HSBC
HSBC Smart Value Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
3.5% on all foreign currency transactions
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
Specialty
3X on Online + Dining + Telecom
3X
dining
3X on Online + Dining + Telecom
3X
Specialty
3X on Online + Dining + Telecom
3X
Fee Waiver
Lifetime free
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
3 Reward Points
Reward Calculator
Earns ₹570/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
2.3K
HSBC Reward Points
₹570
via statement credit · ₹0.25/pt
Effective rate
0.37%
Annual fee
FREE
Year 1 net
+₹570
Year 2+ net
+₹570
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
3X on Online + Dining + Telecom
Headline: 0.75% effective
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.
- 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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹4.0L+
Networks
Fee Waiver
Lifetime free