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.
10% cashback of up to INR1,000
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 and cash 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 INR 3,000 annual savings on fuel surcharge
Fees and charges:
- No joining fees
- Nil annual fees
Ways to open:
Online, branch, phone
3 complimentary airport lounge access at domestic & international lounges or 3 meal-vouchers*
* For the use at airport restaurants in India
50% discount (up to INR100) on first transaction on Google Pay
up to INR1,0001
10.99% per annum for equated monthly installment
Please refer to footnote 2 application details
1 Cardholders have to make at least 5 eligible transactions with a total spending of INR5,000 minimum within first 60 days from the date of card issuance. Eligible cashback will be credited within 60 days after completion of 60 days from credit card issuance.
2 Applicable to loan on phone, balance transfer on EMI and cash on EMI within 90 days from the date of card issuance.
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 and annual fees.
Please visit www.hsbc.co.in/credit-cards/offers/ for other offers on your HSBC Credit Card.
New to Bank Credit Card Application- communication Terms and conditions
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.