- Key Highlights of HSBC Cashback credit card:
- Benefits of HSBC Cashback credit card:
- Credit Card limit on HSBC Cashback credit card:
- Redeeming Rewards on HSBC Cashback credit card:
- Fee’s and Charges of HSBC Cashback credit card:
- Eligibility to apply for HSBC Cashback credit card:
- Required Documents for HSBC Cashback credit card:
- Comparison:
- Similar Credit Cards to HSBC Cashback credit card:
- Apply for HSBC Cashback credit card:
- How to Generate PIN:
- How to Change PIN:
- Contact HSBC Visa Platinum credit card:
- Conclusion:
- F.A.Q’s:
- Read More:
HSBC Cash Back credit card is designed to put money back in your pocket, this credit card offers an array of enticing cashback offers on your everyday spending. Whether you’re a frequent shopper, a foodie, or a travel enthusiast, this card allows you to earn cash back on a variety of categories, making it an excellent choice for maximizing your rewards potential. In this comprehensive review, we’ll delve into the features, benefits, and potential considerations of the HSBC Cash Back Credit Card, helping you determine if it’s the right fit for your financial goals. Let’s explore how this card can transform the way you spend and save!
Key Highlights of HSBC Cashback credit card:
| Best Suited for | Cashback |
| Joining Fee | Nil |
| Renewal Fee | Rs. 750 |
| Welcome Benefits | Vouchers from Amazon, Big Basket, Myntra, etc. |
| Best Feature | You’ll get an 1.5% cashback on all online spend. |
Benefits of HSBC Cashback credit card:
Welcome Offers:
- You will either earn 2 Airport Lounge Access for both domestic and international lounges or 2 meal vouchers good for Rs. 400 at airport restaurants when you use the credit card.
- Get a discount of up to 20% on orders placed through Swiggy that total more than Rs. 200.
- A Swiggy voucher worth Rs. 250 is also included with the HSBC Cashback card, but it needs to be used within the first 60 days after receiving it.
- You will receive a 5% discount at Amazon on orders over Rs. 1,000.
Cashback Offers:
- All online purchases made with the credit card will receive a 1.5% reward. The payback rate on all other purchases will be 1%.
- Additionally, EMI purchases will be eligible for the cashback function.
Milestone Benefits:
- Spending more than Rs. 1 lakh will waive the card’s annual cost of Rs. 750.
Miscellaneous Benefits:
- In the event that a card is lost, the customer has no liability. Up to Rs. 3 lakh in insurance coverage would be provided for a period of up to 24 hours prior to reporting and registering the loss.
- Within just three days, emergency card replacement is possible from anywhere in the world.
- The card also offers a variety of insurance features to safeguard the cardholder in any circumstance.
Latest Offers on HSBC Cashback Credit Card:
- When using a credit card to make a purchase on BigBasket, you can get a discount of up to Rs. 250.
- You can immediately save 5% off of your Amazon purchases when you pay using your credit card.
- Get a discount of up to Rs 15,000 on your MakeMyTrip international airline reservations.
- When you pay with a credit card and book your overseas accommodations with MakeMyTrip, you will receive a 25% discount.
- Get a discount of up to Rs. 1,000 when using your credit card to book domestic flights.
You can view more on HSBC official website.
Credit Card limit on HSBC Cashback credit card:
The HSBC Cashback card’s credit limit is determined at the bank’s discretion. Before deciding on the card limit, HSBC Bank will perform careful checks. The principal cardholder’s credit score, credit report, and repayment patterns for any previous or current debts are a few of the important variables.
Redeeming Rewards on HSBC Cashback credit card:
Via Online:
Through the bank’s rewards system, you can use your accrued HSBC Visa Platinum credit card reward points to make purchases online. All you have to do is sign into the portal and select the necessary option as it suits you. To accomplish the same thing, adhere to these instructions:
Step 1: Go to the HSBC credit card rewards catalogue’s official website.
Step 2: Choose your credit card’s version to view the offers that are available.
Step 3: Decide which choice you wish to use your reward points against.
Step-4: Use your internet banking ID and password to log in.
Step 5: Add the item to your card after logging in and use your reward points to make the purchase.
Step 6: You will get a confirmation message about using your reward points on your registered mobile number.
The supplied item will be sent to the communication address the bank has been given. The email address and mobile number registered with the bank will receive the vouchers.
Via Offline:
You can inquire about the redemption process by contacting the HSBC credit card customer service. The person will provide you instructions on how to submit an application and assist you in using your reward points.
Fee’s and Charges of HSBC Cashback credit card:
| Type of Charge | Fees |
| Annual fee | Rs.750 (Amount is waived if annual spends exceed Rs.1 lakh) |
| Joining fee | Nil |
| Free credit period | Until 45 days |
| Finance charges | 3.3% per month |
| Add-On card annual fee | Nil |
| Minimum payment due | 5% of the entire amount outstanding, with a minimum payment of Rs.100 |
| Cheque dishonor charges | Rs.450 |
| Duplicate statement fee | Rs.100 |
| Cash advance limit | 2.5% of the transaction’s total, with a minimum of Rs. 300. |
| Out of town cheque processing fee | Nil |
| Transaction fee for cash withdrawal | Rs.100 at international ATMs |
| Over limit fee | Rs.500 per month |
| Late payment fee | 50% of the required minimum payment, subject to a monthly minimum and maximum of Rs. 400 and Rs. 750, respectively. |
| Sales slip retrieval fee | Rs.225 per month |
Eligibility to apply for HSBC Cashback credit card:
you to complete a form with a few basic facts. Following completion, the bank will determine if you qualify for a credit card and will get in touch with you.
The following is the ideal credit card eligibility requirement:
- The main applicant must be an Indian national.
- The applicant must be between the ages of 18 and 70.
- The add-on applicant’s age must be greater than 15 years old.
Required Documents for HSBC Cashback credit card:
| Proof of Identity | Aadhaar card Passport Driving Licence |
| Address Proof | Ration Card Voter ID Passport Aadhar card |
| Proof of Income | Salary Slip IT Returns Form 16 |
Comparison:
HSBC Cashback credit card v/s HSBC Visa Platinum credit card:
| Basis | HSBC Cash back credit card | HSBC Visa Platinum credit card |
| Fee | Joining Fee Nil Renewal Fee 750/- | Joining Fee NIL Renewal Fee Nil |
| Best Suited For | Shopping | Shopping |
| Reward Type | Reward Points | Reward Points |
| Welcome Benefits | 500 rupee Amazon gift card plus three free domestic lounge visits | 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 Cashback credit card v/s HSBC Premier MasterCard credit card:
| Basis | HSBC Cash back credit card | HSBC Premier MasterCardcredit card |
| Fee | Joining Fee Nil Renewal Fee 750/- | Joining Fee NIL Renewal Fee Nil |
| Best Suited For | Shopping | Shopping |
| Reward Type | Reward Points | Reward Points |
| Welcome Benefits | 500 rupee Amazon gift card plus three free domestic lounge visits | One Taj Hotel night and a free Epicure membership are included. |
HSBC Cashback credit card v/s HSBC Premier Smart Value credit card:
| Basis | HSBC Cash back credit card | HSBC Premier Smart Value credit card |
| Fee | Joining Fee Nil Renewal Fee 750/- | Joining Fee NIL Renewal Fee Nil |
| Best Suited For | Shopping | Shopping |
| Reward Type | Reward Points | Reward Points |
| Welcome Benefits | 500 rupee Amazon gift card plus three free domestic lounge visits | 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. |
Similar Credit Cards to HSBC Cashback credit card:
| Credit Card | Annual Fee | Key Feature |
| Flipkart Axis Bank Credit Card | Rs. 500 | 5% cashback on Flipkart, Myntra and 2GUD |
| Axis Bank ACE Credit Card | Rs. 499 | 5% cashback on bill pay and recharge via Google Pay |
| HDFC Millennia Credit Card | Rs. 1,000 | 5% cashback on Amazon and Flipkart; 1% cashback on offline spends and wallet reloads |
| Paytm SBI Select Credit Card | Rs. 1,499 | 5% cashback on Paytm Mall, Movies and Travel |
Apply for HSBC Cashback credit card:
Via Online:
You can apply for HSBC Cash Back credit card by visiting the credit card page on their official website. Alternatively, you can call HSBC phone banking and they will revert to you as soon as possible.
Via Offline:
You can also visit your nearest HSBC branch with the required documents and apply for the card offline.
Via Chatbot:
By speaking with an HSBC Bank executive through the Chabot on the bank’s official website, you may quickly find out the status of your HSBC credit card. To accomplish the same thing, simply take the following actions:
- Visit the official website of HSBC Bank.
- On your screen, in the bottom right-hand corner, select the “Chat” option.
- Accept the terms and conditions, then type “I want to check the status of my application for an HSBC credit card.”
- You might be questioned about a few specifics. Just give the requested information in its entirety.
- Once you have given them all the information, it will only take them a few seconds to inform you of the most recent development with regard to your application.
Via Offline:
- If you want to find out the status of your credit card, you may always go to an HSBC bank location. When visiting the branch, be sure to bring your credit card application registration number, form number, and other necessary information and documents with you.
- This will make it easier for the bank workers to assist you in learning the status of your credit card.
- This option is the most time-consuming, thus it should only be chosen if all other attempts to trace your application have failed.
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.
Conclusion:
In the bottom line,HSBC Cash Back Credit Card is a great choice for individuals seeking a rewarding credit card experience. With its attractive cash back offers, flexible redemption options, and additional perks, it provides users with a way to earn rewards on their everyday purchases. However, it’s crucial to assess your spending habits and consider the associated costs before applying. As with any financial decision, it’s wise to compare different cards to find the one that best suits your needs and preferences.
F.A.Q’s:
Is a HSBC Cashback Credit Card free?
Yes, there is no application charge for this reward credit card, and the low annual fee can even be waived if your transaction volume exceeds the predetermined limit.
Within how many days will I receive my HSBC Cashback Credit Card?
After the application has been approved, the HSBC Cash Back credit card will be sent out within 7 working days. It’s crucial to keep in mind that it takes three weeks to process an application and all necessary supporting documentation before approval or rejection.
Do I have to pay a foreign transaction fee if I use my card abroad?
No, there are no fees associated with using the HSBC Cash Back credit card for international purchases. Regardless of whether the transaction is taking place, the bank will charge the conversion rate that applies to the nation’s currency.
How can I find out if my application for a credit card has been accepted?
HSBC will notify you via text message as to the progress of your application after you have submitted your credit card application. You will be informed by text message whether your application has been accepted.
If You didn’t got the message contact HSBC customer care from the number given above.
Is there a cap on the amount of cashback I can receive in a single month?
No. There is no maximum amount of cashback you can earn.
Do we get cashback on EMI Transactions as well for HSBC Cashback credit card?
Yes, you will get a cashback on EMI transactions as well.
Does this card provide zero liability protection?
Yes, you are protected up to Rs. 3,00,000 in insurance against any card misuse that occurs up to 24 hours before you report the card lost.
Will I get reward Points on HSBC Cashback credit card?
This card does not use reward points. Only purchases made online or offline that are credited within 45 days of the card’s statement date qualify for cashback.
Can we get an add-on card on HSBC Cashback credit card?
You can obtain add-on cards, and there is no fee associated with doing so.
Can we do contact less payments through this card?
Yes, contactless payments using Visa Paywave are supported by this card. Up to Rs. 5,000 in transactions don’t require a PIN.
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