At a Glance
Key Benefits
Reward points, fuel surcharge waiver, easy EMI conversion
Lounge Access
No lounge access
Eligibility
Salaried: Rs 25,000+/month, Age: 21-60 years, CIBIL: 700+
Quick Details
Annual Fee
₹499
#75
Joining Fee
₹499
#78
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.17
#297
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹25
Network VISA
Late Payment Fee ₹500
Cash Advance Fee 2.50% (min ₹300)
Fee Waiver on Spend ₹60,000/yr
Reward Structure
Base
All Spends
₹0.17 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned333
Cash Value₹83
Breakdown
Other Spends333
Total Value₹83
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Quick Analysis
The HSBC HSBC Smart Value is a solid credit card option. With an annual fee of ₹499, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹60000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is HSBC Smart Value annual fee?
Rs 499, waived on Rs 60,000 annual spend.
Is Smart Value good for beginners?
Yes, it is an affordable entry-level card with basic rewards.
What rewards does Smart Value offer?
1 point per Rs 150 spent on all categories.
Is there fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on fuel transactions.
What is the minimum income for Smart Value?
Minimum Rs 25,000/month salaried income.
User Reviews
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