HSBC Smart Value Credit Card

In the competitive world of credit cards, finding the one that suits your financial needs can be a daunting task. However, if you’re looking for a credit card that combines value, convenience, and a range of benefits, the HSBC Smart Value Credit Card deserves your attention. In this blog review, we will explore the features, rewards, and perks of the HSBC Smart Value Credit Card, and see why it stands out among the crowd.

Key highlights of HSBC Smart Value Credit Card:

Card Type	Entry-level
Best Suited for	Cashback & Rewards
Joining Fee	Nil
Renewal Fee	Nil
Welcome Benefits	1)Voucher for Amazon worth Rs. 2)50% off your first Google Pay transaction. 3) 3free passes to the airport lounge or 3 meal coupons.
Best Feature	3X reward points on all purchases in the categories of dining, telecom, and online.

Benefits of HSBC Smart Value Credit Card:

Lifestyle Benefits:

• On categories like online, food, and telecom, you receive 3X rewards.
• Additionally, you can save money on movie tickets.
• You can also get gift and travel coupons with the card.

Introductory offers:

• 200 rupee BookMyShow gift cards within 60 days of the card’s issue.
• Additionally, you will get a free 3-month subscription to Gaana+ within 60 days of the card’s issuance. The promo code must be redeemed within 30 days of obtaining it.

Welcome benefits:

• Get a Cleartrip voucher of Rs. 2,000 when you use the card to make a purchase within 30 days of card issuance. After 30 days have passed since the card was issued, the vouchers will be mailed to you within 60 days.
• Within the first 60 days of the card’s issuance, make at least 5 purchases totaling Rs. 5,000 or more to receive 10% cashback on your purchases.
• However, there is a cap on the cashback of Rs. 1,000 per customer.
• For purchases made within 90 days of the card’s issuance, you can take advantage of tempting EMI instalment plans with an annual interest rate of 10.99%.

Movie benefits:

• Spend Rs. 15,000 in a month to be eligible to win a Rs. 200 BookMyShow gift card. A total of Rs. 1,200 can be spent on vouchers in a single calendar year.

Annual fee waiver:

• The annual charge for the following year is eliminated if annual spending exceeds or is equivalent to Rs.50,000. In the event that you are not qualified for the fee waiver.

Access to various EMI products:

• Customers who use an HSBC credit card for an EMI receive discounts on a variety of EMI products, including cash-on-EMI, loan-on-phone, instant EMI, balance conversion, and balance transfer.

Reward program:

• For every Rs. 100 you spend using the card, you receive 1 reward point.
• You can earn a maximum of 1,000 reward points per month through dining, telecom, and online shopping.
• From the HSBC Rewards catalogue, the accumulated points can be exchanged for a variety of gifts and certificates.

You can check more on HSBC Official website.

Fee’s And Charges of HSBC Smart Value Credit Card:

Type of Charge	Amount
Joining fee	NIL
Annual fee	Rs.499 (Waived off on spending Rs.50,000 in a year)
Interest charge	1.99% per month to 2.99% per month
Cash withdrawal fee (Bank branches or Domestic ATMs)	2.5% of the money withdrew, or at least Rs. 300
Cash withdrawal fee (International ATMs)	Rs.100
Reward points redemption fee	Rs.50 per request
Interest charge on cash withdrawal	3.3% per month
Duplicate statement fee	Rs.100 per statement which is older than 3 months
Cheque bounce fee	Rs.350
Annual fee for add-on cards	NIL
Overlimit fee	Rs.500 per month
Late payment fee	50% of the minimum amount payable, up to a maximum of 750 rupees and a minimum of 400 rupees.
Charge slip retrieval charge	Rs.225 per month
Card re-issue fee	Rs.100 per request
Foreign currency mark-up fee	3.5%
Credit card bill payment at HSBC branches and drop-boxes	Rs.100

Redeeming Reward Points on HSBC Smart Value Credit Card:

• Through the HSBC Rewards catalogue, you can use the reward points you accumulate to purchase a wide range of items, including gift cards, merchandise, and many more.
• 1 Reward Point can be worth up to Re. 0.35 depending on the choice selected.
• Each award redemption request is subject to a cost of Rs. 50.

Eligibility to Apply for HSBC Smart Value Credit Card:

The following are the requirements that applicants must meet in order to be authorised for the HSBC Smart Value Card:

• The applicant’s age should fall between 18 and 65 years old.
• The applicant’s annual income must exceed Rs. 4 lakhs.
• Only those who get a salary may apply for this card.
• The applicant must reside in one of the following cities: Jaipur, Bengaluru, Chennai, Mumbai, Gurugram, Hyderabad, New Delhi, Noida, Pune, Chandigarh, Kolkata, or Ahmedabad and must be an Indian citizen.

Required Documents for HSBC Smart Value Credit Card:

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government approved photo ID proof
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Comparison:

HSBC Smart Value credit card v/s HSBC Visa Platinum credit card:

Basis	HSBC Smart Value credit card	HSBC Visa Platinum credit card
Fee	Joining Fee Nil Renewal Fee Nil	Joining Fee NIL Renewal Fee Nil
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	3 free passes to airport lounges, a Rs. 500 Amazon gift card, 10% cashback up to Rs. 1,000, and a 50% Google Pay discount are also included.	Amazon gift card worth Rs. 500, three free passes to lounges and three meal vouchers, a 50% discount (up to Rs. 100) on your first Google Pay purchase, and 10% cashback (up to Rs. 2,000) are all included.

HSBC Smart Value credit card v/s HSBC Premier MasterCard credit card:

Basis	HSBC Smart Value credit card	HSBC Premier MasterCardcredit card
Fee	Joining Fee Nil Renewal Fee Nil	Joining Fee NIL Renewal Fee Nil
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	3 free passes to airport lounges, a Rs. 500 Amazon gift card, 10% cashback up to Rs. 1,000, and a 50% Google Pay discount are also included.	One Taj Hotel night and a free Epicure membership are included.

HSBC Smart Value credit card v/s HSBC Premier Smart Value credit card:

Basis	HSBC Smart Value credit card	HSBC Premier Smart Value credit card
Fee	Joining Fee Nil Renewal Fee Nil	Joining Fee NIL Renewal Fee Nil
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	3 free passes to airport lounges, a Rs. 500 Amazon gift card, 10% cashback up to Rs. 1,000, and a 50% Google Pay discount are also included.	3 complimentary airport lounge access, an Amazon gift voucher worth Rs. 500, 10% cashback up to Rs. 1,000, and 50% discount on Google Pay.

Credit Cards Similar to HSBC Smart Value Credit Card:

Credit Card	Annual Fee	Key Feature
HDFC MoneyBack Credit Card	Rs. 500	2X bonus points for online purchases
Standard Chartered Platinum Rewards Credit Card	Rs. 250	For every Rs. 150 spent at partner dining establishments, you receive 5 reward points.
Axis Bank ACE Credit Card	Rs. 499	10% cashback on DTH, cellphone, and bill payment

Apply for HSBC Smart Value Credit Card:

The following basic procedures must be followed in order to apply for the HSBC Smart Value Credit Card online:

• Visit HSBC Bank’s official website.
• Click “Credit Cards” under the heading “Banking.”
• Find the “HSBC Smart Value Credit Card” by scrolling down.
• Select Apply Now.
• Start the application by providing the required information, such as your name, email address, and mobile number.
• Then fill out your personal information, employment information, etc.
• Examine the application, then send it.

How to Generate PIN:

It has never been simpler to generate an HSBC credit card PIN. HSBC credit cards are sent to their recipients in a deactivated state in order to adhere to safety rules.

• You must call customer service at the toll-free number provided above, 1800 103 4015, in order to activate your HSBC credit card.
• Alternately, you can use an ATM PIN to activate your HSBC credit card at an HSBC ATM.
• You can activate your credit card PIN through any PIN-based transaction if neither of the aforementioned options appeals to you.
• It’s crucial to remember that within three days of receiving your HSBC credit card, your PIN will be emailed to the registered mobile number you provided.

How to Change PIN:

Visit an HSBC Bank ATM:

You can change your HSBC credit card PIN by visiting an HSBC ATM located in India as well as one located overseas. The steps involved are as follows.

• Both an HSBC ATM in India and one abroad allow you to modify the PIN on your HSBC credit card. The procedures are as follows.
• Insert your card into the slot of an HSBC ATM while you are there.
• Choose the language in which you want the instructions to be shown.
• Type in your current PIN.
• Select PIN services from the list of alternatives that appears.
• You must now click the option that says “change PIN.”
• Your registered mobile number will receive an OTP.
• On the ATM, you will be required to enter in the OTP.
• Double-check that the new PIN you entered is the one you want.
• Now that your new PIN has been activated.

Your new PIN will now be activated.

Contact HSBC Visa Platinum credit card:

Via Phone:

1860 266 2667

Via E-mail:

customer.care.team@hsbc.com.

F.A.Q’s:

Conclusion:

The HSBC Smart Value Credit Card is a well-rounded financial tool that caters to the needs of savvy spenders. With its flexible features, rewarding rewards program, convenient digital services, and world-class customer support, it proves to be a valuable companion for managing your finances effectively. If you’re looking for a credit card that combines value, convenience, and reliable services, the HSBC Smart Value Credit Card is a smart choice worth considering. Take control of your spending and unlock a world of possibilities with this exceptional credit card.

Read More:

Axis Bank Neo Credit Card	Axis Bank Select Credit Card	IDFC FIRST Classic Credit Card
How to activate HDFC credit card	SBI Card Pulse	HDFC Regalia Credit Card
HDFC MoneyBack Credit Card	Axis Bank Magnus Credit Card	SBI Prime Credit Card
Airtel Axis Bank Credit Card	IDFC First Wealth Credit Card	IDFC First Millennia Credit Card
Axis Bank Vistara Signature Credit card	Indian Oil Axis Bank Credit Card	HDFC Diners Club Black Credit Card