The key highlights of the lifetime free HSBC Smart Value Card are given below:

Features	Details
Best for	Rewards, cashback & lounge access
Joining fee	Nil
Annual fee	Nil
Rewards	3X rewards on online, dining & telecom categories
Cashback	10% cashback of up to Rs. 1,000
Complimentary airport lounge access	3 complimentary visits at domestic & international lounges or 3 meal vouchers for the use at airport restaurants in India
Welcome gifts	Amazon voucher worth Rs. 500 & Swiggy voucher worth Rs. 250
Minimum income	Rs. 3 Lakhs per annum
Minimum age	18 years

Following are the main HSBC Smart Value credit card benefits and features:

Introductory Offers

• New customers can avail of the following welcome privileges on a minimum transaction(s) of Rs. 2,500 within 30 days of card issuance (valid from 01.012023 till 15.04.2023):
  • Amazon voucher worth Rs. 500
  • Swiggy voucher worth Rs. 250
  • 3 complimentary airport lounge access at domestic and international lounges or 3 AirDine (meal) vouchers at airport restaurants in India.
  • 10.99%p.a. for equated monthly instalment (EMI). Applicable within 90 days from the date of card issuance on loan on the phone, balance transfer on EMI, and cash on EMI.
  • 10% cashback (up to a maximum of Rs. 1,000) in the first 30 days of card issuance on all transactions. The earned cashback is credited within 60 days after completing 60 days from card issuance.

Rewards Benefits

• 1 reward point for spending every Rs. 100. 
• Accumulated reward points can be redeemed against a host of gifts and vouchers available on HSBC’s rewards catalogue.
• Reward points will be valid for 2 years.
• 3X rewards on all spends on online, dining & telecom categories. Limited to 1,000 incremental reward points per month.

Dynamic Annualized Percentage Rate (APR)

• The rate of interest applicable on the Smart Value Credit Card is dynamic, starting from just 3.49% per month (41.88% p.a.) that can go down up to 1.99% per month (23.88% p.a.) depending on the risk profile of the customer. 
• Interest rate is subject to the HSBC Bank's periodic review after 6 months of card issuance and is decided based on the performance of the customer on their existing HSBC products and information regarding other lending products received from the credit bureau.

Joining & Annual Fees

• Joining fees: Nil
• Annual fees: Nil

EMI Products

The HSBC Credit Card provides a convenient way to help you manage your payments, transfer your balances on EMI and also borrow cash with easy instalments at a lower rate of interest. The bank has a host of low-interest EMI options:

• Cash-on-EMI
• Loan-on-phone
• Instant EMI 
• Balance transfer
• Balance conversion

Alliance Offers

• Pickyourtrail Curated deals on luxury hotel stays with an option of ‘book your holiday today and avail it in the future’. Just log on to Pickyourtrail and book now.
• Goibibo: Up to 15% instant discount on the flight, hotel, outstation cab & other travel bookings every Tuesday.
• Cleartrip: Up to Rs. 7,000 instant discount on booking domestic flights & hotels every Friday.
• Akbar Travels: Rs. 200 off on domestic flight booking and the convenience fee (worth Rs. 250) waived off on every ticket booking done on Wednesdays.
• IndiGo: 5% cashback (up to Rs. 750) on Indigo flights.
• MakeMyTrip: Up to Rs. 20,000 savings on hotel & flight bookings every Sunday.
• Yatra: Up to 20% instant discount on travel bookings every Thursday & Sunday till 26 march 2023.
• Qatar Airways: Up to 12% instant discount on booking flights till 7 March 2023 for travel up to 30 June 2023.
• Samsung: Up to 35% discount on mobile phones & accessories.
• Vijay Sales: 7.5% instant discount at Vijay Sales stores & website on using Instant EMI facility till 31 March 2023.
• Croma: Up to Rs. 7,500 savings on a wide range of electronics every week on Saturdays & Sundays.
• Ajio: 10% off (up to Rs. 1,000) on Tuesdays.
• Tata CLiQ: Up to 15% instant discount on select Lifestyle and Luxury products.
• Bigbasket: Flat Rs. 200 off.
• Licious: 10% off (up to Rs. 150). Offer valid once per month on minimum transaction of Rs. 600.
• PVR: 10% off on food & beverages, every day, every time.
• Eazydiner: Up to 30% off.
• Taj - Qmin: 25% instant discount on every home delivery order.
• Zomato: Exciting offers on Zomato dining & food delivery.
• BookMyShow: Buy-one-get-one-free offer on booking movie tickets on Saturdays.

Following are the fees and charges levied on the HSBC Smart Value Card:

• Standard joining fee: Nil.
• Standard annual fee for the first year: Nil.
• Standard annual fee from second year onwards: Nil.
• Standard annual fee on Add-on card: Nil.
• Interest rate: 3.49% per month (41.88% p.a.) onwards; can go down up to 1.99% per month (23.88% p.a.) depending on the customer's risk profile.
• Balance transfer charges: 10.99% to 15.99% p.a. interest rate across tenures & 1.5% (minimum Rs. 200) processing fee.
• Late payment fee: 100% of the minimum due payment (minimum Rs. 400 & maximum Rs. 750 p.m.).
• Foreign currency markup: 3.3%.
• Credit card bill payment at HSBC branches & drop-boxes: Rs. 100.
• Minimum Payment Due (MPD) on credit usage: Minimum Rs. 100.
• Charges for bounced cheque: Rs. 350.
• Transaction fee for cash withdrawal at bank’s branches & ATMs: 2.5% of the transaction amount (minimum Rs. 300).
• Transaction fee for cash withdrawal at overseas ATMs: Rs. 100. 
• Reward points redemption fee: Rs. 50 per request.
• Duplicate statement fee: Rs. 100 per statement older than 3 months.
• Overlimit fee: Rs. 500 per month.
• Charge slip retrieval charge: Rs. 225 per month.
• Card re-issuance: Rs. 100.

You must meet the following eligibility criteria for the HSBC Smart Value Credit Card:

• You must be an Indian resident.
• You must be aged between 18 and 65 years.
• You must be a salaried individual.
• Your minimum annual income should be at least Rs. 4 Lakhs or more.
• This card is only available in select cities in India, including Bangalore, New Delhi, Noida, Mumbai, Chennai, Hyderabad, Gurgaon, or Pune.

You will be required to submit the following documents to apply for an HSBC Smart Value Card along with the filled-in and signed application form: 

• Recent self-attested passport-size photograph.
• A copy of your credit card’s front side along with the latest credit card statement (if you have other credit cards).
• Permanent Account Number (PAN) card/ Form 60.
• Salary slip or salary certificate if you are employed by an MNC.
• A copy of your latest salary slip & bank statements of the last 3 months showing salary credits.
• A copy of any of the following valid photo identity documents (self-attested): 
  • Voter's ID
  • Passport
  • Election ID
  • Aadhaar Card
  • Permanent Driving Licence
  • PAN Card
  • National Rural Employment Guarantee Act (NREGA) job card.
• A copy of any of the following valid address proof documents (self-attested): 
  • Election ID
  • Voter's ID
  • Passport
  • Aadhaar Card
  • Permanent Driving Licence
  • Pipeline Gas Connection Bill
  • Property Tax Bill 
  • Society Outgoing Bill
  • Electricity Bill/ Water Bill/ Telephone Bill
  • Registered Rent/ Lease Agreement
  • Domicile Certificate with address issued by Municipal Corporation
  • Government Employee ID Card
  • Defence ID Card
  • National Rural Employment Guarantee Act (NREGA) job card.

*The list of documents given above is for only reference purposes. The bank may ask for additional documents during the process of credit card application.

You can apply for HSBC Smart Value Credit Card online via visiting the official website of the bank, clicking on the 'Apply now' button and providing all the required details. Alternatively, you can also apply offline by visiting your nearby HSBC branch. 
For instant and hassle-free processing of your credit card application, you can apply online for the card from our website. Just open the ‘Credit Cards’ page, choose a preferred credit card and fill up the available online application form. As soon as you submit your application, our Credit Card experts will contact you to complete the application.