Enjoy cashback, rewards and more
What you get with the HSBC Smart Value Credit Card
No joining and annual fees
Get your credit card without paying any joining or annual fees.
Attractive instalment plans at 10.99% per year for EMI products booked within the first 90 days of card issuance.
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
- 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 waiverMake annual savings of up to INR3,000 on fuel surcharges with our credit card waiver.
- Offers and discountsHSBC credit card customers get exclusive access to discounts with our select partners.
- Google PayGoogle Pay is a fast, secure and simple way to use your HSBC credit cards to pay in apps and in stores using an Android device.
- Balance transferTransfer your outstanding credit card to a single HSBC credit card for easy repayments at a lower interest rate.
- Balance conversionMake clearing off your credit card easier with a balance conversion.
- Loan on phoneConvert your purchases into affordable monthly instalments via the HSBC India mobile banking app.
Things you should know
Explore our other cards
HSBC Premier Mastercard
Earn when you spend, see the world and get lifestyle privileges with the HSBC Premier Mastercard.