HSBC Smart Value Credit Card

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The HSBC Smart Value Credit Card is one of the most popular lifetime free credit cards in India. It has no annual or joining fee and offers some great welcome benefits, such as free airport lounge access, a ₹500 Amazon gift voucher, up to ₹100 cashback on Google Pay, and up to ₹1,000 cashback on retail purchases within the first 60 days. This card lets you earn up to 3 Reward Points for every ₹100 spent. You can redeem these points for various rewards from the HSBC Rewards catalogue. While it doesn't offer many premium benefits, it's a good option for people new to using credit cards.

Another feature of this card is its flexible interest rate, ranging from 1.99% to 3.49% per month, depending on your credit history. If you have a good credit score, you may get a lower interest rate, while a low score could result in a higher rate. To learn more about the features, benefits, fees, and charges of the HSBC Smart Value card, check out the full details.

Credit Card Detail
HSBC Smart Value Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
You get 3 free airport lounge visits, a ₹500 Amazon gift voucher, 10% cashback up to ₹1,000, and a 50% discount on Google Pay.
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Rewards Rate
1 Reward Points for every Rs. 100 spent on retail transactions and 3x RPs on dining, telecom categories, and all online spends.
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.
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
1.99% to 3.49% per month.
Spend-Based Waiver
N/A
Rewards Redemption Fee
Rs. 50 per redemption request.
Cash Advance Charges
2.5% of the withdrawn amount subject to a minimum of Rs. 500.

Foreign Currency Markup
3.50% +GST
Fuel Surcharge
1% fuel surcharge waiver on all fuel transactions.
Card Details
  • ₹500 Amazon voucher on paying the annual fee
  • 10% cashback up to ₹1000 within the first 60 days
  • 3X rewards on online, dining, and telecom spends
  • 10.99% interest on EMI products booked within the first 90 days
  • ₹200 movie ticket voucher for spending over ₹15,000 in a calendar month (up to ₹1200/year)
  • Fuel surcharge waiver
  • Lifetime free credit card
  • 10% cashback up to ₹1,000 within the first 30 days of card membership
  • Earn up to 3 reward points for every ₹100 spent
  • Complimentary airport lounge access as an introductory offer
  • ₹500 Amazon gift voucher as a welcome benefit
  • Interest rates vary based on credit history
  • Cashback offers for reaching monthly spending milestones
  • 1% fuel surcharge waiver
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Frequently Asked Questions

Yes, the HSBC Smart Value Credit Card doesn’t have a joining fee. If you spend over ₹50,000 in a year, the renewal fee for the next year is waived. If not, you'll be charged ₹499 + GST.

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