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| CREDIT CARD DETAIL |
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| HSBC Spencer's Happy Ties Platinum Card |
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| Card Highlights |
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| Card Class |
Platinum/Titanium |
| Card Type |
Co Branded |
| Issuer |
HSBC Bank |
| Offered Type |
Visa |
| Rewards |
Shopping |
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Main Features
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- More Rewards points for shopping at Spencer’s Retail
- Complimentary Welcome Voucher on Joining: Get a complimentary welcome voucher of upto Rs 100 from Spencer’s Retail along with your credit card. The Gift Voucher is issued by Spencer’s Retail and will be governed by the Terms and Conditions mentioned on it. All queries and complaints pertaining to the issue/ redemption or terms governing the Welcome Voucher will have to be taken up directly with Spencer’s Retail and HSBC will not accept any liability pertaining to the same.
- Special offers & privileges.
- Regular events & promotions.
- Lower your interest payments.
- Online Access to your credit card account.
- Cash advance:Get instant access to cash, round the clock, at close to 1 million ATMs worldwide.
- Additional credit cards:Gift your loved ones (spouse, parents, brothers/ sisters, children) the freedom of spending by availing of upto 2 additional cards.
- Zero Lost Credit Card Liability Benefit: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 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.
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 Credit Card Rates
Credit Card Rates
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| Purchases: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
2.75% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
1.33% per month
(BT Tenure Interest Rate Processing Fee
3 months 1.33% p.m. (15.96% p.a.) 2.00%
6 months 1.33% p.m. (15.96% p.a.) 1.50%} |
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Fees & charges
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Fees & charges
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| Joining Fee |
Nil |
| Annual Fee |
Rs 1500 |
| Add On Card Fee |
Annual fees: Rs 750 |
| Cash Advance Limit |
As communicated to you in your monthly card statement |
| Cash Advance Transaction Fee |
2.5% of the transaction amount (subject to a minimum amount of Rs 300)bank account A
Transaction fee for cash withdrawal against your TMs overseas - Rs 100.
Transaction fee for cash withdrawal against your bank account at non-HSBC ATMs in India - Nil |
| Finance charges on cash advances /extended credit |
2.75% # per month (33% # per annum) computed from the date of transaction |
| Penalty Interest Rate |
2.75% # per month (33% # per annum) |
| Late Payment |
50% of the minimum amount due (subject to minimum amount of Rs 400 and max. of Rs 750 per month) |
| Free Credit Period |
Up to 52 days |
| Minimum Amount Due |
5% of your outstanding balance and usage the greater of your Past due amount and over limit amount (subject to minimum of Rs 100). Interest will be charged on 'unpaid balance after the due date of payment'. |
| Over Limit Charges |
Rs 500 pm |
| Cheque Pickup Fee |
Rs 35 |
| Cheque Bounce Fee |
Rs 350 |
| Return of Cheque Fee |
Rs 350 |
| Outstation Cheque Processing Fee |
Rs 50 |
| Non-Bank ATM Access / Balance Enquiry Charges |
out of town cheque processing
up to Rs 10,000 - Rs 50 per cheque
Rs 10,001 to Rs 1,00,000 - Rs 100 per
Rs 1, 00,001 and above - Rs 150 per cheque |
| Replacement Card Charges |
Rs 100 |
| Emergency Replacement(when overseas) |
Rs 100 + International courier cost of Rs 700 |
| Charge Slip Request |
Rs 225 |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
10.3% |
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Rewards & Benefits
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Rewards & Benefits
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| For every Rs 100 spent at Spencer’s Retail stores using your HSBC Spencer's Happy Ties Card, you receive upto 14 reward points. This is not all, for every Rs 100 your charge to your credit card outside Spencer’s Retail stores – e.g. your usual spends like dining, travel etc – you receive upto 4 reward points.
Your points are redeemable for Spencer’s Retail gift vouchers. You can redeem 400 points for a gift voucher worth Rs 100. |
| For more info. |
Click Here |
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Services & Features
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Services & Features
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General Features:
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| 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 |
No |
| Access to 24-Hour Customer Care Centre |
Yes |
| Personal Loan Facility |
No |
| EMI on Call Facility |
Yes |
| Dial a Draft Facility |
No |
| Rewards Programme |
Yes |
| Global Emergency Assistance Service |
Yes |
| No. of ATMs (Global) |
over 18 million establishments worldwide |
| No. of ATMs (India) |
over 100,000 establishments in India |
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Insurance:
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| Hospitalization Benefits |
No |
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Special Offers
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Special Offers |
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Eligibility Criteria
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Eligibility Criteria
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Salaried
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Salaried:
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| Annual Income |
Rs |
| Age |
Min.: 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. |
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Self Employed
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Self Employed:
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| Annual Income |
Rs |
| Age |
Min.: 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 |
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Terms & Conditions
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Terms & Conditions |
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