HSBC Credit Cards are of two types. There is the HSBC Gold credit card and the HSBC Classic credit card. These cards offer unique money saving features. They also offer excellent time management services.
For the person on move, the HSBC credit cards are convenient and trendy.
At present, the charge levied for currency conversion has become 3.5%, effective starting January 15th, 2008. Earlier, when one used HSBC Credit Cards for currency conversion, the charge levied for the purpose was 3% of the value of transaction.
HSBC is also offering cash back of Rs 250 for online application of HSBC Gold Credit Cards. However, there are certain conditions which have to be fulfilled to receive this offer.
Additional Features of HSBC Credit Cards:
- In today's fast moving world, both time and money are precious. The saying goes that, time is money. Time also has a high opportunity cost. HSBC comprehends this and provide tailor made solutions through its various product services. The HSBC products save both time and money.
- The benefits of HSBC credit cards include, a nil fuel surcharge, low interest rates, balance transfer facilities, approval of credit through phone, and the like. Online banking facilities are also provided to the customers.
- The company offers services like pick up facilities for repayment checks. This is especially helpful for senior citizens or for someone who is sick.
- HSBC India Gold credit card offers facilities for cash advance. The customers can gain access to cash 24 hours a day, anywhere in the world. HSBC offers a network of around one million ATMs globally.
- HSBC also offers provision for gifting credit cards to family members. A maximum of up to 3 additional credit cards can be provided by the bank on application.
- HSBC Gold credit card holders get a life insurance cover of Rs.40,000. The TATA-AIG Life Insurance Company Ltd partners HSBC in this life insurance venture.
- Last, but not least, the issue of HSBC Credit Cards is under the sole authority of The Hong Kong and Shanghai Banking Corporation Limited, India (HSBC).
Rules Regarding Loss of HSBC Credit Cards
The customer is expected to report the loss of credit cards as early as possible to the bank. This can be done either through writing or by dialing the international emergency assistance help lines of VISA/Master Card. After the information regarding card loss has reached HSBC, no liability remains on the part of the customer regarding the lost credit card.
