Joining Fee:
FREE
Return Percentage:0.5% to 1%
Credit Card Overview
A SmartValue card from HSBC offering accelerated rewards on online spends, EMI flexibility, and milestone-based vouchers for everyday transactions.
Best Suited For: Cashback
HSBC
Fees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
- Reward rate
- 0.5% to 1%
- Forex markup
- 3.5%
- Interest rate
- 41.88% p.a.
- Add-on card
- Free
Nothing to pay each year
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HSBC Smartvalue credit card — Earn Categories
Other categories
- Online3 reward points / ₹100
A maximum of 1,000 incremental RPs can be earned per month.
- Telecom & CableTelecom & Cable · Telecom & Cable3 reward points / ₹100
A maximum of 1,000 incremental RPs can be earned per month.
Everyday rate
- Base Rewards1 Reward Point (reward points) / ₹100
1 more earning category on this card
We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Utilities
- Wallets
- Fuel
- Jewellery
- Rent