Frequently Asked Questions (FAQs) on Credit Cards …

1 Frequently Asked Questions ( faqs ) on Credit Cards 1. Which HSBC Credit Cards can I apply for? HSBC Credit Cards have been designed to complement your lifestyle. We currently offer Credit Cards which extend a host of offers ranging from travel privileges to dining, shopping and more. Please visit the Credit Cards section on our website for details on the various Credit Cards we offer, product features, benefits and the eligibility What documentation do I need to provide when applying for an HSBC Credit Card? Self-attested recent passport size photograph of the applicant Self-attested copy of a valid photo identity document (please refer to the list below for details) Self-attested copy of your residence address proof (please refer to the list below for details) Self-attested copy of the latest salary slip or income tax returns or Form 16 Please note that the original documents need to be originally sighted and verified by a bank official.

2 KYC Documents Proof of Identity (any one) Passport Election/Voter s ID Permanent driving licence Permanent Account Number (PAN) card Aadhaar card National Rural Employment Guarantee Act (NREGA) job card Proof of Address (any one) Passport Election/Voter s ID Permanent driving licence Society outgoing bill (only from registered societies) Electricity/Water/Telephone bill Gas bill (pipeline connection only) Property tax bill Domicile certificate with address issued by Municipal Corporation Registered rent/lease agreement (registered with state government or similar registration authority) Government employee ID card Defence ID card Aadhaar card National Rural Employment Guarantee Act (NREGA) job card If the address on the document submitted as Proof of Identity (PI) by you is the same as that declared by you in the Account Opeing Form (AOF)/Card Application Form (CAF), the document may be accepted as a valid proof of both identity and address.

3 If the address indicated on the document submitted for PI differs from the address mentioned in the AOF/CAF, a separate Proof of Address is How do I apply for an HSBC Credit Card? To apply for an HSBC Credit Card you can: Visit the Credit card section on our website Simply click the Apply Now icon to initiate your application or Call our HSBC PhoneBanking numbers and we will arrange for a representative to visit you or Visit the nearest HSBC branch in India4. I have applied for an HSBC Credit Card, how can I check on the status of this? You will receive timely alerts on the Credit card application status by way of an SMS on the mobile number stated on your application form.

4 Alternatively, you may also check the status of your application by calling our PhoneBanking number in your How long does it take to receive an HSBC Credit Card? Once we have received your application form complete in all respects along with all the required documents, your application will be processed within two weeks. You will receive your new Credit card in 7 working days, once your application is approved. The Bank will send you timely alerts on the Credit card application status by way of an SMS on the mobile number stated on your application form. 6. How can I check the status of my Credit card consignment? Once your Credit card is dispatched, you will receive the dispatch details by way of an SMS on your mobile number registered with us.

5 You can track the status of the shipment using the Airway Bill on the courier s website. BLUE DART - DHL - If you need any further assistance, please call our PhoneBanking I have not received my card statement? Your Credit card statement is couriered to your mailing address and the Airway Bill number (courier reference#) would have been sent by way of an SMS. The Bank also sends out statements by e-mail to your personal e-mail address registered on the Bank s record. Customers who have self-registered for Internet Banking service, can view and download their Credit card statement online; just visit the Internet Banking section on our website In case you need any further assistance, please call our PhoneBanking How do I register for e-statements?

6 Step 1: Log onto HSBC s Internet Banking. Step 2: Set up a one-time request by clicking on the Request e-statements/e-Advice option in the Main Menu. Step 3: We will send you a secure mail and an SMS alert informing you when your e-statement is ready. Please note that the statements will be held on your HSBC Internet Banking account for 11 months for Cards and 15 months for bank accounts. You may download these statements onto your computer, if you want to store them for a longer Can I use my HSBC Credit Card as soon as I receive it? All Chip Cards are sent in a deactivated state and need to be activated. If a card has been sent to you in a deactivated state, the same will be indicated by a sticker on the card sent to you.

7 You may activate the card in any of the following ways: Use your ATM PIN to activate the card on an HSBC ATM Perform a PIN based transaction Call HSBC India PhoneBanking10. How can I change my PIN? You can change your PIN at an HSBC ATM in India and What fees and charges are linked to the Credit card? HSBC offers various Credit Cards to suit your needs. The fees and charges for each Credit card may differ. You can visit to view the fees and charges for the various Credit Cards we How many additional Cards can I request for on my Credit card? You can apply for upto 3 additional (add-on) Cards in addition to the primary card. The add-on Cards can be issued to immediate family members.

8 The Credit limit assigned to the primary card is shared between the primary and the add-on Cardholders and the primary Cardholder is responsible for the payment of outstanding against these How can I apply for additional card(s)? You can fill the add-on card request form (available on our website under applications) and submit it across the counter at an HSBC branch along with mandatory documents listed in the application. Please carry your original documentation for validation by the Branch Is there a rewards programme linked to my Credit card? HSBC offers various Credit Cards to suit your needs. The rewards programme for each Credit card may differ. You can visit Cards /rewards to view the ongoing rewards programme for the various Credit Cards we How long are my reward points valid?

9 Classic and Gold Reward point expiry will follow a rolling expiry system with a reward point validity period of 2 years, reward points earned during the 1st year of card membership, if not redeemed, will expire at the end of the 2nd year of card membership, reward points earned during the 2nd year of card membership, if not redeemed, will expire at the end of the 3rd year and so on. The 1st year of card membership begins from the date of Credit card issuance. For instance, for a Credit card issued on 10 March 2011, the reward points earned from 10 March 2011 to 10 March 2012, if unredeemed will expire on 31 March 2013. Platinum, Premier and Signature Reward point expiry will follow a rolling expiry system with a reward points validity period of 3 years, reward points earned during the 1st year of card membership, if not redeemed, will expire at the end of the 3rd year of card membership, reward points earned during the 2nd year of card membership, if not redeemed, will expire at the end of the 4th year and so on.

10 The 1st year of card membership begins from the date of Credit card issuance. For instance, for a Credit card issued on 10 March 2011, the reward points earned from 10 March 2011 to 10 March 2012, if unredeemed will expire on 31 March How do I redeem my reward points? You can redeem these points for a range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles and donation to charities. Please visit the Credit Cards - rewards programme section on our website to view all the redemption options. To redeem your reward points, use any of the below options: You can access the online Credit card rewards catalogue on Please note, you need to have registered for Internet Banking ID to be able to redeem your points online You can download the rewards redemption form from our website and mail it to HSBC Card Products Division, Post Bag No.