HSBC India
Classic · Smart Value
HSBC Smart Value Credit Card
HSBC India
Zero annual fee, 3X rewards on online shopping
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,000
Total Annual Benefits
₹4,000
Total Annual Charges
₹0
ROI
9999%
Fee Waiver Available
No annual fee — lifetime free card — ₹0 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Shopping Benefits (1)
3X Reward Points on Online Shopping
Earn 3X reward points on all online shopping transactions including e-commerce and app-based purchases
- • All online shopping transactions
3X RP
Reward Points (1)
1X Reward Points on Other Spends
Earn 1 reward point per ₹100 on all other retail purchases
- • Excludes cash advances and quasi-cash
1 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
HSBC Reward Points
3X online shopping, 1 RP per ₹100 other
Effective cashback: 0.25%
Points expire: 3 years from date of accrual
Redemption Options
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
- → Mobile recharge
Bonus Categories
Online Shopping
3x multiplier
3X reward points on online shopping
Others
1x multiplier
1 reward point per ₹100 on other spends
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free — Lifetime Free Card |
| Annual Fee | Free Free — Lifetime Free Card |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.15%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,50,000
- Min. Credit Score
- 650
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.5 Lakh p.a.
- • Subject to credit assessment
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Lifetime free — no annual fee 3X rewards on online shopping HSBC mobile app and internet banking
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The HSBC Smart Value Credit Card is a lifetime-free credit card offering 3X reward points on online shopping and 1X on all other spends. With no annua...
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