HSBC Bank
HSBC, also known as Hong Kong and Shanghai Banking Corporation, is one of the world’s biggest banks. It was founded in 1865 and has its main office in London, UK. Over the years, it has built a strong presence across Asia, Europe, the Middle East, and the Americas. In India, HSBC is a well-recognized foreign bank. It offers many services like savings and current accounts, fixed deposits, loans, insurance, investments, and credit cards. The bank mainly focuses on people who want premium services, global access, and reliable banking support. One of the biggest advantages of HSBC is its international reach. If you are someone who travels or works abroad, HSBC gives you the convenience of using your account or credit card in multiple countries with ease. It also provides strong customer service, secure digital banking, and rewards programs, making it a trusted choice for professionals, NRIs, and frequent travelers.
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HSBC Live+ Credit Card
Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).
1.5% unlimited cashback on most other spends.
Type
Cashback Credit Card
Interest Rate
3.49% per month (41.88% annually)
10
Cashback Rate
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HSBC Premier Mastercard Credit Card
Reward System: Users will earn 3 reward points for every INR 100 spent, 1 reward point = 1 Airmile (for more than 20 Airlines).
1 Reward point = INR 1 for redemption against Apple products.
Reward point cannot be redeemed against credit card statement or for cash.
Type
Shopping Credit Card
Interest Rate
2.49% per month (or 29.88% annually)
0.7
Cashback Rate
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HSBC TravelOne Credit Card
Reward system: Cardholders can earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency, capped at 50,000 reward points a month and earn 2 reward points for every INR100 spent on anything else, with no cap. These reward points can be converted into air miles at a ratio of 1:1.
Cardholders will save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip.
Type
Travel Credit Card
Interest Rate
3.75% per month 45% p.a.
Cashback Rate
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HSBC Taj Credit Card
Users will earn 1.5 reward points for every INR 100 spent on standard purchases,
The value of 1.5 reward points is INR 1.
General Cashback Rate: 1%.
Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows with a
Special Cashback Rate: 3.33%.
Type
Premium Credit Card
Interest Rate
3.75% per month 45% p.a.
Cashback Rate
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HSBC Visa Platinum Credit Card
The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.
Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
Type
Lifestyle Credit Card
Interest Rate
3.49% p.m. (41.88% p. a.)
1.33
Cashback Rate
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HSBC Live+ Credit Card
Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).
1.5% unlimited cashback on most other spends.
Type
Cashback Credit Card
Interest Rate
3.49% per month (41.88% annually)
10
Cashback Rate
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HSBC Premier Mastercard Credit Card
Reward System: Users will earn 3 reward points for every INR 100 spent, 1 reward point = 1 Airmile (for more than 20 Airlines).
1 Reward point = INR 1 for redemption against Apple products.
Reward point cannot be redeemed against credit card statement or for cash.
Type
Shopping Credit Card
Interest Rate
2.49% per month (or 29.88% annually)
0.7
Cashback Rate
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HSBC TravelOne Credit Card
Reward system: Cardholders can earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency, capped at 50,000 reward points a month and earn 2 reward points for every INR100 spent on anything else, with no cap. These reward points can be converted into air miles at a ratio of 1:1.
Cardholders will save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip.
Type
Travel Credit Card
Interest Rate
3.75% per month 45% p.a.
Cashback Rate
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HSBC Taj Credit Card
Users will earn 1.5 reward points for every INR 100 spent on standard purchases,
The value of 1.5 reward points is INR 1.
General Cashback Rate: 1%.
Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows with a
Special Cashback Rate: 3.33%.
Type
Premium Credit Card
Interest Rate
3.75% per month 45% p.a.
Cashback Rate
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HSBC Visa Platinum Credit Card
The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.
Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
Type
Lifestyle Credit Card
Interest Rate
3.49% p.m. (41.88% p. a.)
1.33
Cashback Rate
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Bank/CC Company
Forex Markup
Interest Rate
Cashback Rate
HSBC Bank
3.5% + GST on all foreign currency spends
Interest Rates: 3.49% per month (41.88% per annum)
Cashback Rate
MyRupaya Ratings :-
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HSBC Live+ Credit Card
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Cashback Rate
Cashback Rate
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Bank/CC Company
Forex Markup
Interest Rate
Cashback Rate
HSBC Bank
<p class="font_8">1.99% of the transaction amount</p>
Interest Rates: 2.49% per month 29.88% p.a.
Cashback Rate
MyRupaya Ratings :-
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HSBC Premier Mastercard Credit Card
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Cashback Rate
Cashback Rate
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Bank/CC Company
Forex Markup
Interest Rate
Cashback Rate
HSBC Bank
<p class="font_8">3.50%</p>
3.75% per month 45% p.a.
Cashback Rate
MyRupaya Ratings :-
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HSBC TravelOne Credit Card
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Cashback Rate
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Bank/CC Company
Forex Markup
Interest Rate
Cashback Rate
HSBC Bank
<p class="font_8">NIL</p>
Interest Rates: 3.75% per month 45% p.a.
Cashback Rate
MyRupaya Ratings :-
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HSBC Taj Credit Card
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Cashback Rate
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Bank/CC Company
Forex Markup
Interest Rate
Cashback Rate
HSBC Bank
3.50% on all international spends
Interest Rates: 3.49% per month (41.88% per annum)
Cashback Rate
MyRupaya Ratings :-
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HSBC Visa Platinum Credit Card
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Cashback Rate
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HSBC Premier Mastercard Credit Card
NIL
HSBC Taj Credit Card
INR 1,10,000
HSBC TravelOne Credit Card
INR 4,999, waived upon spending INR 8,00,000 in a year.
HSBC Visa Platinum Credit Card
NIL
HSBC Live+ Credit Card
INR 999 + GST
Top 5 Credit Cards Of HSBC Bank
HSBC Premier Mastercard Credit Card
Reward System: Users will earn 3 reward points for every INR 100 spent, 1 reward point = 1 Airmile (for more than 20 Airlines).
1 Reward point = INR 1 for redemption against Apple products.
Reward points cannot be redeemed against a credit card statement or for cash.
HSBC Taj Credit Card
Users will earn 1.5 reward points for every INR 100 spent on standard purchases,
The value of 1.5 reward points is INR 1.
General Cashback Rate: 1%.
Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels, and amã Stays & Trails bungalows with a
Special Cashback Rate: 3.33%.
HSBC TravelOne Credit Card
Cardholders can earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency, capped at 50,000 reward points a month and earn 2 reward points for every INR100 spent on anything else, with no cap. These reward points can be converted into air miles at a ratio of 1:1.
Cardholders will save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip.
HSBC Visa Platinum Credit Card
The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.
Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
HSBC Live+ Credit Card
Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).
1.5% unlimited cashback on most other spends.
HSBC Live+ Credit Card
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Joining Fees: NIL
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Interest Rate: 3.49% per month (41.88% per annum)
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Welcome Benefits: Users will get Rs 1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend Rs 20,000 within the first 30 days of getting the card and an Rs 250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
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Cashback Rate:
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Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).
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1.5% unlimited cashback on most other spends. The HSBC Live+ Credit Card is designed for people who enjoy shopping, dining, and entertainment in their daily lives. With this card, you can earn rewards whenever you spend on things like food, clothing, or lifestyle purchases. One of the key highlights of this card is that it gives higher cashback and offers on dining and online spending. This makes it very useful for young professionals, students, or anyone who often spends on eating out, movies, or online shopping. Overall, the HSBC Live+ Credit Card is a good option if you want simple rewards on everyday expenses and some extra benefits when you use it for lifestyle-related spending. It combines convenience with savings, making it a handy card for regular use.
HSBC Premier Mastercard Credit Card
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Joining Fees: NIL
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Interest Rate: 2.49% per month, 29.88% p.a.
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Welcome Benefit: Epicure membership with offers and benefits across Taj hotels. Taj Experiences gift card worth Rs 12,000. Complimentary EazyDiner Prime annual membership.
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Cashback Rate:
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Reward System: Users will earn 3 reward points for every INR 100 spent, 1 reward point = 1 Airmile (for more than 20 Airlines).
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1 Reward point = INR 1 for redemption against Apple products.
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Reward points cannot be redeemed against a credit card statement or for cash.
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The HSBC Premier Mastercard Credit Card is made for people who want premium services and global benefits. It is not just a regular card, but one that offers special privileges, especially if you travel frequently or spend time in different countries. With this card, you can enjoy airport lounge access, exclusive offers on dining, shopping, and travel, as well as enhanced security when making international payments. Since HSBC is a global bank, the card is accepted worldwide, which makes it very useful for frequent travelers, NRIs, or business professionals. In short, the HSBC Premier Mastercard Credit Card is a good choice if you want comfort, global access, and extra rewards along with a trusted banking experience. It is especially helpful for people who often move between countries and want smooth banking everywhere.
HSBC Taj Credit Card
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Joining Fees: INR 1,10,000
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Interest Rate: 3.75% per month 45% p.a.
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Welcome benefit: Users will get two nights' breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces. Users can access exclusive privileges with a NeuPass Taj InnerCircle Platinum Tier membership. Users can enjoy access to The Chambers Lounge, India's premier executive business club. Users can enjoy priority/early check-ins, late check-outs, and access to a dedicated 24/7 Platinum customer care service.
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Cashback Rate:
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Users will earn 1.5 reward points for every INR 100 spent on standard purchases,
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The value of 1.5 reward points is INR 1.
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General Cashback Rate: 1%.
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Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows with a
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Special Cashback Rate: 3.33%. The HSBC Taj Credit Card is designed for people who love comfort and luxury, especially when they travel. With this card, you get special treatment at Taj Hotels, Palaces, Resorts, and Safaris. That means every time you stay or dine at a Taj property, you enjoy extra rewards, discounts, or even free experiences. It is not just about hotels. The card also gives you lifestyle benefits like complimentary access to airport lounges, exclusive dining offers, and reward points on your everyday spending. These small perks add up and make your travel experience smoother and more enjoyable. In simple words, the HSBC Taj Credit Card is best for someone who travels often and prefers staying at good hotels. If you enjoy premium experiences and want to make your stays more valuable, this card helps you save while also giving you a touch of luxury.
HSBC TravelOne Credit Card
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Joining Fees: INR 4,999
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Interest Rate: 3.75% per month 45% p.a.
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Welcome Benefits: Users must download and log on to the HSBC India Mobile Banking app and spend INR10,000 within the first 30 days of openingtheir credit card account to get INR1,000 cashback, the Postcard Hotel voucher worth INR 3,000 and 3 months EazyDiner prime membership. In addition to that, cardholders can get 3,000 bonus reward points when they spend INR100,000 in the first 90 days.
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Cashback Rate:
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Cardholders can earn 4 reward points for every INR100 spent on flights, travel aggregators, and in foreign currency, capped at 50,000 reward points a month and earn 2 reward points for every INR100 spent on anything else, with no cap. These reward points can be converted into air miles at a ratio of 1:1.
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Cardholders will save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip. The HSBC TravelOne Credit Card is specially created for people who travel frequently and want their card to give back while they spend. With this card, every purchase you make, whether it’s shopping, dining, or paying bills, earns reward points. What makes it special is that these points can be easily used for flights, hotels, or even travel vouchers, making your trips more affordable. Apart from earning points, the card also takes care of your travel comfort. You get complimentary airport lounge access, which means you can relax before your flight instead of waiting at crowded terminals. Some partner airlines and hotels also give you extra offers, so your journeys feel smoother and more rewarding. In simple terms, the HSBC TravelOne Credit Card is best for frequent flyers, business travelers, and even students studying abroad. If you often spend on flights or hotel bookings, this card turns your daily expenses into travel rewards while giving you added comfort when you travel.
HSBC Visa Platinum Credit Card
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Joining Fees: NIL
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Interest Rate: 3.49% per month (41.88% per annum)
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Welcome Benefits: Welcome Benefit: Users will get Rs 500 cashback when they download and log on to the HSBC India Mobile Banking app and spend Rs 5000 within the first 30 days of getting the card, and an Rs 250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).; No joining and annual fees.
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Cashback Rate:
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The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.
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Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year. The HSBC Visa Platinum Credit Card is a card made for everyday use, where you can enjoy savings and offers without paying high fees. It helps you earn rewards on your regular spending like groceries, fuel, dining, and shopping. This means the money you spend daily can give you back something extra. The card also gives you added perks such as dining discounts, fuel surcharge waivers, and special deals on lifestyle and shopping platforms. These small benefits add up and make your regular spending lighter on your pocket. In short, the HSBC Visa Platinum Credit Card is a smart choice for people who are looking for a simple, useful, and affordable card. It’s especially good for those who want to enjoy savings on daily expenses without going for a very premium card.
Welcome Benefits
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Welcome Benefit: Users will get Rs 1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend Rs 20,000 within the first 30 days of getting the card and an Rs 250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
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Welcome Benefit: Epicure membership with offers and benefits across Taj hotels. Taj Experiences gift card worth Rs 12,000. Complimentary EazyDiner Prime annual membership
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Users will get two nights' breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces. Users can access exclusive privileges with a NeuPass Taj InnerCircle Platinum Tier membership. Users can enjoy access to The Chambers Lounge, India's premier executive business club. Users can enjoy priority/early check-ins, late check-outs, and access to a dedicated 24/7 Platinum customer care service.
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Welcome benefit: Users must download and log on to the HSBC India Mobile Banking app and spend INR10,000 within the first 30 days of opening their credit card account to get INR1,000 cashback, the Postcard Hotel voucher worth INR 3,000, and 3 3-month EazyDiner prime membership. In addition to that, cardholders can get 3,000 bonus reward points when they spend INR100,000 in the first 90 days.
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Welcome Benefit: Users will get Rs 500 cashback when they download and log on to the HSBC India Mobile Banking app and spend Rs 5000 within the first 30 days of getting the card and an Rs 250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).; No joining and annual fees.
Annual Fee
Credit Cards | Annual Fee |
|---|---|
HSBC Premier Mastercard Credit Card | NIL |
HSBC Taj Credit Card | INR 1,10,000 |
HSBC TravelOne Credit Card | INR 4,999, waived upon spending INR 8,00,000 in a year. |
HSBC Visa Platinum Credit Card | NIL |
HSBC Live+ Credit Card | INR 999 + GST |
Rewards System
Credit Cards | Cashback Rate |
|---|---|
HSBC Premier Mastercard Credit Card | Reward System: Users will earn 3 reward points for every INR 100 spent, 1 reward point = 1 Airmile (for more than 20 Airlines).
1 Reward point = INR 1 for redemption against Apple products.
Reward points cannot be redeemed against a credit card statement or for cash.
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HSBC Taj Credit Card | Users will earn 1.5 reward points for every INR 100 spent on standard purchases,
The value of 1.5 reward points is INR 1.
General Cashback Rate: 1%.
Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels, and amã Stays & Trails bungalows with a
Special Cashback Rate: 3.33%.
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HSBC TravelOne Credit Card | Cardholders can earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency, capped at 50,000 reward points a month and earn 2 reward points for every INR100 spent on anything else, with no cap. These reward points can be converted into air miles at a ratio of 1:1.
Cardholders will save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip.
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HSBC Visa Platinum Credit Card | The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.
Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
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HSBC Live+ Credit Card | Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).
1.5% unlimited cashback on most other spends.
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How to Activate HSBC Bank Credit Card?
Online via Mobile App or Net Banking
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Download the HSBC India Mobile Banking app from the Play Store or App Store.
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Register or log in using your PAN, phone banking number, or email, and set up your 6-digit Digital Secure Key.
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Tap on ‘Credit Cards’ on the home screen, go to ‘Manage Cards’, and choose ‘Activate Card’ to get started.
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Via IVR (Phone Call)
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Dial 1800 121 4015 from your registered mobile number.
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Follow the recorded prompts: enter your credit card number, confirm with the OTP, and your card gets activated.
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You’ll receive an SMS when your PIN is ready too.
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Using an ATM
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Go to any HSBC ATM with your new credit card.
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Insert the card, select “Create new ATM PIN,” opt to authenticate via OTP, enter the code received on your phone, and choose a 4-digit PIN.
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By Phone Banking (PIN via SMS)
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After activation, SMS this: the first two letters of your name + date of birth (DDMM format) + last 4 digits of your card—for example, MA28101234.
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Send it to +91-9958418884 to receive your PIN over SMS.
Other Fee And Charges
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Cash advance fee: 2.5% of the cash withdrawn or Rs 500. (Whichever is higher)
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Late Payment Fee: Late payment fee (Charged if minimum amount due does not reach HSBC within 3 days of payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month
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Foreign Currency Transactions Fee: 3.5%
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Interest Rates: 3.49% per month (41.88% per annum)
YES Bank's Journey
HSBC, short for Hong Kong and Shanghai Banking Corporation, began its journey in 1865. It was created to support trade between Europe, China, and India during a time when business between the East and West was growing quickly. The idea was simple to connect people and companies across continents with smooth banking services.
Over the years, HSBC grew from being a regional bank to a global financial giant. Today, it is one of the world’s largest banks, operating in more than 60 countries and serving millions of customers. Its services cover almost everything from simple savings accounts and loans to international trade finance, investments, wealth management, and digital banking. In India, HSBC’s journey is very special. The bank has been present for more than 150 years, making it one of the oldest international banks in the country. It started in Kolkata in 1853 (even before it was officially founded in Hong Kong in 1865) and then expanded across India. HSBC introduced many modern banking practices here, including ATMs and digital services.
Today, HSBC in India is known for serving both individuals and businesses. From students and working professionals to large multinational companies, HSBC offers services tailored to different needs. Its global reach also makes it a trusted partner for people who deal with foreign currency, travel, or international trade. HSBC’s journey shows how a bank that started small has now become a bridge between countries, helping people manage money, grow businesses, and achieve dreams across the world.
Rewards System
FAQs
Q: Which HSBC Bank Credit Card is right for me?
A: HSBC Bank offers different types of credit cards to match your lifestyle. Whether you enjoy dining, shopping, or traveling, there’s a card for you. For example, HSBC Cashback Credit Card is good for everyday spending, while HSBC Premier Mastercard or HSBC TravelOne is better for frequent travelers. You can check HSBC’s website to see which card fits your needs.
Q: What are the fees associated with HSBC Bank Credit Cards?
A: The annual fees for HSBC Bank Credit Cards vary depending on the card. Some entry-level cards may have no annual fee or a low fee, while premium cards can have higher charges. Other fees may include late payment charges, cash withdrawal fees, and foreign transaction charges. Always review the fee details for the card before applying.
Q: How do I apply for an HSBC Bank Credit Card?
A: You can apply for an HSBC Bank Credit Card online through the HSBC India website. You will need to fill out an application form and upload documents. You can also apply by visiting an HSBC branch.
Q: What documents do I need to apply for an HSBC Bank Credit Card?
A: You will usually need to provide proof of identity (like Aadhaar or PAN), proof of address (utility bill, Aadhaar, passport), and proof of income (salary slip, bank statement, or ITR). The bank may also ask for additional documents depending on your profile.
Q: How long does it take to get approved for an HSBC Bank Credit Card?
A: Approval can take anywhere from a few days to two weeks. Once your application is reviewed and verified, HSBC will notify you about the decision.
Q: How do I activate my new HSBC Bank Credit Card?
A: After you receive your HSBC Credit Card, you can activate it by generating a PIN online through HSBC Internet Banking, through the mobile app, or at an ATM. You can also call HSBC PhoneBanking to complete activation.
Q: How do I make a payment on my HSBC Bank Credit Card?
A: You can pay your HSBC Credit Card bill through Internet Banking, the HSBC India mobile app, NEFT/IMPS, BillDesk, or by setting up AutoPay from your HSBC or non-HSBC bank account. Cash and cheque payments at branches are also possible.
Q: What happens if I miss a payment on my HSBC Bank Credit Card?
A: If you miss a payment, you will be charged a late fee and interest will apply on the outstanding balance. Missing payments repeatedly may also affect your credit score. It’s best to pay at least the minimum due on time.
Q: How do I report a lost or stolen HSBC Bank Credit Card?
A: If your HSBC Credit Card is lost or stolen, call HSBC PhoneBanking immediately at their helpline (1800 267 3456 / 1800 121 2208). You can also block the card through Internet Banking or the HSBC mobile app. A replacement card will be issued to you.