The Hong Kong and Shanghai Banking Corporation (HSBC Bank) is an international bank chain, which incorporated in 1865 by Thomas Sutherland in Hong Kong. This bank’s credit cards have been primarily designed for those who wish to have a touch of luxury along with great discounts and offers. This article elucidates features and benefits on the five best HSBC credit cards currently operating as of 2025, in India.
From offering pre-sale access and complimentary airport lounge access to higher rewards, these cards offer plenty for the customers. Several decent credit cards are available in HSBC’s portfolio, so everyone can find a card suitable for their requirements.
05 Best HSBC Credit Cards in India
1) HSBC Taj Credit Card
Joining Fee: INR 1,10,000/-
Renewal Fee: INR 1,10,000/-
Benefits:
- Get two nights’ breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces when you activate your card.
- Experience the ultimate in luxury, from tailored stays at Taj Hotels to unrivalled privileges that match your lifestyle.
- Exclusive privileges with NeuPass Taj InnerCircle’s Platinum Tier membership.
- Unlimited room upgrades and exclusive savings on stays and dining at participating hotels across the globe.
- Airport lounge access, savings on Emirates flights and limousine transfers.
- Earn 1.5 reward points for every INR100 you spend on standard purchases.
- Earn 5 reward points for every INR100 you spend with Taj, Gateway, Vivanta hotels.
Read More: 05 Best Axis Bank Credit Cards in India
2) HSBC Premier Metal Credit Card
Joining Fee: INR 12,000/-
Renewal Fee: INR 20,000/- (waived off for HSBC customers with a premier relationship)
Benefits:
- From travel to gourmet dining, the HSBC Premier Credit Card offers a range of exclusive benefits.
- Get Taj Epicure membership with offers and benefits across Taj hotels, as well as Taj vouchers worth INR 12,000.
- Foreign exchange mark-up of only 0.99% for all international spending.
- Unlimited airport lounge access (domestic and international), with 8 free international visits for guests.
- Emergency cash withdrawals up to USD 2,000 at any overseas HSBC branch if you lose your card.
- Earn 3 reward points for every INR100 you spend.
3) HSBC TravelOne Credit Card
Joining Fee: INR 4,999/-
Renewal Fee: INR 4,999/- (waived off, if the annual spend is more than INR 8 lakhs)
Benefits:
- This credit card offers instant reward redemption with an extensive selection of airline and hotel partners.
- Get INR 1,000 cashback, an INR 3,000 Postcard hotel voucher and 3 months EazyDiner Prime Membership when you log on to the app and spend INR 10,000 within the first 30 days.
- 15% off domestic and international holiday bookings at Yatra, EaseMyTrip, Paytm Travel and Cleartrip portals.
- You receive 6 domestic, and 4 international airport lounge visits every year.
- Discounts on movies, events and dining with the Zomato app.
4) HSBC Live+ Credit Card
Joining Fee: INR 999/-
Renewal Fee: INR 999/- (waived off, if the annual spend is more than INR 2 lakhs)
Benefits:
- This basic level HSBC credit card offers 10% cashback on dining, food delivery and grocery purchases, (capped at INR 1000 per billing cycle).
- Get INR 1,000 cashback when you spend INR 20,000 within the first 30 days of getting your card.
- 5% unlimited cashback on all other spends, (conditions apply).
- 4 complimentary domestic lounge visits per year (1 per quarter)
- Get 15% off your bill at selected restaurants locally and across Asia, just by showing your card.
Read More: 05 Best Kotak Mahindra Credit Cards in India
5) HSBC RuPay Cashback Credit Card
Joining Fee: INR 499/-
Renewal Fee: INR 499/- (waived off, if the annual spend is more than INR 2 lakhs)
Benefits:
- This entry level Card gives you money back on a wide range of things – use it for your everyday purchases to start earning.
- Get INR 500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR 10,000 within the first 30 days of getting your card.
- Get an INR100 Amazon eGift Voucher when you apply online, verify yourself by video and receive your card.
- Enjoy a 2-month EazyDiner membership when you activate your RuPay credit card.
- Get up to 2 complimentary domestic lounge visits per quarter and 2 international visits per year.
- Link your credit card to UPI apps and enjoy easy direct payments with your card.
These five popular and best rated credit cards by HSBC Bank in 2025 shell out a wide range of privileges across major categories – rewards, travel, fuel, and lifestyle. Your best fit will depend on your habits, annual spend, and which perks you actually plan to use. Choose your preferred option and you can apply by finding more details on Apply for HSBC Credit Cards Online Today – HSBC IN.
FAQs on HSBC Credit Cards
1) How do I check the status of my HSBC credit card?
You will receive timely alerts on the credit card application status by way of an SMS on the mobile number stated on your application form. You may also check the status of your application by calling the customer care (toll free number) to check the status.
2) How long does it take to receive an HSBC Credit Card?
Once the completed application form is received along with all the required documents, it is processed within two weeks. You will receive your new credit card in 7 working days, once the application is approved.
3) How to Apply for an HSBC Credit Card?
You can apply for HSBC Bank credit cards either by visiting the nearest branch or by using the online method with Card Insider. Keep a few documents like a PAN Card and an Aadhaar Card handy as they shall be required while filling out the form.