CREDIT CARD DETAIL HSBC Classic credit card Card Highlights Card Class Standard Card Type Classic Issuer HSBC Bank Offered Type Visa Rewards Main Features 0% Fuel Surcharge Lower Interest Options Travel Cashback Shopping Deals Ready Reckoner  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 3.2% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 6 month Interest Rate 0.75% per month (For 6 months at 0.75% p.m. (9% p.a.) or the Perpetual BT option}  Fees & charges   Fees & charges Joining Fee Nil Annual Fee Rs 700 Add On Card Fee Avail upto 3 additional cards. Cash Advance Limit 40% Cash Advance Transaction Fee 2.5% (subject to a min.Rs.250) Finance charges on cash advances /extended credit 3.1% per month (37.2% per annum) computed from the date of transaction w.e.f. 1st Oct, 2007. Penalty Interest Rate interest rate of 3.2% p.m. (38.4% p.a.) w.e.f. 1 April 2008 Late Payment 30% of the minimum amount due (subject to a minimum of Rs 400 and a maximum of Rs 600 per month) Free Credit Period Up to 52 days Minimum Amount Due 5% of closing balance on the billing date (subject to minimum of Rs 100). Interest will be charged on 'unpaid balance' after the due date of payment Limited Lost Card Liability Credit cardholders have zero lost-credit card liability after the loss of the credit card has been reported to the Bank in writing or to the VISA / MasterCard Global Emergency Assistance Helplines. However, you will be liable for all charges incurred on your credit card before you report the loss of your credit card. Over Limit Charges Rs 500 per month Cheque Bounce Fee Charge in case of cheque bounce, standing instruction dishonoured or unsuccessful payment through ECS Outstation Cheque Processing Fee Rs 30 4% Non-Bank ATM Access / Balance Enquiry Charges 0.4% of the cheque value (subject to a minimum of Rs. 30) plus postage @ Rs.25 per cheque Duplicate Statement Request Charges Rs 100 Replacement Card Charges Rs 100 Emergency Replacement(when overseas) Credit card replacement fee (within India) Rs 100 Credit card replacement fee (outside India) Rs 100 Charge Slip Request Rs 225 (Charge Back Processing Fee) Fuel Surcharge 2.5% Min.: Rs 400 Foreign Currency Conversion Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Earn 1 Reward Point on every Rs. 100 spend. You can redeem these points for an exciting range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles and donation to charities. For more info. Click Here  Airline   Airline: Bookings Agent Makemytrip.com Air Miles/ Rs 100 Spent on Airfare 1 Airline Travel Benefits Exchange miles for reward points. Jet Airways - 1 mile for every point KingFisher - 1 mile for every point Indian - 2 Add-on-mileage points for every point Air/Train bookings Book with Makemytrip.com for * 3% cashback on all domestic airlines * 5% cashback on international airlines * 10% cashback on hotels and holiday packages  Cash Back   Cash Back: Description HSBC and MakeMyTrip.com brings you travel gains wherein you can get upto 10% cashback* on airline tickets, hotels and holiday packages. Travel bookings made on MakeMyTrip.com using your HSBC Credit Card can now get you: * 3% cashback on all domestic airlines * 5% cashback on international airlines * 10% cashback on hotels and holiday packages  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility Yes EMI on Call Facility Yes Dial a Draft Facility No Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 1 million ATMs worldwide Insurance: Hospitalization Benefits No Credit Shield This feature provides a life insurance cover for an amount of Rs. 20,000 for Classic credit cardholders with TATA-AIG Life Insurance Company Ltd. in the event of death due to non-accidental causes.  Special Offers   Special Offers Special Offers and Discounts Travel Cashback  Eligibility Criteria   Eligibility Criteria  Salaried   Salaried: Annual Income Rs 100000.00 Age Min.: 18 Yrs.   Max.:   Yrs. Documents Required Salaried in MNC - salary slip/ certificate Salaried in Private Limited Company - Latest copy of Salary Slip + last 3 months bank statements indicating salary credits As per regulatory regurement relevant proof of residence, identity and PAN card/ Form 60 will be required Documents Required - Holding Credit Card for over an year Photocopy of front and back of credit card and any one of last 3 months credit cards statements.  Self Employed   Self Employed: Annual Income Rs 72000.00 Age Min.: 18 Yrs.   Max.:   Yrs. Documents Required Latest personal income tax returns and business card As per regulatory regurement relevant proof of residence, identity and PAN card/ Form 60 will be required Documents Required - Holding Credit Card for over an year Photocopy of front and back of credit card and any one of last 3 months credit cards statements  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. 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