If you have been struggling to find a credit card with easy approval, numerous benefits, and a fully online application process, we have a great option for you: HSBC Credit Card.
Stay with us until the end of this article and learn how to increase your chances of approval and have your credit card approved in minutes.
We will give you all the guidelines on how to get your HSBC credit card, all the requirements and the limits and benefits that are released.
HSBC Credit Cards
HSBC Bank offers credit cards with benefits suited to the varied needs of the individuals. With the right HSBC credit card, you can avail cashback on online shopping, complimentary movie vouchers, reward points on all spends and more. Here is all you need to know about HSBC Credit Cards to find which of these cards would be the best fit for you.
HSBC offers a variety of lifetime free Credit Cards tailored for the requirement of all categories of customers. The cards are loaded with amazing features & benefits, including zero joining & annual fees, attractive cashback and credit limits.
HSBC Credit Card Features
Balance transfer facility: Balances in other bank cards can be transferred to HSBC Credit Card at a lower interest. Interest rate ranging from 10.99% to 15% depending on the tenure chosen.
Conversion to EMI: Big purchases made on the Credit Card can be converted in EMI and paid in instalments.
Instant replacement of lost card: You can use the Visa Global Assistance service or HSBC helpline and get the lost card cancelled and an emergency replacement card will be issued within 3 days anywhere in the world.
Loan against credit card: HSBC offers instant loan against Credit Card. An instant cash advance is available with minimum documentation.
Zero liability for lost cards: No liability for transactions made after reporting and registering the lost card to HSBC.
HSBC Credit Cards Benefits
- Zero joining fees;
- Zero annual fees;
- Balance Transfer on EMI;
- Cash-on-EMI;
- Loan-on-Phone.
HSBC cards are enabled with VISA Paywave technology which allows contactless payments on credit card.
HSBC Credit Cards Eligibility
The following are the eligibility criteria for the different categories of HSBC Credit Cards:
Eligibility for HSBC Visa Platinum Credit Card
- The age of the applicant should be between 18 and 65 years.
- Minimum annual income should be Rs. 4,00,000 for salaried persons.
- Applicant should be resident Indian residing in New Delhi, Gurgaon, Noida, Bangalore, Hyderabad, Chennai, Mumbai, or Pune.
- The applicant should have a good credit score.
Eligibility for HSBC Smart Value Credit Card
- The age of the applicant should be between 18 to 65.
- Should have a regular source of income.
- Applicant should be a resident Indian.
- The credit score of the applicant should be good.
Eligibility for HSBC Premier Mastercard Credit Card
- The card is offered only to Premier Customer.
- For the HSBC Premier relationship, the customer has to maintain a Total Relationship Balance of Rs. 4,00,000 quarterly.
- The applicant should have a mortgage relationship with the disbursal of Rs. 1,15,00,000 or more with HSBC India or the applicant should have an account with a net monthly salary credit of Rs. 3 Lakhs under the HSBC Corporate Employee Programme.
Eligibility for HSBC Advance Visa Platinum Credit Card
- This card is offered only to HSBC Advance Customers.
- To obtain the Advance Customer relationship, the customer has to maintain a Total Relationship Balance of Rs. 5,00,000 in a quarter.
Eligibility for HSBC Cashback Credit Card
- Applicant must be aged between 18 to 65 years.
- Annual income of salaried applicants must be minimum Rs. 4,00,000 p.a.
- Applicant must be an Indian resident residing in Bangalore, Chennai, Hyderabad, Mumbai, Gurgaon, New Delhi, Noida, or Pune.
How to Get Approved for an HSBC India Credit Card
Getting approved for a credit card can be a straightforward process if you understand the requirements and prepare accordingly. This guide provides insights on how to increase your chances of approval for an HSBC India credit card.
Understanding Your Credit Score
- Know Your Score: Understand the importance of your credit score in the application process. A higher score generally means a better chance of approval.
- Improving Your Score: Tips on how to improve your credit score, such as paying bills on time and reducing outstanding debt.
Eligibility Criteria
- Income Requirements: Outline the minimum income requirements set by HSBC India for credit card approval.
- Age Limit: Discuss the age criteria for applicants.
- Employment Type: Explain how your employment status (salaried, self-employed, etc.) affects your eligibility.
Necessary Documentation
- Proof of Identity: List of acceptable documents for proving your identity (e.g., PAN card, Aadhaar card).
- Proof of Income: Documents required to prove your income (e.g., salary slips, income tax returns).
- Residence Proof: Types of documents accepted for proof of residence.
Choosing the Right Card
- Types of Cards: Overview of different HSBC credit cards and their benefits.
- Selecting a Card: Tips on choosing a card that matches your lifestyle and spending habits.
Application Process
- Online Application: Step-by-step guide on how to apply online.
- Offline Application: Information on how to apply through a branch or over the phone.
- Application Tracking: How to track the status of your application.
Post-Application
- Response Time: Typical time taken by HSBC India to respond to your application.
- If Approved: Next steps after approval, such as receiving and activating the card.
- If Denied: Understanding possible reasons for denial and how to improve your chances in the future.
Conclusion
Applying for an HSBC India credit card is a process that requires understanding your financial standing and meeting the bank’s requirements. With the right preparation, you can increase your chances of approval and enjoy the benefits of an HSBC credit card.
In conclusion, while this guide aims to provide a comprehensive overview of the steps and considerations for applying for an HSBC India credit card, it’s always best to get the most current and detailed information directly from the source.
For the latest updates, specific card details, and to begin your application process, we strongly encourage you to visit the official HSBC India website. Simply click on the “ACCESS THE OFFICIAL WEBSITE” button below to get started.
There, you’ll find all the resources you need to make an informed decision and take the next step towards obtaining your HSBC India credit card.
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