HSBC Smart Value Credit Card 2025
Get over ₹20,000+ value with 5% Amazon + 3% groceries + often LTF!
Best entry-level cashback card! HSBC Smart Value gives 5% unlimited cashback on Amazon & Flipkart, 3% on groceries & fuel, 1.5% on everything else and frequently comes as Lifetime Free.
Perfect for online shoppers & daily spends!
Why Choose HSBC Smart Value in 2025?
5% Amazon/Flipkart • 3% groceries/fuel • Often LTF • Direct cashback • Low forex
Best for: Online shopping, groceries, fuel, beginners
Card At a Glance
₹499 + GST
₹499 + GST (Often LTF)
5% Unlimited
3% Unlimited
1.5%
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (often waived/LTF) |
| Amazon & Flipkart | 5% cashback |
| Groceries & Fuel | 3% cashback |
| All Other Spends | 1.5% cashback |
| Cashback Cap | None |
Detailed Reward Rates (2025)
- 5% unlimited cashback on Amazon & Flipkart
- 3% unlimited cashback on groceries & fuel
- 1.5% unlimited cashback on all other spends
- Cashback credited monthly as statement credit
- No reward points – pure cashback
Airport Lounge Access
No complimentary lounge access – Focus on cashback
Insurance & Protection Benefits
- Zero lost card liability
- Purchase protection up to ₹50,000
- HSBC global acceptance
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on Amazon/Flipkart | No lounge access |
| 3% groceries & fuel | ₹499 fee (though often LTF) |
| 1.5% on everything else | 3.5% forex markup |
| Often LTF offers |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹4 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, Salary Slip / ITR
How to Apply Online (3-Minute Process)
- Visit HSBC India website
- Select Smart Value → Apply Now
- Fill details & upload documents
- Video KYC
- Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
Best beginner cashback card! 5% Amazon + 3% groceries/fuel + often LTF = ₹20K+ value/year. Must-have if you shop online or spend on daily essentials!
Frequently Asked Questions (FAQs)
5% Amazon pe unlimited?
Yes! No cap on cashback.
LTF offer milta hai?
Yes! Frequently available on application.
Cashback statement credit?
Yes! Direct reduction from bill.