- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 Reward Points for every Rs. 100 spent on retail transactions and 3x RPs on dining, telecom categories, and all online spends.
- Welcome benefits
3 complimentary airport lounge access, an Amazon gift voucher worth Rs. 500, 10% cashback up to Rs. 1,000, and 50% discount on Google Pay.
- Reward redemption
You can redeem the reward points via the HSBC Rewards portal with the value of 1 Reward Point = up to Re. 0.35.
Fees & charges
- Rewards redemption fee
Rs. 50 per redemption request.
- Foreign currency markup
3.5% on all foreign currency transactions.
- Interest rates
1.99% to 3.49% per month.
- Fuel surcharge waiver
1% fuel surcharge waiver on all fuel transactions.
- Cash advance charges
2.5% of the withdrawn amount subject to a minimum of Rs. 500.
Product highlights
- Lifetime free credit card.
- 10% cashback up to Rs. 1,000 within the first 30 days of card membership.
- Earn up to 3 Reward Points on every spend of Rs. 100 using the HSBC Smart Value Credit Card.
- Complimentary airport lounge access as an introductory offer.
- Amazon gift voucher worth Rs. 500 as a welcome benefit.
- Variable interest rates.
- Cashback offers on achieving monthly spend milestones.
- 1% fuel surcharge waiver.
FAQs
What is the validity of reward points I earn using HSBC Smart Value Credit Card?
The Reward Points you earn using your HSBC Smart Value Credit Card are valid for 2 years from the date of accrual.
What is the minimum eligible age to apply for a credit card?
The minimum eligible age to apply for the HSBC Smart Value Credit Card is 18 years.
How many Reward Points do I earn on online spends using this credit card?
With the HSBC Smart Value Credit Card, you get 3 Reward Points on every spend of Rs. 100 on online spends.
What is the interest rate on this credit card?
The interest rate on the HSBC Smart Value Credit Card may vary between 1.99% per month to 3.49% per month.