Get premium benefits with HSBC Rewards Structure and Redemption

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Improve your living experience with this credit card.

The HSBC Credit Cards provide amazing benefits which enhance your overall experience of using a credit card. The cardholders get some premium benefits like fuel surcharge waiver, balance transfer on EMI, emergency card replacement and much more. Apart from these benefits, you can also get attractive rewards in the form of welcome gifts, annual rewards, discount offers from various brands, and much more.

You can redeem the HSBC reward points for shopping products from the rewards catalogue, gift vouchers, and airmiles. Read this article to know more about the reward points on different HSBC Credit Cards and the methods to redeem those reward points.

How Do I Earn Reward Points on HSBC Credit Card?

The HSBC Rewards Program is open for all HSBC primary cardholders. The cardholder can earn accelerated reward points on dining, hotel bookings and online transactions on HSBC Credit Card. The number of reward points earned varies from one card to another. The table below describes the reward points earned on different HSBC Credit Cards.

Credit CardReward Points
HSBC Visa Platinum Credit Card2 reward points for every INR 150 spent

3X reward points on dining, hotels and telecom for the first 12 months from the date of issuance
HSBC Premier Mastercard Credit Card2 reward points for every INR 100 spent
HSBC Advance Visa Platinum Credit Card2 reward points for every INR 150 spent.
3X reward points on online purchases for the first 24 months from the date of card issuance
HSBC Smart Value Credit Card1 reward point for every INR 100 spent
HSBC Gold Credit Card1 reward point for every INR 100 spent
HSBC Classic Credit Card1 reward point for every INR 250 spent

How Do I Earn Reward Points on HSBC Credit Card?

The rewards accrued on HSBC Credit Card can be redeemed in the following methods:

Online Rewards Redemption

  1. Visit the online rewards catalogue of HSBC Bank.
  2. You can browse through all the categories available in the rewards catalogue.
  3. Select the product which you wish to purchase and add it to the shopping cart.
  4. Click on ‘Redeem Now’ and confirm your redemption.

Rewards Redemption on Call

You can also call the customer service of HSBC Credit Card on this number 1860 108 7788/ 1860 500 2277 and submit a request for rewards redemption.

Rewards Redemption by Post

You can download the Rewards Redemption Form from here, fill it and send it to the bank via post at given address – ‘HSBC Card Products Division, Post Bag No. 5080, Chennai – 600028’.

What Are My Options to Redeem Points on HSBC Credit Card?

The HSBC Bank offers the following redemption options to redeem your reward points:

Rewards Catalogue

If you are a primary cardholder, you can redeem the reward points by shopping for products available in the rewards catalogue. The gifts will have the warranty information as described by the manufacturer.

Gift Vouchers

You can redeem the reward points against the gift vouchers listed in the rewards catalogue or you can also exchange the gift vouchers against cash. The gift vouchers have to be utilized before the end of validity period.

Air Miles

The reward points on HSBC Credit Card can also be converted to air miles. The HSBC Credit Cardholders have the option of redeeming their reward points against KrisFlyer Miles. 1 reward point is equal to 1 KrisFlyer mile.

Frequently Asked Questions (FAQs)

What is the validity of reward points on HSBC Credit Card?

The reward points earned on HSBC Credit Card are valid for a period of 2 years.

If I have multiple HSBC Credit Cards, can I combine reward points on different cards?

Yes, if you have more than 1 HSBC Credit Card, you can combine the reward points of all these cards at the time of redemption.

What can I do if I have received a damaged product?

If you have received a damaged product, you can return the product within 3 days to the nearest branch of HSBC Bank. If the bank finds the product to be defective, they will either replace the product or refund the reward points.

What are the charges for rewards redemption?

The HSBC Bank charges a rewards redemption fee of INR 50.

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