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HSBC Smart Value Credit Card

HSBC

HSBC Smart Value Credit Card

rupaybasiccreditshoppingonline

Annual Fee

FREE

Base Reward

1% points

Foreign Markup

3.5% on all foreign currency transactions

4.1/5

Welcome Benefits

Amazon gift voucher worth Rs. 500, 10% cashback up to Rs. 1,000, 3 complimentary airport lounge access, 50% discount on Google Pay

Product Highlights

  • Lifetime free credit card
  • Earn up to 3 Reward Points on every spend of Rs. 100
  • Variable interest rates

Category Rewards

shopping

1 Reward Point for every Rs. 100 spent

1 Reward Point for every Rs. 100 spent

dining

3 Reward Points on dining

3 Reward Points on dining

Fee Waiver

Lifetime free

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Amazon

Amazon

online

3 Reward Points

Rewards Details

Earn 1 Reward Point for every Rs. 100 spent on retail transactions and 3 Reward Points on dining, telecom categories, and all online spends.

Reward Points — Redemption Value
  • 1 Reward Point = up to Re. 0.35

Benefits & Features

Domestic: 3 complimentary airport lounge access International: 3 complimentary airport lounge access Complimentary lounge access as an introductory offer

Pros & Cons

Pros

  • Lifetime free credit card
  • 10% cashback up to Rs. 1,000 within the first 30 days
  • 1% fuel surcharge waiver

Cons

  • Limited premium benefits
  • Only available for salaried individuals

Additional Info

The Reward Points are valid for two years from the accrual date.

Partner Merchants

Amazon

Fees & Charges

Annual FeeFREE
Joining FeeNil
Fee WaiverLifetime free
Foreign Markup3.5% on all foreign currency transactions
Interest Rate1.99% to 3.49% per month
Cash Advance2.5% of the withdrawn amount subject to a minimum of Rs. 500
Redemption Fee₹50 per redemption request

Eligibility

Min Age

18 yrs

Salaried

₹4.0L+

Networks

rupay