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HSBC Smart Value Credit Card

A credit card with money saving features and time saving services.

The HSBC Smart Value Credit Card is no longer for sale to new customers.

Enjoy cashback, rewards and more

With the HSBC Smart Value Card, you'll benefit from all a credit card can offer. Enjoy earning both cashback and rewards points, plus get access to useful credit card features. 

What you get with the HSBC Smart Value Credit Card

No joining or annual fees

Get your credit card without paying any joining or annual fees. 

Instalment plans

Attractive instalment plans at 10.99% per year for EMI products booked within the first 90 days of card issuance.

EMI options

Convenient EMI options that allow you to pay your credit card dues in Equated Monthly Installments (EMIs) such as Balance Transfer on EMI, Cash-on-EMI, or Loan-on-Phone.

Exclusive privileges you get with HSBC Smart Value

Earn 3X Rewards points

Get points on everything you spend

  • Earn 1 reward point for every INR100 you spend with your HSBC Smart Value Credit Card.
  • HSBC Smart Value cardholders get 3X the reward points on all spends on online, dining and telecom categories (capped at 1,000 incremental reward points per month).

Dynamic finance charge

  • Interest rates starting from 3.49% per month and going down to 1.99% per month based on credit history and repayment behavior.

Your Smart Value Credit Card also comes with

  • Fuel surcharge waiver
    Make annual savings of up to INR3,000 on fuel surcharges with our credit card waiver.
  • Offers and discounts
    HSBC credit card customers get exclusive access to discounts with our select partners.
  • Google Pay
    If you've got an Android mobile device, then you can use Google Pay for a fast, secure, and simple way to use your HSBC credit cards to pay online or in stores.
  • Balance transfer
    Transfer your outstanding credit card balance to an HSBC credit card to enjoy easy repayments at a lower interest rate.
  • Balance conversion
    Enhance the joy of a new purchase
  • Loan on phone
    Convert your purchases into affordable monthly instalments via the HSBC India Mobile Banking app.
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