How to redeem reward points on HSBC credit card?
Darshan Patel
Asked 26 Feb 2026
7
I have accumulated around 20,000 reward points on my HSBC credit card. What is the redemption value in rupees and the best way to use them?
2 Answers
Accepted
14
Hardik Modak·24 Feb 2026
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
16
Diya Hussain·6 May 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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