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Percentage Savings range
0.25%-1%
Use on Online spends
Reward Type
Reward Points
Welcome Benefits
Vouchers worth 1000 *
Minimum Income
4,20,000
Lounge Access
Not Available
Rewards
Core Rewards :
- 3% 3X rewards on online and dining
- 1% RP Earn 1 Reward points every Rs. 100 spent.
Milestone Rewards :
- Monthly : N/A
- Quaterly : N/A
- Annual : N/A
No rewards on spends : Fuel, Wallet Load
Rewards Redemption
How to Redeem :
- Cashback in form of Statement Credit
Redemption options : Gift Voucher
Redemption fee : Not Applicable
Transfer partners : N/A
Complementary Benefits
Lounge access :
- Domestic Lounge : N/A
- International Lounge : N/A
- Railway Lounge : N/A
Insurance Benefits :
- Lost card liability : N/A
- Personal accidental insurance : N/A
- Air accidental insurance : N/A
Other Benefits :
- Lounge Membership : N/A
- Memberships Available With Cards : N/A
- Spa Benefits : N/A
Golf Benefits :
- Lessons : N/A
- Games : N/A
Fees
Joining fees : 0
Annual fees : 0
Welcome Benefits : Amazon gift voucher worth Rs. 500, Swiggy voucher worth Rs. 500, and 10% cashback on all spends done within the first 30 days up to Rs. 1,000.
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.50%
Fee reversal criteria : Not Applicable
Eligibility
Minimum age : 21
Minimum ITR : 4,20,000
Minimum Salary : 35,000
HSBC Smart Value Credit Card Welcome Benefits
- Welcome Gifts: New cardholders can enjoy welcome gifts, which may include vouchers, discounts, or cashback offers.
- Waived First-Year Fee: The first-year annual fee is often waived, allowing you to experience the card's benefits without an immediate financial commitment.
- Reward Points: Earn welcome reward points that can be redeemed for various options like shopping vouchers, travel bookings, or cashback.
- Exclusive Discounts: Access exclusive discounts on select partner merchants for shopping, dining, travel, and more.
- Airport Lounge Access: Depending on the card's current promotion, you may receive complimentary airport lounge access.
HSBC Smart Value Credit Card Reward Points/Cashback
- Core Rewards:
- Earn 3X rewards on online and dining expenditures.
- Receive 1 Reward Point for every Rs. 100 spent on retail transactions.
HSBC Smart Value Credit Card Reward Point Redemption
- Redeem Reward Points for gift vouchers and products.
- Each Reward Point can be worth up to Re. 0.35, depending on the chosen option.
- A Rs. 50 fee is applicable for every reward redemption request.
- The card does not offer transfer partners.
Pros of HSBC Smart Value Credit Card
- Reward Points on dining and online spending
- Flexible reward redemption options
Cons of HSBC Smart Value Credit Card
- Limited reward categories
- No movie or dining privileges
HSBC Smart Value Credit Card Benefits
- Fuel surcharge waiver
- Contactless payments
- Zero lost card liability
HSBC Smart Value Credit Card Charges and Fee
- Joining Fee: Rs. 499 (Waived on spending Rs. 10,000 within first 90 days)
- Annual Fee: Rs. 499 (Waived on spending Rs. 50,000 in a year)
- Interest Rate: 3.3% per month (39.6% annually)
- Cash Advance Fee: 2.5% of the transaction amount (Minimum Rs. 300)