HSBC Smart Value Credit Card-Zero Liability & Easy EMI

The HSBC Smart Value Credit Card is the perfect credit card for you if you tend to pay using credit cards often. There are many attractions of this credit card, some of which are zero joining or renewal fees, instalment plans, EMI options, etc. 

Today, we look at all the features and specifications of the HSBC Smart Value Credit Card and see why this is the perfect credit card for you.

Fees and Charges

• Rewards Points Fee: You need to pay Rs. 50 every time you want to use your rewards with the HSBC Smart Value Credit Card.
• Foreign Money Charge: When you spend money in another country’s money, they charge 3.5% extra for using the HSBC Smart Value Credit Card.
• Interest Rates: The interest you pay each month can be between 1.99% to 2.99% on the HSBC Smart Value Credit Card.
• Fuel Discount: You get 1% off the extra fuel fee when you use your HSBC Smart Value Credit Card to buy fuel.
• Cash Withdrawal Fee: If you take out cash with your HSBC Smart Value Credit Card, they charge 2.5% of the amount. But, you have to pay at least Rs. 500.

HSBC Smart Value Credit Card Features

1. Fuel Surcharge Waiver: With this HDFC credit card, a person can save as much as Rs. 3,000 annually on fuel surcharges.
2. Exclusive Offers and Discounts: As a customer, you get special access to discounts from select partners.
3. Easy Payments with Google Pay: If you have an Android phone, you can use Google Pay to quickly and safely pay online or in stores with your HSBC Smart Value Credit Card.
4. Balance Transfer: You can move your credit card balance to an HSBC card for easier payments at a lower interest rate.
5. Balance Conversion: You can split your big purchases into smaller, easier monthly installments.
6. Loan on Phone: Use the HSBC India Mobile Banking app to change your purchases into easy monthly installments.

HSBC Smart Value Credit Card Details

• Cashback in the First Month: If you use your HSBC Smart Value Credit Card in the first 30 days, you get 10% cashback, up to Rs. 1,000.
• Earn Rewards: For every Rs. 100 you spend using the HSBC Smart Value Credit Card, you can earn up to 3 reward points.
• Free Airport Lounge Entry: As a special offer, you can enjoy free access to airport lounges with your HSBC Smart Value Credit Card.
• Amazon Gift Card: When you get your HSBC Smart Value Credit Card, you will also receive an Amazon gift voucher worth Rs. 500.
• Different Interest Rates: The HSBC Smart Value Credit Card comes with interest rates that can change.
• More Cashback: By using your HSBC Smart Value Credit Card to spend a specific amount each month, a person can earn additional cashback.
• Fuel Discount: You can save 1% on fuel charges every time you use your HSBC Smart Value Credit Card to buy fuel.

Rewards | HSBC Smart Value Credit Card

• How You Earn Rewards: When shopping with the HSBC Smart Value Credit Card, a person earns 1 reward point for every Rs. 100 spent. But, if you spend on dining, telecom bills, or online shopping, you earn 3 times more points.
• How to Use Your Rewards: A person can redeem their reward points by visiting the HSBC Rewards portal. For every 1 reward point you have, it’s worth up to Re. 0.35 when you redeem it.

Benefits of HSBC Smart Value Credit Card

• Welcome Gifts: When you get the HSBC Smart Value Credit Card, you receive an Amazon gift voucher worth Rs. 500. Plus, if you make at least 5 purchases totaling Rs. 5,000 or more in the first 60 days, you get 10% cashback, up to Rs. 1,000.
• Free Airport Lounge or Meal Offers: You also get 3 free entries to airport lounges, or you can choose 3 free meal vouchers, either for domestic or international travel.
• Google Pay Discount: For your first purchase on Google Pay with the HSBC Smart Value Credit Card, you can get a 50% discount, up to Rs. 100.
• Reward Points for Spending: You earn 1 reward point for every Rs. 100 spent on regular shopping. If you spend on dining, telecom bills, or online, you get 3 times more reward points. These reward points are valid for 2 years after you earn them.
• Using Your Reward Points: You can exchange your reward points for gifts, vouchers, and more by using the HSBC Rewards catalog. One reward point is worth up to Re. 0.35 depending on what you choose. There is a Rs. 50 fee every time you use your points.
• Fuel Fee Savings: With the HSBC Smart Value Credit Card, you save 1% on fuel surcharges, which can add up to Rs. 3,000 in savings each year.

Charge Rates Overview|HSBC Smart Value Credit Card

• Interest Rates: The interest rate for this card can be between 1.99% and 2.99% per month. It depends on your credit history.
• Foreign Currency Fee: If you use your HSBC Smart Value Credit Card in another country’s currency, there’s a 3.5% fee on your foreign transactions.
• Cash Withdrawal Fee: If you take out cash with this card, there’s a fee of 2.5% of the amount you withdraw, with at least Rs. 500 charged each time.

Reward Points of the HSBC Smart Value Credit Card

• Earn Reward Points: You get 1 reward point for every Rs. 100 you spend with your HSBC Smart Value Credit Card.
• Bonus Points for Special Categories: If you spend on online shopping, dining, or telecom, you can earn 3 times the reward points. But there’s a limit of 1,000 extra reward points each month.

HSBC Smart Value Credit Card | Eligibility Requirements

• Age Requirement: To get the HSBC Smart Value Credit Card, you must be between 18 and 65 years old.
• Income Requirement: To apply for the HSBC Smart Value Credit Card, a person’s annual income must exceed Rs. 4 lakhs.
• Salaried Individuals Only: This card is only available for people who have a job with a regular salary.
• Residency and Location: You must live in India and be a resident of one of these cities: Jaipur, Bengaluru, Chennai, Mumbai, Gurugram, Hyderabad, New Delhi, Noida, Pune, Chandigarh, Kolkata, or Ahmedabad.

Apply Procedure for HSBC Smart Value Credit Card

• Step 1: Click “Apply Now”

Begin by clicking the “Apply Now” button on the HSBC website.

• Step 2: Enter Basic Information

Provide details like your name, phone number, and email address.

• Step 3: Add Personal and Job Details

Next, provide your personal information and employment details.

• Step 4: Review and Submit

Check all the details in your application, then submit it for processing.

Conclusion

HSBC Smart Value Credit Card offers lots of astonishing benefits like no joining or annual fees, cashback offers, and easy reward points. You can also save money on fuel and enjoy discounts with special partners. Plus, the card has many features that make it easier to manage your spending and payments. Whether you are shopping, dining, or traveling, this credit card can help you save and earn rewards at the same time. Overall, the HSBC Smart Value Credit Card is a smart option for anyone who wants to make the most of their money.

FAQs