HSBC · Visa · Standard

Smart Value Credit Card

3X on dining, 5X on travel bookings; low annual fee

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Top benefits

5X on travel
5 reward points per Rs.100 on flight and hotel bookings.
3X on dining
3 reward points per Rs.100 on all dining transactions.
Fuel surcharge waiver
1% fuel surcharge waiver at all petrol stations.
Annual fee waiver
Annual fee waived on spending Rs.50,000 in a year.

Common questions

What is the annual fee?

Rs.499 + GST, waived on Rs.50,000 annual spend.

Is HSBC Smart Value good for beginners?

Yes — low fee, easy waiver condition, and rewards across everyday categories.