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HSBC

HSBC Smart Value Credit Card

VisaMidCashback
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Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹999
Annual FeeFree(waived ≥ ₹2,00,000)

Rewards

Reward TypeCashback
Base Rate0%
Point Value₹1/point

Category Multipliers

dining5%(cap ₹500)grocery5%(cap ₹500)telecom5%(cap ₹500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkVisa

Similar Cards

CRED Mint Amex (95%) →IDFC First Classic Credit Card (94%) →IDFC First Millennia Credit Card (94%) →IDFC FIRST Viva (94%) →Paytm SBI Credit Card (94%) →

💡 Fee Waiver Strategy

Spend more than ₹200,000 in the financial year to waive the annual fee.

🎯 Pro Tips

  • ▸Maximize cashback by spending on categories with higher rewards.
  • ▸Pay your bill on time to avoid late fees.
  • ▸Utilize the interest-free period for better cash flow.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹12,000

Effective Rate

1.0%

Ranked #61 of 173 cards#61

🏷️ Best For

cashbackshoppinglifestyle