HSBC Smart Value Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
23.88% ‐ 35.88% (10.99% for the first 90 days)
Balance Transfer
1 point
Signup Bonus

Am I eligible?

HSBC Smart Value Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of India

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.


Interest Rates
Regular APR Interest Rate 23.88% ‐ 35.88% (10.99% for the first 90 days)

Balance Transfer Interest Rate
Cash Advance Interest Rate 23.88% ‐ 35.88%
Rates & Fees
Annual Fee ₹499.00

Waived off for annual spends of ₹ 50,000 or more

Balance Transfer Fee
Cash Advance Fee 2.5%

Minimum of ₹ 300

Foreign Transaction Fee 3.5%
Over Limit Fee ₹500.00
Late Payment Fee ₹70.00


Sign up bonus

- Get ₹2000 Cleartrip voucher & ₹250 Amazon Gift Voucher on first transaction of any amount within 30 days of credit card issuance.

- Get 10% cashback for making a minimum of 5 purchase transactions, totalling to ₹5,000 or more during the first 60 days of issuance subject to a maximum cashback of ₹1000.

All Purchases 1 point per ₹100 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

- Earn 3 Times Rewards (3X) on all spends on online, dining, and telecom categories. (Capped at 1000 incremental Reward Points per month)

- Receive Amazon Vouchers worth ₹500 on payment of annual fee.

- Receive ₹200 BookMyShow voucher on spending more than ₹15,000 a month

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Lost Credit Card Liability

- Get fuel surcharge waiver of ₹250 every calendar month, at any of the fuel filling stations across India for transactions between ₹400 – ₹4000

Minimum Security Deposit ₹0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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