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HSBC Smart Value Credit Card

A card with with special money saving features and time saving services Apply Now For a Smart Value Credit Card

Why choose a Smart Value card?

Different people look at our credit cards differently. With special money saving features and time saving services, it could mean 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 up to ₹1000
  • Attractive Instalment plans at 10.99% p.a. for EMI products booked within first 90 days of card issuance - Applicable for 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
  • ₹200 BookMyShow voucher on spending more than ₹15,000 a month
  • 3X rewards on Online, Dining & Telecom

Fees and charges:

  • No joining fees 
  • ₹499 annual fee (waived off for annual spends of ₹50,000 or more). Amazon voucher worth ₹500 on payment of annual fee 

Ways to open:

Online, Branch, Phone

 

Introductory benefits

Issuance benefits

  • Get ₹200 BookMyShow voucher within 60 days of issuance of the card. Voucher validity - 30 days from the date of dispatch of the communication with the voucher details
  • Gaana+ subscription for 3 months within 60 days of issuance of the card. Voucher validity - 30 days from the date of dispatch of the communication with the voucher details

Welcome benefits

  • Get ₹2000 Cleartrip voucher & ₹250 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 ₹5,000 or more during the first 60 days of issuance subject to a maximum cashback of ₹1000. 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 for Loan on Phone, Balance Transfer on E.M.I. & Cash on E.M.I.

Exclusive Privileges

Entertainment offer

Get a BookMyShow voucher worth ₹200 on spending over ₹15,000 in a calendar month. Cardholders can receive vouchers worth up to a maximum of ₹1200 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 ₹100 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 1000 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. Annual fees of ₹499 (Waived off for annual spends of ₹50,000 or more). If the cardholder is levied the annual fees, he/she will receive ₹500 worth Amazon Gift Voucher.

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

  1. Dining offers: Up to 15% discount at over 1000 restaurants across the country
  2. Shoppers Stop: 10% discount on your HSBC card at Shoppers Stop and Home Stop
  3. Goibibo Treatful Tuesday: 16% off on domestic flights & 40% off on domestic hotels every Tuesday
  4. BookMyShow: Buy 1 Get 1 Movie Ticket Free on BookMyShow.com

 

Apply for a HSBC Smart Value Credit Card

Want to talk?

Call or email us today, or SMS: Value to 575750

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Special money saving features and time saving services

Designed to suit your needs and ensure a privileged lifestyle

Enjoy a host of offers ranging from travel privileges to dining, shopping and more

Important Information

Other Terms & 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.