HSBC Smart Value Credit Card

Why choose a Smart Value Credit Card?

Different people look at our credit cards differently. With special money saving features and time saving services, it could be the perfect way to save money for all the precious things you always desired or a convenient way to make time to do more. Get ready to enjoy more.
  • 10% cashback of up to INR1,000
  • Attractive instalment plans at 10.99% p.a. for EMI products booked within first 90 days of card issuance - applicable to loan on phone, balance transfer on EMI and cash on EMI
  • Dynamic Finance Charge interest rates starting from 2.99% p.m., going down to 1.99% p.m. based on credit history & repayment behavior
  • INR200 BookMyShow voucher on spending more than INR15,000 a month
  • 3X rewards on online, dining and telecom categories

Fees and charges:

  • No joining fees 
  • INR499 annual fee (waived for annual spending of INR50,000 or more.) Amazon voucher worth INR500 on payment of annual fee

Ways to open:

Online, branch, phone

Complete your credit card application online & win a BookMyShow e-gift voucher worth INR250. 

Terms and conditions apply.

Introductory benefits

Welcome benefits

  • Get INR250 Swiggy voucher on your first transaction.
  • Get INR2,000 Cleartrip voucher & INR250 Amazon gift voucher on first transaction of any amount within 30 days of credit card issuance. Eligible customers will receive the vouchers within 60 days after completion of 30 days from credit card issuance. The e-gift card is valid for a period of 6 months from the date of issuance.
  • Get 10% cashback for making a minimum of 5 purchase transactions, totalling to INR5,000 or more during the first 60 days of issuance subject to a maximum cashback of INR1000. Eligible cashback will be credited within 60 days after completion of 60 days from credit card issuance.
  • Attractive installment plans at 10.99% per annum for E.M.I. products booked within first 90 days of card issuance - applicable to loan on phone, balance transfer on EMI and cash on EMI.

Exclusive privileges

Entertainment offer

Get a BookMyShow voucher worth INR200 on spending over INR15,000 in a calendar month. Cardholders can receive vouchers worth up to a maximum of INR1200 in a calendar year (1st January to 31st December) under this offer. Eligible Cardholders will receive the voucher within 30 days from the end of the calendar month in which the transaction has been done. Each voucher is valid for 30 days from the date of dispatch of the communication with the voucher details.

Rewards program

  • Get 1 reward point for every INR100 spent. 
  • Reward points can be redeemed for a host of gifts and vouchers available on our rewards catalogue.
  • Reward points validity for 2 years.
  • Earn 3 Times Rewards (3X) on all spends on online, dining, and telecom categories. (Capped at 1,000 incremental Reward Points per month).

Find out more about the Rewards Program

Other privileges

Dynamic Annualized Percentage Rate (APR)

The interest rate on the Smart Value Credit Card is dynamic, starting from 2.99% per month (35.88% per annum) that can go down up to 1.99% per month (23.88% per annum) depending upon the customer's risk profile.


Rate of interest is subject to the Bank's periodic review post 6 months of card issuance and will be decided based on the performance of the customer on existing HSBC products and information related to other lending products, received from the credit bureau.

Nil joining fees

No joining fees. INR499 (waived for annual spending of INR50,000 or more.) If the cardholder is levied the annual fees, they will receive an Amazon gift voucher worth INR500.

EMI products on your card (low interest options)

Your HSBC Credit Card gives you a convenient way to manage your payments, transfer your balances on EMI and to borrow cash and repay in instalments at a lower interest rate. HSBC has a host of low interest EMI options to choose from:

  1. Cash-on-EMI
  2. Balance Transfer
  3. Loan-on-Phone
  4. Balance Conversion
  5. Instant EMI

Find out more about EMI options

Alliance offers

Please visit www.hsbc.co.in/credit-cards/offers/ for other offers on your HSBC Credit Card.

Apply for a HSBC Smart Value Credit Card

Useful links

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Important information

Other terms and conditions

The facility of accessing your Current / Savings Account with your credit card from HSBC will be provided only when specifically requested by you.

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

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India and is subject to terms and conditions and external and internal checks/verification. The above features and benefits are subject to terms and conditions. Please visit www.hsbc.co.in for details.

Offers and rewards

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Spend on things you love and be rewarded.

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Explore extensive range of reward options.

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Explore the latest offers and discounts.