HSBC Smart Value Credit Card
HSBC
Annual Fee
FREE
Joining Fee
Nil
Base Reward
1% points
Foreign Markup
3.5% on all foreign currency transactions
Fee Waiver
Lifetime free
Interest Rate
1.99% to 3.49% per month
Welcome Benefits
Amazon gift voucher worth Rs. 500, 10% cashback up to Rs. 1,000, 3 complimentary airport lounge access, 50% discount on Google Pay
Product Highlights
- Lifetime free credit card
- Earn up to 3 Reward Points on every spend of Rs. 100
- Variable interest rates
Rewards
Earn 1 Reward Point for every Rs. 100 spent on retail transactions and 3 Reward Points on dining, telecom categories, and all online spends.
Redemption
1 Reward Point = up to Re. 0.35
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 1%(1 Reward Point for every Rs. 100 spent) | No cap |
dining | 3%(3 Reward Points on dining) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 3 Reward Points | online |
Benefits & Features
Domestic: 3 complimentary airport lounge access International: 3 complimentary airport lounge access Complimentary lounge access as an introductory offer
Fees & Charges
Eligibility
Min Age
18 years
Max Age
65 years
Min Income (Salaried)
₹4,00,000
Available Networks
Pros & Cons
Pros
- Lifetime free credit card
- 10% cashback up to Rs. 1,000 within the first 30 days
- 1% fuel surcharge waiver
Cons
- Limited premium benefits
- Only available for salaried individuals
Additional Info
The Reward Points are valid for two years from the accrual date.