their Reward points against the Gift Vouchers listed in the Rewards catalogue.
  • Gift Vouchers cannot be exchanged for cash (in part or in full).
  • HSBC does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Rewards Programme.
  • All disputes in this regard shall be taken up directly by the credit cardholder with the participating establishment.
  • Gift vouchers to be utilised within the validity period only. Revalidation of vouchers will not be possible.
  • Any disputes arising out of merchant vouchers that are defective or deficient in number must be addressed in writing to Manager, HSBC Card Products Division, Post Bag No. 5080 Chennai - 600 028 within 7 days of receipt. Any claims made after 7 days shall not be entertained and the HSBC Cardholder shall be deemed to be satisfied with the vouchers.

Airline Miles:

Jet Airways -

  • This facility is open to all generic HSBC globally valid credit cardholders, who are eligible for Rewards Programme.
  • All terms and conditions of HSBC's Rewards Programme are applicable, unless otherwise mentioned.
  • Jet Privilege is a Frequent Flier programme run by Jet Airways and the membership points are termed as JPMiles.
  • For any conversion request to JPMiles, cardholder's JP account will be credited in approximately 7 working days from the date of receiving the request. Whilst HSBC shall endeavor to execute all conversion requests within this period, HSBC shall not be liable in any way for any delay in crediting the JP account.
  • JP membership is offered free as part of the promotion scheme run by Jet Airways and can be discounted at the sole discretion of Jet Airways.
  • HSBC shall not be liable in any way for any issues related to cardholder's Jet Privilege membership and its associated privileges.
  • This facility has been included in the regular Rewards redemption options on HSBC credit card and can be discontinued at the sole discretion of HSBC.

Kingfisher Airlines -

  • This facility is open to all generic HSBC valid credit cardholders, who are eligible for Rewards Programme
  • King Club is a Frequent Flier programme run by Kingfisher airlines and the membership points are termed as King Miles
  • HSBC credit cardholders have the option of redeeming their Reward points against King Miles
  • For every 2 Reward points redeemed, the HSBC credit cardholder will get 1 King Mile
  • King Miles membership is offered free as part of the promotion scheme run by Kingfisher airlines and can be discounted at the sole discretion of Kingfisher airlines
  • For any conversion request to King Miles, the cardholder's King Miles account will be credited in approximately 4 weeks from the date of receiving the request. Whilst HSBC shall endeavour to execute all conversion requests within this period, HSBC shall not be liable in any way for any delay in crediting the King Miles account
  • The King Miles earned from transfer of Reward points into to King Miles may be redeemed only for Kingfisher tickets
  • HSBC shall not be liable in any way for any issues related to cardholder's King Club membership and its associated privileges
  • This facility has been included in the regular Rewards redemption options on HSBC credit card and can be discontinued at the sole discretion of HSBC
  • All terms and conditions of HSBC's Rewards Programme are applicable, unless otherwise mentioned

Singapore Airlines -

  • HSBC Credit cardholders have the option of redeeming their Reward points against KrisFlyer Miles, being membership points under the Frequent Flier programme run by Singapore Airlines. The HSBC Rewards Programme is open to all HSBC credit cardholders, excluding corporate cardholders.
  • All terms and conditions of HSBC's Rewards Programme are applicable, unless otherwise mentioned.
  • For any conversion request to KrisFlyer Miles, the cardholder's KrisFlyer account will be credited in approximately 7 working days from the date of receiving the request. Whilst HSBC shall endeavor to execute all conversion requests within this period, HSBC shall not be liable in any way for any delay in crediting the KrisFlyer account.
  • HSBC shall not be liable in any way for any issues related to the cardholder's KrisFlyer membership and its associated privileges
  • This facility has been included in the regular Rewards redemption options on HSBC credit card and can be discontinued at the sole discretion of HSBC.
  1. CHARITIES :
  • Credit cardholders have the option of redeeming their Reward points against donations to the charitable organisations / NGOs listed in the Rewards catalogue.
  • HSBC will transfer the donation amount to the selected charities / NGOs within three weeks of receiving the redemption request.
  • Tax exemption certificates on charities will be sent directly by the charities to cardholders donating their reward points for charities. Cardholders must contact the charities directly for issues relating to their tax exemption certificates.
  • Any disputes arising out of such donations shall be taken up by the cardholder directly with the charities / NGOs.
  1. JET AIRWAYS VOUCHERS :
  • This facility is open to all generic HSBC valid credit cardholders, who are eligible for the HSBC Rewards Programme
  • Jet Airways Vouchers cannot be exchanged for cash (in part or in full).
  • These vouchers are subject to following Terms and Conditions as stipulated by Jet Airways ( India) Limited
  • The vouchers will be valid for a period of 12 months from the date of issue, and revalidation of vouchers will not be possible under any circumstances.
  • It is mandatory to fill in the name of the person travelling in the voucher before handing it over to the ticketing counter and only one name can be mentioned on the voucher.
  • This voucher is not transferable.
  • Ticketing must be done only at Jet Airways ticketing locations and not any other source.
  • The voucher value is INR 2000. If the gross fare of air ticket is lower than the voucher value, passenger will have to forfeit the balance amount. If the gross fare of air ticket is greater than the voucher value then the balance amount is paid by passenger against any credit card/debit card or cash. Balance amount of air fare cannot be paid through travel agent.
  • This voucher shall not be replaced for any reason whatsoever, including loss, theft, etc. and no claim in this regard shall be entertained by the Bank or Jet Airways.
  • The refund against unused voucher is not allowed. Once the tickets are issued refund is not allowed against such tickets for any reason.
  • Jet Airways' terms and conditions applicable on the tickets purchased through this voucher, contract of carriage on reservations made, and fares charged on the ticket shall apply.
  1. TAJ INNERCIRCLE PROGRAMME :
  • This programme is open to all credit cardholders (Cardholder) of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC), who are eligible for HSBC's Rewards Programme (Programme), and are members of the Taj Innercircle programme.
  • All terms and conditions of Programme are applicable, unless otherwise mentioned.
  • Taj InnerCircle Programme is the frequent guest programme of the Taj Hotels Resorts and Palaces (Taj). Besides a host of benefits, as a member of Taj Innercircle programme the Cardholder will earn points when he / she stays or stops by for a meal at one of the restaurants, at the participating Taj Hotels in India and abroad. The Cardholder will earn points on his / her eligible spends on room, food and beverage, laundry, telephone and business centre. These points are called Taj Innercircle Points (Points).These Points can be redeemed for holidays and memorable meals at the Taj and for gifts from a hand-picked selection of merchandise.
  • For any conversion request to the Points, Cardholder's Taj Innercircle account will be credited in approximately 7 working days from the date of receiving the request. Whilst HSBC shall endeavor to execute all conversion requests within this period, HSBC shall not be liable in any way for any delay in crediting the Cardholder's Taj Innercircle Points account.
  • HSBC shall not be liable in any way for any issues related to the Cardholder's Taj Innercircle membership and its associated privileges.
  • HSBC shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered as a result of availing of the benefits under the programme.
  • The offers under the Programme are not transferable, non-negotiable and cannot be encashed. HSBC does not make any warranties or representations about the quality, merchantability, suitability or availability of the products / services included in this Programme or about Taj. HSBC is not liable for any defect or deficiency in the product or service obtained / availed under this Programme and all disputes in this regard should be taken up directly with Taj.
  • This programme has been included in the regular Rewards redemption options on HSBC credit card and can be discontinued at the sole discretion of HSBC.
  • Any disputes arising out of this offer shall be subject to the exclusive jurisdiction of courts in Mumbai. The existence of any dispute shall not, by itself, constitute any claim against HSBC.
  • HSBC reserves its absolute right to withdraw or alter any of the terms and conditions of the Programme at any time without prior intimation to the Cardholders.
  1. REDEMPTION PROCESS :
  • Redemption of Reward points is not automatic. Credit cardholders will have to fill in the redemption form and mail it to: HSBC Card Products Division, Post Bag No. 5080, Chennai – 600 028, or fax it to 044 4291 0964.
  • Credit cardholders can also visit www.hsbc.co.in or use the Phone Banking facility to redeem their points.
  • Redemption requests will not be serviced if the redemption form is not fully and correctly filled up before submission.
  • Credit cardholders cannot redeem their Reward points against outstandings on their credit card.
  • Redemption of gifts and gift vouchers is subject to availability.
  1. FULFILLMENT :
  • Any redemption request received by HSBC will be fulfilled within six weeks time from the date of receipt. Whilst HSBC shall endeavour to take prompt action in every case, HSBC shall not be liable in any way for any delay. Whilst HSBC shall endeavour to take prompt action in every case, HSBC shall not be liable in any way for any delay.
  1. DELIVERY :
  • Delivery will be made only at the billing statement address. A copy of the Proof of Delivery (POD) can be obtained from HSBC, if requested, within 30 days of the delivery date.
  • Delivery will be made only against written acknowledgement of receipt of the goods by any occupant at the billing statement address. Such acknowledgement shall be deemed to be acknowledgement of the credit cardholder.
  • No delivery will be made to P.O. Box addresses or to addresses outside India.
  • HSBC or a third party service provider such as a courier company shall make three attempts to deliver the goods ordered to the billing statement address. If the goods are not delivered after three attempts, the Bank will hold the goods for 15 days from the date of the third attempt. If the credit cardholder does not contact the Bank within these 15 days, the Bank shall credit the credit cardholder's account with the Reward points used for those goods.
  • If a gift should arrive damaged, and:
    • If the damage is evident from the condition of the packaging, the credit cardholder should refuse the shipment and obtain a refusal note from the courier company and send it to the Manager, HSBC Card Products Division, Post bag No. 5080, Chennai – 600 028.
    • If the damage is discovered after opening the package, the credit cardholder should keep all packaging materials and cartons and return all the material to the Manager, HSBC Cards Products Division. If the returned goods are found by HSBC to be defective or not to comply with the description in the Rewards catalogue, HSBC shall in their best endeavour procure replacements for the items and if not, shall credit the credit cardholder's account with the points used for those items. The credit cardholder shall thereafter have no claim whatsoever against HSBC.
  1. WITHDRAWAL :
  • HSBC reserves the right to wholly or partly modify the Rewards Programme. HSBC also reserves the right to change the Reward point conversion rate, withdraw Reward points awarded or to vary any of the terms and conditions herein in its absolute discretion and without prior notice to credit cardholders.
  • In case this Rewards Programme comes in conflict with any rule, regulation or order of any statutory authority, then HSBC has absolute authority and right to modify or cancel this programme to give effect to the said requirements.
  1. GENERAL :
  • Fraud and abuse relating to earning and redemption of Reward points in the Rewards Programme will result in forfeiture of accrued points as well as termination of the credit cardholder's credit card account.
  • Information supplied by the credit cardholder on the redemption of certain products/services may be used by HSBC or its service establishments for administrative or marketing purposes.
  • For redemption requests using the points + pay option, the cardholder’s account will be debited with the amount indicated and will reflect in the cardholder’s subsequent card statement.
  • The Rewards Programme is entirely voluntary and it is understood that all charges are voluntarily incurred by the credit cardholder in the normal course of credit card usage.
  • Any tax or other liabilities or charges payable to the Government or any other authority or body or any other participating establishment which may arise or accrue to the HSBC credit cardholders by redemption as aforesaid or otherwise as result of this Rewards Programme shall be borne by the HSBC credit cardholder.
  • Terms and conditions stated herein do not amount to any commitment or representation by HSBC to conduct such programmes.
  • Selection of the products / services offered under the Rewards Programme will be at the sole discretion of HSBC and are liable to change without notice.
  • HSBC assumes no responsibility for the Reward points converted into a participating partner's loyalty programme or for actions of any participating merchant or any other partner in connection with the Rewards programme or otherwise.
  • In the event of the HSBC credit card being voluntarily closed by a credit cardholder, the Reward points that are in the credit card account can be redeemed within one month of card closure. In case the credit cardholder fails to redeem these points within one month of closure, the Reward points will automatically lapse.
  • In case of a disputed transaction being resolved in the favour of the credit cardholder and/or where a transaction is reversed, the equivalent Reward points will also be reversed.
  • Reward points which have been credited or debited to or from the credit cardholder's account shall be reflected in the following month's statement issued by HSBC to the credit cardholder.
  • On redemption, the Reward points will automatically be subtracted from the accumulated points in the credit cardholder's credit card account.
  • Redemption orders once given to HSBC cannot be cancelled, withdrawn or changed. Redeemed rewards are not exchangeable for other rewards or refundable, replaceable or transferable for cash or credit under any circumstances. Reward points once exchanged for any other partner's loyalty programme cannot be transferred or cancelled.
  • HSBC will not be held responsible if any supplier of products / services offered to credit cardholders withdraws, cancels, alters or amends those products/ services.
  • HSBC is not responsible for lost or stolen coupons / vouchers / certificates redeemed through the Rewards Programme. HSBC and its agents are not responsible for any orders not received, due to correspondence lost or delayed in the mail.
  • HSBC's decision on computation of Reward points on the credit card account will be final, conclusive and binding on the credit cardholder and will not be liable to be disputed or questioned.
  • The existence of a dispute, if any, with a third party shall not constitute a claim against HSBC.
  • Any disputes arising out of this programme shall be subject to the exclusive jurisdiction of the competent courts in Mumbai only.
  • The terms and conditions of the Rewards Programme shall be governed by the provisions of Indian law.


All queries / disputes arising out of this programme shall be referred to:

Manager
HSBC Card Products Division
Post Bag No. 5080
Chennai - 600 028

Privacy and Security   |   Terms of Use   |   Hyperlink Policy
© Copyright 2012. The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India). Incorporated in Hong Kong SAR with limited liability. All rights reserved.