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CREDIT CARD DETAIL HSBC Westside Classic credit card Card Highlights Card Class Standard Card Type Co Branded Issuer HSBC Bank Offered Type Visa Rewards Shopping Main Features More Rewards points for Westside shopping. Special offer on International spends. Complimentary Gift Voucher worth Rs 150/- on Joining. Other benefits on shopping at Westside stores. 24x7 customer access through Phone Banking.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 3.1% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0.99% per month  Fees & charges   Fees & charges Joining Fee Nil Annual Fee Rs 700 Add On Card Fee Rs 350 Cash Advance Limit 40% of the credit limit Cash Advance Transaction Fee 2.5% of the transaction amount (subject to a minimum amount of Rs 300) Transaction fee for cash withdrawl is Rs 100 Transaction fee for cash with drawl against your bank account at non-HSBC ATMs in India is Rs 20 (inclusive of applicable service tax) Finance charges on cash advances /extended credit 3.2% per month (38.4% and per annum) computed from the date of transaction 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 a 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 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 Rs 300 Return of Cheque Fee Rs 300 Outstation Cheque Processing Fee Rs 30 0.4% Duplicate Statement Request Charges Rs 100 per statement Replacement Card Charges Rs 100 Emergency Replacement(when overseas) Rs 100 Charge Slip Request Rs 225 Foreign Currency Conversion Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits * Get 4 Reward points for every Rs 100 you spend at Westside stores * Get 1 Reward point for every Rs 100 you spend elsewhere. Special offer on International spends * 3 Reward points on every Rs 100 spent on your HSBC Westside Gold Credit Card * 2 Reward points on every Rs 100 spent on your HSBC Westside Classic Credit Card Note: Valid till 31st December, 2008  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 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 No Insurance: Hospitalization Benefits No  Special Offers   Special Offers Exclusive offer on a range of products, only on your HSBC Westside credit card  Eligibility Criteria   Eligibility Criteria  Salaried   Salaried: 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.  Self Employed   Self Employed: 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  Terms & Conditions   Terms & Conditions HSBC Westside credit card 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. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS The home loans interest rate story: The... Is the economy facing a debt trap? Carnival of Indian Personal Finance Blogs #5 Utilise credit card reward points Claim tax deduction on education loan