
Why choose Smart Value Credit Card?
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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
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Dynamic Finance Charge interest rates starting from 3.49% p.m., going down to 1.99% p.m. based on credit history & repayment behavior
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3X rewards on online, dining and telecom categories
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Up to INR3,000 annual savings on fuel surcharge
Fees and charges:
- No joining fees
- Nil annual fees
Ways to open:
Online, branch, phone
- Win an Amazon e-gift voucher
Complete online credit card application and Video KYC to win an Amazon e-gift voucher (worth INR250). T&Cs apply.
Introductory offers
New credit card customers can receive following welcome privileges on transaction(s) of a minimum INR2,500 within 30 days of card issuance:
10.99% per annum for equated monthly installment
Please refer to footnote 1 application details
1 Applicable to loan on phone, balance transfer on EMI and cash on EMI within 90 days from the date of card issuance.
Exclusive privileges
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).
Other privileges
Dynamic Annualized Percentage Rate (APR)
The interest rate on the Smart Value Credit Card is dynamic, starting from 3.49% per month (41.88% 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 fees
Nil joining and annual fees.
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:
- Cash-on-EMI
- Balance transfer
- Loan-on-phone
- Balance conversion
- Instant EMI
Alliance offers
Please visit www.hsbc.co.in/credit-cards/offers/ for other offers on your HSBC Credit Card.
Apply for HSBC Smart Value Credit Card
Apply online
Useful information
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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

Credit cards rewards programme
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Rewards catalogue
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Credit card offers
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