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HSBC Smart Value Credit Card

A card with special money saving features and time saving services.
HSBC Smart Value Credit Card

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).

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:

  1. Cash-on-EMI
  2. Balance transfer
  3. Loan-on-phone
  4. Balance conversion
  5. Instant EMI

Alliance offers

Please visit for other offers on your HSBC Credit Card.

Apply for HSBC Smart Value Credit Card

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HSBC Visa Platinum Credit Card

Nil joining and annual fees.

HSBC Premier Mastercard Credit Card

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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 for details.

Offers and rewards

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Spend on things you love and be rewarded.

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Explore extensive range of reward options.

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Explore the latest offers and discounts.

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