Banking

Services of HSBC bank

Ð'* Credit cards

Exclusive credit card benefits:

Save 2.5% fuel surcharge: HSBC credit cards have offered you a refund of the additional 2.5% fuel surcharge any place, any pump across India. Experience the freedom and power to fill up the fuel tank anywhere - at absolutely no extra cost and without the need to carry a large amount of cash.

Secure Online Payment: You can now avail of HSBC's new secure online payment service for performing online transactions1. HSBC has launched 'Verified by VISA' for your HSBC VISA Credit card and 'MasterCardÐ'® SecureCodeTM for your HSBC MasterCard Credit card. It provides you with the extra security and peace of mind when you shop online with your HSBC Credit card2.

Ð'* Personal loans:

Features and benefits of loans

Lower EMI in the 1st year

We give you the option of making an affordable repayment on your personal loan today. After a year you can pay a higher EMI

Interest on utilised personal loan amount only

We make it easier, by charging interest on utilised personal loan amount only. Just estimate the maximum personal loan amount you need. Interest will be charged only on the amount you withdraw

Last EMI waiver

By paying a marginally higher interest rate, we help you get your last EMI completely refunded. (Available for personal loans of 48-month tenor only and applicable if your repayment is consistent throughout the period of the personal loan).

Standard EMI repayment

You pay the same EMI every month during the tenor of the personal loan.

Ð'* Home loans:

Features and benefits of home loans

Loan Requirement: We offer you loans ranging from Rs. 5 lakhs upto Rs. 3 crore*.

Property Types: We offer loans to Resident Indians and NRIs for ready property, under construction property, self-construction and home improvement.

Loan Tenure: Loans are available for tenures upto 25 years

Repayment Options - Choose between fixed and floating rate home loans. You also have the option of switching from a floating rate home loan to a fixed rate home loan once a year at no extra cost

No Penalty option - You can opt to pre-pay up to 25% of your loan every year. Pre-payment is permitted after a minimum of 6 months following loan disbursal.

Free Gold Credit card - On approval of your Home Loan, you get a Gold Credit card#, free for the first year with annual charges being waived.

Ð'* NRI banking

Ð'* Bank accounts

Savings Account

You can automatically transfer extra savings from your Savings account to a Fixed deposit, through a Standing Instruction, to enable you to earn higher interest.

International Debit Card

Use the International Debit card to make purchases at 120,000 merchant establishments in India and at 13 million across the world. Withdraw cash from over 15000 HSBC/Visa/Plus ATMs in India and from over 1 million VISA ATMs across the world*.

ATM access

Our wide network of ATMs has made banking all the more convenient for you. Withdraw cash, transfer funds, deposit cheques and cash, request for a bank statement, cheque-book or mini-statement and check your balances.

Special Relationship Discounts

Our HSBC customers (for 6 months or more) are entitled to a 0.5% discount on the upfront processing fee for Home loans and Personal/Professional loans and on the annual service charges for Asset Link.

Fixed Deposit

Advantages

Tenure - A Certificate of Deposit is issued for a period not less than 15 days and not exceeding one year from the date of issue.

Transfer Mechanism - Certificates of Deposit held in a physical form are freely transferable by endorsement and delivery. Those in demat form can be transferred as per the procedure applicable to other demat securities.

SmartMoney Account

Features and benefits:

Higher Interest Rates

Open a SmartMoney Account with a minimum fixed deposit of Rs.25,000 and get high returns. We have special rates for special tenors.

Free Savings accounts

Get a free savings account, without having to maintain any minimum balance.

Up to 90% overdraft

You can withdraw up to 90% through an overdraft facility. You can pay interest only on the amount overdrawn, while you earn interest on 100% of your fixed deposit.

Free online bill payment services

Make all your bill payments online and avoid the hassles of physical payments. It's convenient and quick

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