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HSBC Bank Credit Cards
HSBC is a multinational banking and financial services company has around 4000 offices in 70 countries. It is the world’s sixth largest public company according to the composite measure by Forbes magazine. HSBC Bank provides tailor made products to satisfy each and every customer requirement which can clearly be seen in their credit card offers.
Types of Credit Cards Offered by HSBC Bank
HSBC Bank offers multiple types of credit cards like
Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by HSBC Bank in this category are.
HSBC Platinum Card
With HSBC Platinum Credit Card you can earn 2 reward points per Rs. 150 spent. You can earn EXTRA points when you shop at participating EXTRA partners that can be redeemed for gifts. You can also get 15% in major cities at participating restaurants which makes this card a great option.
Why choose HSBC Bank Credit Cards
HSBC Bank provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.
Apply for HSBC Bank Credit Card
Knowing the need of the customer and making it comfortable for them HSBC Bank provides multiple ways by which an individual can apply for a credit card.
Apply for HSBC Bank credit card online
HSBC Bank Website
You can go to HSBC Bank website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you make sure your card application is not rejected and thus your credit score is not affected.
HSBC Bank Credit Card Eligibility and Documentation
EligibilityThere are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are
| Age | Minimum 21 years Maximum 65 years |
| Nationality | Indian |
| Employment Type | Salaried or Self-employed |
| Employment status | Employed/In-business for at least 1 yr. and at least 6 months with current employer/business |
| Minimum Income | This varies from card to card, but minimum salary required is Rs.3 lakhs per annum |
| Credit Score | Preferred 750 |
These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.
Documentation
The documentation required for an HSBC Bank Credit Card is very simple and straightforward. You will require the following:
- 2 passport size color photos
- AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
- Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
- Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
- Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16
HSBC Bank Credit Card Benefits & Features
Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you
1. Sign on bonuses: Some of the credit cards from HSBC Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.
2. Rewards: Reward points are offered for any transaction that is made using your HSBC Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.
3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your HSBC Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.
4. Cashback: Some HSBC Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.
5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.
6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and know every feature available.
7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.
8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.
9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.
Thus, credit cards provide a card holder a plethora of benefits.
HSBC Bank Credit Card FAQ
1. What is the eligibility criteria for getting a HSBC Bank Credit Card?
You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.
2. How to do HSBC Bank credit card bill payment?
You can pay the bill on the HSBC Bank website by logging into their internet banking portal or you can download their mobile app which also has the option of HSBC credit card bill payment. The offline method is where you can pay your bill at any HSBC Bank branch.
3. Why was my HSBC Bank credit card application rejected?
It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact HSBC Bank credit card customer care for further information.
4. How can I check my credit card usage?
You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.
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How to Apply for HSBC Credit Card?
