Earn 3 reward points per ₹100 spent on all purchases
Accelerated rewards up to 12X on travel spends; capped at 18,000 points per month on flights/hotels
Utility spends capped at 3,000 reward points per month; other spends unlimited
Reward points never expire and can be redeemed at 1 point = ₹1 for travel/Apple purchases
1:1 conversion of reward points to air miles and hotel loyalty programs
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹14,160
₹12,000 + GST
Annual FeeMaintain a ₹40 lakh balance quarterly, or have a mortgage disbursal of ₹1.15 crore or more, or receive a ₹3 lakh+ monthly salary in an HSBC account.
₹23,600
₹20,000 + GST
Eligibility
Age
18-65 years
Salary
₹3L / Month
Credit Score
750+
Bank Fee Structure
Forex Markup0.99% Forex Markup is charged when you use your card to pay in any currency other than INR. This fee applies when you shop on international websites that bill in foreign currency or when you make a payment outside India using a POS machine. Below is the forex markup for common spend amounts at 0.99%: ₹100 = ₹0.99 ₹1,000 = ₹9.9 ₹10,000 = ₹99 ₹1,00,000 = ₹990
0.99%
Finance Charges (APR)Finance charges of 2.99% per month apply on unpaid outstanding balances until the amount is fully repaid.
2.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeA railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment₹350 will be charged in case of cheque bounce, standing instruction dishonour or unsuccessful ECS payment
₹350
Cash Payment₹100 fee is applicable for making credit card bill payments in cash at HSBC branches
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹250
₹250
₹251 - ₹500
₹500
₹501 - ₹1,000
₹950
₹1,001 and above
₹1,200
100% of Minimum Payment Due subject to minimum ₹250 and maximum ₹1,200 per month
Reward Exclusions
Fuel SpendsEMI transactionsPurchases converted to EMI post factoWallet loading transactionsPurchase of Jewelry itemsCash advancesPayment of outstanding balancesPayment of card fees and other card chargesRental PaymentsGovernment servicesInsurance servicesEducation servicesUtility Spends
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
