HSBC Smart Value
HSBC India · Visa
HSBC Smart Value is a zero-fee card perfect for fuel savings with 2.5% cashback at petrol pumps.
Annual Fee
Free
Base Reward Rate
1X
Point Value
₹0.25/pt
Min CIBIL
650
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
1X
Travel
1X
Shopping
1X
Online
1X
Grocery
1X
Fuel
2.5X
Utilities
1X
Other
1X
Pros
- ZERO annual fee
- 2.5% cashback on fuel
- Up to Rs 300 fuel cashback/month
- 1% on other spends
- No CIBIL minimum for existing HSBC customers
Cons
- No lounge access
- Fuel cashback capped at Rs 300/month
- Low reward on non-fuel
Redemption Options
Direct cashback
Standard₹0.25/pt
Ready to Apply?
Apply directly on the HSBC India website. Takes about 10 minutes.
