HSBC India Credit Cards, Loans & Savings Accounts 2026
This page brings together every HSBC India product we track — 2 credit cards, 1 loans. Use it to see how HSBC India's interest rates, fees and eligibility stack up before you visit the bank's official website.
HSBC India Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| HSBC Cashback Card | ₹750 + GST | Pure Cashback | 4.4 |
| HSBC Smart Value | Lifetime Free | Online Shopping | 4.2 |
HSBC India Personal loans
HSBC India Personal Loan
- Interest Rate
- 9.75% - 15.00%
- Loan Amount
- ₹1,00,000 - ₹30,00,000
- Tenure
- 12 - 60 months
- Processing Fee
- Up to 1.50%
HSBC offers the lowest starting rate at 9.75% — but this is reserved for premium customers with high income and excellent credit scores. Instant approval for existing HSBC account holders makes the process seamless. The ₹40K/month salary requirement means it exclusively targets upper-income professionals.
HSBC India: frequently asked questions
Which is the best HSBC India credit card?
Among the 2 HSBC India cards we review, the HSBC Cashback Card has our highest rating (4.4/5) and is best for pure cashback. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does HSBC India offer a lifetime free credit card?
Yes. HSBC Smart Value has no joining or annual fee.
What is the HSBC India personal loan interest rate?
HSBC India personal loans are offered at 9.75% - 15.00% per annum for amounts of ₹1,00,000 - ₹30,00,000 and tenures of 12 - 60 months. The processing fee is Up to 1.50%. Your exact rate depends on your credit score, income and employer.