HSBC Smart Value Credit Card

Joining Fee: Nil
Renewal Fee: Nil
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: 3 complimentary airport lounge access, an Amazon gift voucher worth Rs. 500, 10% cashback up to Rs. 1,000, and 50% discount on Google Pay.

Apply Now

Add to Compare

The HSBC Smart Value Credit Card is among the most popular lifetime free credit cards in the Indian market. It comes with a zero annual & joining fee and provides its customers with several exciting welcome benefits, including complimentary airport lounge access, an Amazon gift voucher worth Rs. 500, up to Rs. 100 cashback on Google Pay, and up to Rs. 1,000 cashback on retail transactions within the first 60 days. Talking about its reward program, it earns you up to 3 Reward Points on every spend of Rs. 100. These reward points can be redeemed against an array of options available at the HSBC Rewards catalogue. However, you don’t get many premium benefits with this card, but it can still be considered a great option for people who are new to the world of credit cards. Another great thing about this credit card is that it comes with a dynamic interest rate which can be 1.99% per month to 3.49% per month depending on the credit history of different individuals. You might get a lower interest rate if you have a very good credit profile and higher if your credit score is low. To understand the detailed features & benefits of the HSBC Smart Value card, and its fees & charges, go through the complete article:

New Features

Spend Based Waiver

Interest Rates

1.99% to 3.49% per month.

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 50 per redemption request.

Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions.

Foreign Currency Markup

3.5% on all foreign currency transactions.

Cash Advance Charges

2.5% of the withdrawn amount subject to a minimum of Rs. 500.

Movie & Dining

Travel

International Lounge Access

Rewards Rate

1 Reward Points for every Rs. 100 spent on retail transactions and 3x RPs on dining, telecom categories, and all online spends.

Golf

Insurance Benefits

Reward Redemption

You can redeem the reward points via the HSBC Rewards portal with the value of 1 Reward Point = up to Re. 0.35.

Domestic Lounge Access

Zero Liability Protection

Zero liability of the cardholder for fraudulent transactions taking place post the loss or theft of the card is the same is reported to the bank within the prescribed time frame.

Pros

No data available

Cons

No data available

Similar Cards

Add to Compare

Yes Bank First Exclusive Credit Card

The First Exclusive credit card is a high-end offering by Yes Bank. It can be considered a direct competitor to HDFC’s most premium Infinia credit card. The card comes with complimentary access to both international as well as Domestic airport lounges. Apart from that, what makes this card such a lucrative offering in the premium segment is one of the lowest foreign currency markups by industry standards (1.75%). But that’s not it, since it is a very premium card, you also get many other benefits like 24×7 concierge service, complimentary rounds of golf, Priority Pass membership, and movie ticket bookings at a discounted rate. Read the article for further information about this card.

Add to Compare

First Citizen Citi Credit Card

The First Citizen Citi Credit Card comes with exciting offers on shopping, travel, and several other categories. Being one of the basic Citibank credit cards, it comes with an annual fee of just Rs. 500 and provides great welcome benefits, including First Citizen Reward Points worth Rs. 300, and many more. You get 2 First Citizen reward points on every Rs. 200 spent on all purchases, and upto 7x reward points on making purchases at shoppers’ stop. The reward points you earn can be easily redeemed against a variety of products or at the Shoppers stop, where 1 First Citizen RP = Rs. 0.60, i.e., 10 reward points will give you 6 rupees, which is not at all bad. Other than shopping benefits, this card provides exciting discount offers on shopping, etc. Spend based annual fee waiver is also provided, according to which you get your annual fee waived off on spending over Rs. 30,000 in the previous year. The First Citizen Citi credit card can provide you with various other benefits as well. To know all of them, keep reading the detailed information given below:

Add to Compare

Indian Oil Axis Bank RuPay Credit Card

Indian Oil Axis Bank Credit Card is a co-branded fuel credit card issued by Axis Bank in collaboration with IOCL (Indian Oil Corporation Limited). The card aims to provide great saving opportunities to those who spend very often on fuel. It is an entry-level card and hence comes with a nominal joining and annual fee of Rs. 500. The card offers a particularly high reward rate of 5% on fuel spends at IOCL filling stations and a decent reward rate of 1% on online spends. Being an entry-level credit card, although it doesn’t offer many additional benefits, you, however, do get dining and movie benefits with instant discounts on movie tickets and discounted rates at partner restaurants under the bank’s Dining Delights Program. Other than this, the cardholders get fuel surcharge waivers and many more benefits with the IndianOil Axis Bank Credit Card. Learn more about the entry-level co-branded credit card offered by Axis Bank and IOCL.

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all