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HSBC Advance Benefits

At HSBC, we'd never claim to play a starring role in your successes, but we're here to support them in every way we can.

Fast access and control of your money

As an HSBC Advance customer, you can do your day-to-day banking any time of the day or night. Enjoy higher cash withdrawal and transaction limits on your Debit card upon usage at VISA ATMs worldwide. Overseas withdrawal at HSBC ATMs come with no cash withdrawal charges (currency conversion charges1 as applicable). You can avail of International funds transfer between your HSBC accounts with a single login view of your accounts held with HSBC India and overseas.

Because if there's a way we can help, we will.

Swipe your way to benefits

HSBC Advance Platinum Debit Card

Get instant access to your bank whenever you need it. 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 ₹2,00,000each per day per account. The limit for cash withdrawal at non-HSBC Visa ATMs is ₹10,000 per transaction.

Offers

HSBC Advance Platinum Debit card comes with extra security.

  • Embedded Chip that protects your card from fraud.
  • ATM PIN verification for purchase transactions
  • 3-D Secure technology with One Time Password (OTP)
  • Verified by Visa (VbV) service for secure online transactions

Single login to your HSBC accounts worldwide

Global View and Global Transfers

When it comes to managing your finances globally, experience convenience at a click. Through Global View, link and manage your HSBC overseas accounts in a single login. You can also effect transfers between your accounts through Global Transfers3. The proceeds are credited to the beneficiary account within 2 working days

(The term 'working days' refers to days that are bank working days in both the country of remittance and India.)

Enhance your overseas experiences with HSBC Advance.

  • Online banking to access Global View and Global Transfer3.
  • Link and manage your HSBC accounts globally with a single login
  • Transfer3 funds between your global HSBC accounts.
  • A service charge of ₹310 (inclusive of applicable taxes $$) per transaction would be levied for every outward Global Transfer by HSBC India.
     

Loans to meet your financial needs

Home Loans4

Living under one's own roof gives eternal happiness and a sense of security. We make it easier for you to realize your dream with our Home Loans.

Take the first step to realizing dreams with HSBC Advance.

  • Home Loans ranging from ₹3,00,000 to ₹10,00,00,000
  • Tenures of upto 20 years
  • Salaried customers get loans for tenures upto 25 years
  • Loans to Resident Indians and NRIs for ready properties and select under construction properties approved by HSBC.
  • Balance Transfer from other financiers coupled with top up loan at attractive rates

Know more about HSBC home loans

Loan Against Property4

With Loan Against Property from HSBC, you can raise funds against your residential property for business and general needs.

Raise funds against your residential property to take care of your business / personal need.

  • Loan against Property ranging from ₹3,00,000 to ₹10,00,00,000
  • Tenures of upto 15 years

Know more about HSBC Loan Against Property loan

Personal Loans5

Make your dreams a reality. Plan a grand wedding, a holiday, a home makeover or children's education; Personal Loans from HSBC will help you meet your needs.

  • Personal Loans for ₹75,000 to ₹20,00,000
  • No requirement of collateral or guarantor
  • Flexible tenures of upto 5 years
  • Easy documentation, quick processing and disbursal

Know more about HSBC Personal Loans

Other Benefits

Free personalised payable-at-par cheque facility.

Payable at Par (PAP) cheques can be used for local as well as outstation clearing payments at HSBC branches in India. You can issue personalised payable at par cheques across our branch network and avoid making demand drafts for outstation payments to those locations where we have branches.

Monthly composite statements

Comprehensive statements on a monthly basis with a snapshot of your deposits, credit cards, loans, demat accounts, and the investments that are done through the HSBC India

Eligibility

You can enjoy the host of benefits of this account if you (Eligibility Criteria from 1 October 2017):

  1. Maintain a quarterly Total Relationship Balance (TRB) of ₹500,000 (Rupees five lakh only) in a combination of savings and current account balances, fixed deposits, holdings in demat account held with HSBC, investments and life insurance through HSBC India7, OR
  2. Have a mortgage relationship of ₹3,000,000 (Rupees thirty lakh only) or more with HSBC India7, OR
  3. Hold a corporate salary account under our HSBC's Corporate Employee Programme (CEP) in India with a net monthly salary credit of ₹50,000 (Rupees fifty thousand only) or more into the account and any one of the criteria mentioned below within 12 months of HSBC Advance classification8
  • Hold an active9 credit card with HSBC
  • Have a Home Loan or Personal Loan with us, where the EMIs are being debited from your Advance account10
  • Maintain a Total Relationship Balance (TRB) of ₹200,000

Apply for HSBC Advance

New to HSBC Advance

Apply for HSBC Advance using our simple online form

Already have HSBC Advance

Existing HSBC Advance customer contact us for enquiries

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Important Information

Terms & Conditions

The Bank will charge a cross currency conversion markup of 3.5% (Plus applicable taxes11 extra) on all international transactions (ATM & Point of Sale) using the HSBC Advance Platinum Debit Card

Local currency equivalent, if the card is defined for and is used internationally at Visa ATMs. 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. View detailed account rules and tariff schedule of HSBC Advance (PDF, 61KB).

Global 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 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 plus applicable taxes$$. Please click here for more details.

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 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 are subject to change from time to time. The loan amount may vary subject to conditions and other internal credit policy of HSBC. 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.

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 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.

The minimum and maximum loan depends on city of property and property type.

7 HSBC Advance customers need to fulfil either the HSBC Advance TRB or HSBC Advance mortgage criteria, failing which a quarterly Service Charge of 1% (plus applicable taxes11) of the shortfall of the TRB will be levied for the quarters in which the eligibility criteria is not met. A notification will be sent to customers in the month immediately following the end of the quarter, in case the account has had a shortfall. In the event the TRB is restored to the required level in the following quarter, there will be no charge. If there remains a shortfall, the Service Charge will be levied on the lower of the shortfalls in the two relevant quarters.

8 If this eligibility criteria is not met within 12 months of moving to Advance under the HSBC Corporate Employee Programme, the account will be reclassified to an HSBC CEP Personal Banking account after providing a notice period of 30 days.

9 Active credit card denotes customer initiated transactions in 90 days preceding the assessment date (the first assessment date being 30 September 2018).

10 This criteria will be valid for the life of the Mortgage or Personal Loan relationship with HSBC India. Pursuant to the termination of the mortgage or personal loan relationship, the TRB or the active credit card requirement of HSBC Advance under CEP will apply as per the applicable rules of HSBC India.

11 Please note that basis Goods and Services Tax (GST) regulations and notified GST rates, Central GST and State/Union Territory GST or Inter-State GST, as applicable, would apply on our fees and charges with effect from 1 July 2017.

Issued by The Hongkong and Shanghai Banking Corporation Limited, India. Incorporated in Hong Kong SAR with limited liability.