HSBC Smart Value Credit Card

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

HSBC IN
Credit cards
Smart Value

Why choose 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.

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
Dynamic Finance Charge interest rates starting from 3.49% p.m., going down to 1.99% p.m. based on credit history & repayment behavior
3X rewards on online, dining and telecom categories
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).

Find out more about Rewards program

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

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 HSBC Smart Value Credit Card

Apply online

Apply now For an HSBC Smart Value Credit Card. This link will open in a new window

Useful information

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Important information

This Offer ('Offer') is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India ('Bank') and is made available on the website amazon.in or mobile site or mobile application thereof (collectively, 'Amazon.in') by Amazon Pay (India) Private Limited ('Amazon') and any participation is voluntary.
Offer Terms and Conditions ('Offer Terms') are in addition to the amazon.in 'Conditions of Use & Sale' and 'Privacy Notice' to which you agree to, by using amazon.in and Terms and Conditions of HSBC Credit Cards. In the event of any conflict between the Conditions of Use & Sale and these Offer Terms, these Offer Terms will prevail, only for the purposes of this Offer.
This Amazon e-Gift voucher offer is provided by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) to Resident Indian customers (hereinafter referred to as "credit card applicant") who have participated in the offer. Each qualifying credit card applicant who has completed Video KYC is entitled to an Amazon e-Gift voucher of INR250 (Offer).
The offer is valid for successful completion of Video KYC after completing online credit card application by self during the period 15th February 2021 to 30th June 2023 (Offer Period).
This is a limited period Offer and HSBC in its sole discretion reserves the right to alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this Offer by another Offer, whether similar to this Offer or not, or to withdraw it altogether at any point in time by providing appropriate intimation to the Cardholder.
The Amazon e-Gift voucher (WinPin code) will be sent to your email ID provided in the online credit card application, within 45 days of end of the offer i.e. 14th August 2023.
All decisions with respect to the Offer shall be at the sole discretion of HSBC and the same shall be final, binding and non-contestable. Other than the specific entitlements available to the Cardholders under this Offer, any other claims with regard to this Offer against HSBC are waived.
Credit card applicants are not bound in any way to participate in this Offer. Any participation is voluntary and the Offer is being made purely on a best effort basis.
Nothing herein amounts to a commitment by the Bank or Amazon to conduct further, similar or other Offers.
Issuance of the credit card is at the sole discretion of the Bank and is subject to the Bank's internal approval norms.
By participating in this Offer, every credit card applicant expressly agrees that Bank and Amazon will not be liable or responsible for any loss or damage whatsoever that a Cardholder may suffer , directly or indirectly, in connection with the Offer including but not limited to that associated with his/her use or delivery or misuse of the Product(s). The existence of any dispute shall not, by itself, constitute any claim against HSBC.
The Bank does not make any warranties or representations as to the quality, merchantability, suitability or availability of the product and services offered under these Offers. Any dispute regarding these must be addressed in writing, by the Cardholder, directly to Amazon.
Prior to using the Amazon website and/or the mobile app, the Cardholder should refer, read, understand, accept and agree to the user agreement and Terms and Conditions of the said website and the mobile app, and proceed only if the Cardholder agrees to abide by the same. The Cardholder will be required to give personal information and other details online. The Cardholder should read and understand the privacy policy of the website and the mobile site, prior to providing any such information. Any disclosure of information made by the Cardholder towards availing of or fulfilment of the Offer is at the sole discretion of the Cardholder and the Bank shall not be responsible for the same. Amazon may use the personal information shared by the Cardholder for any other purpose (like marketing, etc.) and the Bank will not be held liable for such usage of personal information by Amazon Products offered under this Offer are subject to availability with Amazon and HSBC will not be liable for non-availability of any of the products.
The Offer is subject to force majeure events.
These Offer Terms are governed by the laws of India and the courts at Mumbai will have exclusive jurisdiction over any matters/disputes arising out of or in relation to these Offer Terms.
Any person availing this Offer will be deemed to have accepted these Offer Terms.

Voucher Terms and Conditions:

The E-Gift Voucher is valid for a period of 6 months from the date of issuance.
E-Gift Voucher cannot be reloaded, resold, transferred for value or redeemed for cash.
E-Gift Voucher cannot be used to purchase other gift card.
E-Gift Voucher cannot be used on any of the partner sites including Junglee.com.
E-Gift Voucher cannot be used to purchase any other type of digital content such as apps.
E-Gift Voucher cannot be transferred from one account to another once the claim code has been added.
Amazon may change (add to, delete, or amend) these terms from time to time. Unless stated otherwise, the changes will apply to any new Amazon E-Gift Voucher that are for personal, non-commercial use and enjoyment only. The same may be shared with family and friends, but may not be advertised, sold or used as promotional items by the purchaser or anyone else without Amazon's prior written consent.
Amazon E-Gift Voucher cannot be replaced, refunded or revalued. It cannot be exchanged for points or cash and cannot be re-validated.
HSBC does not make any warranties or representations as to the quality, merchantability, suitability or availability of the products or services offered under this Offer. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the products/services availed under this Offer must be addressed in writing, by the customer directly to amazon.in.
Tax liability, if any, will be borne by the Cardholder.
By using the E-Gift Voucher, the Cardholders shall be deemed to have accepted all the aforementioned Terms and Conditions in totality.

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.