HSBC Bank Credit Card Offers

HSBC Credit Card Offers

Rewards, cash-back, discounts, gifts, and more; the HSBC credit card brings you more purchasing power than ever before. You can use your HSBC card around the globe to get benefits like bonus Air Miles, travel, shopping, and hotel discounts, waiver of surcharge on fuel purchase, and a lot more. Here is an insight into the power that HSBC credit card can bring into your hands.

HSBC credit card types

HSBC Bank offers you a Platinum and Smart Value card apart from the usual Master and Visa card. You can earn reward points on these cards almost every time you use them to make a purchase. Here is what you earn.

HSBC Credit Card Offers by Categories

Once you have earned the reward points, you can redeem them for gifts under various categories.

Gift Vouchers

Charities

Gift Categories

Benefits of HSBC Credit cards

Some unique benefits of the HSBC credit card are as follows:

• Worldwide acceptance: Did we mention that HSBC credit cards are accepted worldwide? No matter which corner of the world you find yourself in, you can find a store that takes an HSBC card – making it easier for you to shop.
• Free credit facility: Banks charge interest for allowing you to use their card to shop. With HSBC though, you get the first 52 days of use absolutely free. You can shop to your heart’s content at the merchant partners of HSBC and no interest will be charged on your credit card bill.
• Flyer Miles: If your work requires you to fly around the world – or even if you simply love doing that – your HSBC credit card will earn you a few free miles every time you step onto an aeroplane – of course provided you use your HSBC card to make the booking. The credit card will also open the doors of airport lounges – which can be a blessing when your flight is delayed.
• Cashback Advantage: High utility bills? Use your HSBC credit card to pay it off, and earn a cash-back – effectively reducing your bill. You can also get cash-back when shopping at several online stores.
• Bonus: HSBC charges a small fee for joining the credit card program but it more than offsets this fee with bonus gifts which it showers on you as a welcome offer.
• Loan Facility: If you are a loyal customer and pay your credit card dues regularly on time, you can avail loan without the hassle of a lengthy application and approval process. Just walk into any branch and flash your credit card. Of course you should have a clean slate – they will check this – when you apply for a loan.
• Opting EMI: If at any point you find it beyond your capacity to pay your credit card bill, you can convert the amount into a loan and pay it off in instalments.
• Reward Benefits: As we already mentioned, you can earn reward points every time you swipe your credit card to make a purchase. Once you have accumulated a substantial amount of points, you can exchange them for a hoard of gifts and products – look for a complete list elsewhere in the article – simply by calling the HSBC customer care number and speaking to a phone banker. Your chosen gift will be delivered at your doorstep.

Frequently Asked Questions

1. HSBC offers a lot of rewards, bonuses, and more on credit cards. How do I know my status at any point of time?

You will get an SMS each time you swipe the card and earn points. Make a note of the details from this SMS to keep track. You can also long onto the official website of the bank to check your status or call the customer care number and speak to a phone banker. You can also make a request to the phone banker to email you the latest statement.

2. Are there any fuel related rebates that are offered through the HSBC Credit Cards?

Yes, there is a waiver on fuel surcharge at all petrol pumps across India. To avail the waiver, your transaction amount must be between Rs. 400 to Rs. 4000 and you must have a monthly billing of at least Rs. 250. The monthly billing is computed on calendar month.

3. What is “Free Credit Period” and what are the benefits under it?

Free credit period is the duration for which HSBC do not charge any interest on the amount you spend using your credit card. Free credit period is offered as a welcome gift to every card holder for a period of 52 days from date of activation of card. If you happen to delay payment – of the base amount – during this period, you will lose the benefit of free credit.

4. What are the modes through which I can make my HSBC Credit Card Bill Payments?

You can make payment by logging into your HSBC net-banking account. You can also log into the net-banking of any other bank and make your credit card bill payment. The HSBC mobile banking app also has an option for payment of credit card bills. And of course the conventional methods such as check drop and ECS are always available. One more option is to step into an HSBC ATM kiosk and make payment via the ATM. Finally you can walk into any branch of HSBC bank and request a staff member to help you with making the payment.

About HSBC

HSBC ranks among the top players in the Banking and Finance sector. It has a strong market hold as far as personal and corporate banking is concerned – not only within India but overseas too. The bank has more than 4000 branches across 70 odd countries offering a variety of financial products and services.