Is a HSBC credit card good for frequent travellers?
Vidya Sawant
Asked 31 May 2026
Reviews of HSBC credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for first-time credit card users?
2 Answers
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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