HSBC India Credit Cards 2026
Foreign bank with cashback, travel and premier-relationship cards. Compare 5 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 28 September 2026HSBC India credit cards
Best HSBC India card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Cashback | HSBC Live+ | ₹999 | Dining & grocery cashback |
| Rewards | HSBC Premier | ₹20,000 | HSBC Premier banking customers |
| Travel | HSBC Premier | ₹20,000 | HSBC Premier banking customers |
| Lounge access | HSBC Premier | ₹20,000 | HSBC Premier banking customers |
| Fuel | HSBC Visa Platinum | Free | Lifetime-free starter card |
| Lifetime free | HSBC Visa Platinum | Free | Lifetime-free starter card |
| Premium | HSBC Premier | ₹20,000 | HSBC Premier banking customers |
| RuPay on UPI | HSBC RuPay Cashback | ₹499 | UPI + dining cashback; 0% forex promo till 31 Dec 2026 |
Compare all HSBC India cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| HSBC Premier | ₹12,000 / ₹20,000 | 3.00% base value | Unlimited domestic & international + 8 guest visits | 0.99% | -₹14,600 |
| HSBC Live+ | ₹999 / ₹999 | 1.50% base value | 2 domestic + 1 international/year | 1.99% | ₹4,500 |
| HSBC RuPay Cashback | ₹499 / ₹499 | 1.00% base value | 2 domestic/quarter + 2 international/year | 0.00% | ₹3,000 |
| HSBC Visa Platinum | Free / Free | See card page | — | — | — |
| HSBC TravelOne | ₹4,999 / ₹4,999 | See card page | 6 domestic + 4 international/year | — | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Credit cards & personal banking toll-free (6:30am-8:30pm) | 1800 267 3456 / 1800 121 2208 |
| From abroad | +91 40 6511 8002 / +91 22 7172 8002 |
| Premier (24x7) toll-free | 1800 266 3456 / 1800 120 4722 |
| NRI from overseas | +91 40 6511 8007 / +91 22 7172 8007 |
| WhatsApp (general queries) | +91 86558 58111 |
Bill payment
- HSBC online banking / mobile app
- NEFT: IFSC HSBC0400002, account = 16-digit card number
- BillDesk (billdesk.com/hsbccard)
- PayU
- Visa Money Transfer
- Standing instruction from HSBC account
Eligibility
| Criterion | HSBC India |
|---|---|
| Age | Salaried 18-65; self-employed 25-65 |
| Income | Rs 6 lakh p.a. salaried; Rs 12 lakh p.a. self-employed; resident of listed cities |
| Documents | Latest salary slip, Identity proof, Residence proof, PAN |
Frequently asked questions
Which HSBC India credit card is best?
It depends on how you spend. By base reward value, HSBC Premier ranks first among the cards we track; for no fees, HSBC Visa Platinum. Use the comparison table and the value calculator on each card page.
What is the HSBC India credit card customer care number?
Credit cards & personal banking toll-free (6:30am-8:30pm): 1800 267 3456 / 1800 121 2208; From abroad: +91 40 6511 8002 / +91 22 7172 8002.
How do I pay my HSBC India credit card bill?
HSBC online banking / mobile app; NEFT: IFSC HSBC0400002, account = 16-digit card number; BillDesk (billdesk.com/hsbccard).
What is the eligibility for a HSBC India credit card?
Age Salaried 18-65; self-employed 25-65. Income: Rs 6 lakh p.a. salaried; Rs 12 lakh p.a. self-employed; resident of listed cities.
Compiled from HSBC India’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with HSBC India.