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.
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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


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2.5% of the withdrawn amount subject to a minimum of Rs. 500.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




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.



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.


No data available


No data available

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