Get rewarded for your spends with 10X and 5X Membership Rewards® Points respectively at select merchant partners
Cashback of Rs. 500 on eligible spends of Rs. 10,000 in the first 90 days of Cardmembership
Renewal Fee waiver on spends of Rs.40,000 and above in the previous year of Card-membership
Nil joining and annual fees
As welcome offer, when applying for the credit card online and verifying yourself, obtain an Amazon e-gift voucher worth Rs. 250. Spend at least Rs. 5,000 in the first 30 days and win Amazon vouchers worth Rs. 500 (Introductory offers are valid from 1 Jan 2024 till 30 June 2024)
Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
Avail 2 Reward points for every Rs. 150 spends
Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
Zero liability for lost cards- Get insurance coverage for any misuse of the card from 24 hours before reporting it lost, up to Rs. 300,000
Transfer outstanding balances from other bank credit cards to HSBC credit card and repay in easy monthly installments at a lower interest rate
Get exclusive access to discounts with selected partners
If the credit card gets lost, simply cancel it and the bank will issue an emergency card anywhere in the world – it'll only take 3 days
Cardholder can also be able to take out cash advances, get global access to its accounts, and manage its money on-the-go with 24/7 online access to its account
Editor's Review
Pros
Convert spends into easy monthly instalments with the American Express EMI
Avail 5X Membership Rewardsby transacting on Amazon, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and many more and get 5X rewards for every Rs.50 spent
Avail 1 Membership Rewards Point for every Rs. 50 spent except on the spends for Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale
Cons
No Golf/coaching sessions
No complimentary Airport Lounge access
High-interest rates
Pros
Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
Cons
No Airport Lounge access
No Golf benefits
More comparisions with American Express SmartEarn™ Credit Card