HSBC India
HSBC Smart Value Credit Card
Best for rewards
₹500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹500/yr
Reward rate
2x
Min. income
₹3,00,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹3 lakh/yr · CIBIL 650+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Rewards optimiser
What we like
- Smart value rewards
Watch out for
- ₹750 late-payment fee
- 2.5% cash-advance fee
- 3.5% foreign-transaction markup
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹50,000 |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹50,000 |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Forex markup | 3.5% | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 (max ₹250/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2.00 | — | 0.25 |
| ONLINE | 2.00 | — | 0.25 |
| SHOPPING | 2.00 | — | 0.25 |
Benefits
-
Smart value rewards Highlight
2X Reward Points on online and shopping spends — 2X
-
Fuel surcharge waiver
1% fuel surcharge waiver on fuel between ₹400 and ₹10,000 (max ₹250/month) — 1% waiver
Eligibility
- Age
- 21–65 years
- Min. income
- ₹3,00,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- HSBC mass shopping rewards card
HSBC Smart Value Credit Card is a VISA credit card from HSBC Bank. It is best suited for rewards.
Fees and rewards
- Annual fee: ₹500
- Joining fee: ₹500
- Rewards: 2X reward points per ₹100
Eligibility
HSBC mass shopping rewards card
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for HSBC Smart Value Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
← All credit cards · All HSBC India cards · All Visa cards
