HSBC Advance Platinum Credit Card

HSBC Credit Card. The one card for Home & Away.

As you step into the world of the HSBC Advance Platinum Credit Card, awaiting you is a bouquet of benefits and privileges to enhance your experience. The HSBC Advance Platinum Credit Card opens the door to greater spending power while enjoying a world of advantages, recognition and exclusive privileges for you.

Introductory Benefits

1. For HSBC Advance Platinum Credit Cards issued between 4 August 2014 and 30 November 2014 under the ‘10% cashback’ promotion, the following benefit will apply:

• Get10%cashbackonallspendsduringthefirst90daysofcardmembershipsubjecttoaminimum spend of `10,000andmaximumcashbackof`3,000percard

Clickhere for applicable terms and conditions.

2. For HSBC Advance Platinum Credit Cards issued between 10 April 2014 and 3 August 2014 under the ‘10% Cashback’ promotion, the following benefits will apply:

• Get10%cashbackonallspendsduringthefirst90daysofcardmembershipsubjecttoaminimum spend of `10,000andmaximumcashbackof`3,000percard

Clickhere for applicable terms and conditions.

• Get3xRewardspointsonspendsondining,hotelsandtelecomcategoriesforthefirst24calendar months from the date of issuance of your HSBC Advance Platinum Credit card

Clickhere for applicable terms and conditions.

3. For HSBC Advance Platinum Credit Cards issued prior to 10 April 2014

• SpendonyourHSBCAdvancePlatinumCreditCardwithin90daysfromdateofissuanceofyourHSBC Advance Platinum Card and get

− 2IndigoAirlinesTicketVouchersof`500eachonaminimumspendamountof`5,000. The voucher(s) can be redeemed on the total air fare and not restricted to base fare

− `500cashbackwhenspendexceed`8,000

Clickhere for applicable terms and conditions

• Get3xRewardpointsonspendsondining,hotelsandtelecomcategoriesforthefirst12calendarmonths from the date of issuance of your HSBC Advance Platinum Credit card

Clickhere for applicable terms and conditions

The reward offer will be applicable on the category of purchase and will be decided on the basis of theMerchantCategoryCode(MCC)allottedbyVisaandMasterCard® for the merchant establishment where the purchase is made.

Clickhere for the MCC codes.

The above introductory benefits are applicable on HSBC Advance Platinum Credit Cards issued on or after1April2013.

Toknowthe‘dateofissuance’ofyourHSBCAdvancePlatinumCreditCard,pleaserefertothewelcomelettersenttoyoubytheBankonissuanceofyourcreditcard,elseyoucancallupHSBCPhoneBanking.

TheregularRewardpointsforeligibletransactionswillbecreditedwhenthetransactionispostedonHSBCsystemswhiletheextraRewardpointswillbecreditedattheendofthemonthandreflectinthenextmonth’screditcardstatement.

Other benefits

1. For HSBC Advance Platinum Credit Cards issued from 4 August 2014 onwards, the following benefit will apply

• Get3xRewardspointsononline/e-commercespendsforthefirst24calendarmonthsfromthedate of issuance of your HSBC Advance Platinum Credit Card

Toknowthe‘dateofissuance’ofyourHSBCAdvancePlatinumCreditCard,pleaserefertothewelcomelettersenttoyoubytheBankonissuanceofyourcreditcard,elseyoucancallupHSBCPhoneBanking.

Clickhere for applicale terms and conditions.

2. Accelerated Rewards Programme

• Get2Rewardpointsforevery`150spent

• Rewardpointsvalidityfor3years

• Get5xRewardpointsonsubsequentpurchasesmadeaftercrossingspendamountof`400,000in a year up to a maximum spend of `1,000,000inayear

TheregularRewardpointsforeligibletransactionswillbecreditedwhenthetransactionispostedonHSBCsystemswhiletheextraRewardpointswillbecreditedattheendofthemonthandreflectinthenextmonth’screditcardstatement.

OncetheCardholderbecomeseligibleforthe5xRewardsoffer,the3xRewardsofferwillcease.

Clickhere for applicale terms and conditions.

3. Movie Voucher Offer

Getmovieticketvouchersworth`500onspendingover`50,000inacalendarmonth.Cardholdercanreceive upto a maximum of `3,000worthfreeticketsinayearunderthisoffer

The eligible Cardholders will be sent an SMS on their registered mobile number containing a unique Code(PromotionCode)within30daysofcompletionoftheofferperiod.

Clickherefortermsandconditions.Theaboveofferisvalidfrom1April2013.

4. Dining Offers

Enjoyupto20%discountsatyourfavouriterestaurantsandloungesinIndiawhenyouuseyour HSBC Advance Platinum Credit Card.

Clickhere for more details on offer terms and conditions, and list of participating outlets.

5. Fuel Surcharge Waiver

GetfuelsurchargewaiveratanyfuelpumpacrossIndiafortransactionsbetween`400and`4,000subject to a maximum amount of `250percalendarmonth.

Clickheretoknowmore.

6. Air Miles Conversion Programme

• WithoursuperiorAirMilesConversionProgrammeyoumayredeemRewardpointsforairmileage points with our partner airlines:

− JetAirways:1JPMilefor`150spent

− SingaporeAirlines:2KrisMilesfor`150spent

7. Exclusive Redemption Catalogue

WebringyouanexcitingRewardsredemptioncatalogue,exclusivetotheHSBCAdvancePlatinumCredit Card. This catalogue gives you the option to redeem points against some of the most premium brands in the country.

Clickhere to access the online credit card rewards catalogue. Please note, you need to have an InternetBankingIDandPasswordtobeabletoredeemyourpointsonline.

Clickherefor terms and conditions applied.

8. Visa Concierge Services

AsanHSBCAdvancePlatinumCreditCardholder,youcanenjoy24x7complimentaryaccesstotheVisaConciergeservices.Toavailanyoftheseservices,clickhere for the list of numbers to call. To avail oftheconciergeservicesfromIndia,justdial000117followedby8667659643.

Clickhere for terms and conditions.

9. Lost Card Liability

Advance Platinum Credit Cardholder will have nil lost credit card liability after reporting and registering the loss of the HSBC Advance Platinum Credit Card to HSBC. You are also covered for misuse of your AdvancePlatinumCreditCardupto24hours,beforereportingandregistering,forupto`300,000(InsurancebenefitprovideddirectlytocreditCardholdersbyTataAIGGeneralInsuranceCompanyLimited). However you will be liable for all the charges incurred on your HSBC Advance Platinum CreditCardbefore24hours,fromreportingandregisteringtheloss.

10. Online Fraud Protection

Advance Platinum Credit Cardholder will also be covered for upto `300,000forhis/herHSBCAdvancePlatinumCreditCardmisusedonlineforaslongtheclaimisreportedandregisteredwithin15daysfrom the statement period end date, mentioned on the credit card statement bearing details of the fraudulent transactions.

AllinsurancebenefitslistedaboveareprovideddirectlytothecreditCardholdersbyTataAIGGeneralInsuranceCompanyLimited,whoseterms,conditionsanddecisions,forwhichHSBCisnotliable,willapply.ClaimsforsettlementtobesentdirectlytoTataAIGGeneralInsuranceCompanyLimited.Allinsurance benefits on the credit card are available to valid primary Cardholders only.

Clickhere for terms and conditions.

Clickhere for claim procedure.

11. Emergency Card Replacement

IfyouloseyourHSBCVisaAdvancePlatinumCreditCardwhiletravelingabroad,youcancallVisaGlobalAssistanceServicesorHSBCHelplinenumbersandhaveyourcardcancelledandanemergency card issued worldwide in 3 days*. You can also opt to receive emergency cash at over 22,000outlets*globally.Knowmoreaboutemergencycardreplacement.

*AdvancePlatinumEmergencyServicesandtheEmergencyHotlineareoperatedbyVisaInternationalanditsappointedagent/thirdpartyserviceprovider.Termsandconditionsapply. IssuanceofcreditcardisatthesolediscretionofTheHongkongandShanghaiBankingCorporationLimited,India.Allfeaturesandbenefitsaresubjecttotermsandconditions.

12. Regular Credit Card Features

• InternetBanking

• EMIOptions#

− Balance Transfer

− Loan on Phone

− CashonEMI

− InstantEMI

#EMIoptionsarerepaymentoptionswhichletyoupaytheyourcreditcardduesinEquatedMonthlyInstallments(EMIs).ThesaidEMIoptionsareatthesolediscretionofHSBCandsubjecttotermsandconditions.

13. Cash advance

Getinstantaccesstocashroundtheclock,atcloseto1millionATMsworldwide.

14. Additional credit cards

Giftyourlovedones(spouse,parents,brothers/sisters,children)thefreedomofspendingbyavailingof upto 3 additional cards.

15. Global access

• Getacashadvanceatcloseto1millionATMsinIndiaandoverseas.

• WithdrawcashfromyourHSBCBankAccountfromanyVisaPlusATMinIndiaoroverseas.Youcanalsoenquireaboutyourbalance,transferfundsfromanyHSBCATMinIndiaoroverseas#

• TheHSBCVisaCreditCardisacceptedatover18millionestablishmentsworldwideandover100,000establishmentsinIndia.

16. Online convenience

online@hsbcoffersahostofoptions.Checkyourcreditcardtransactionsandbalancesonline.Youcanalso redeem your reward points online.

17. 24x7 customer access through PhoneBanking

Accessyourcreditcardroundtheclock,7daysaweek.

ClickheretoviewtheHSBCPhoneBankingnumbers.

ClickherefortheHSBCCreditCardMostImportantTermsandConditions.

Important Notes

• Witheffectfrom5August2013,wewishtoinformthatthepaymentallocationlogici.e.paymenthierarchy,towardspaymentmadetothecreditcardaccountisbeingrevised.IntherevisedPaymenthierarchy, allocation will first happen to the extent of minimum payment due, followed by the following ‘plans’i.e.EMI,cashadvances,purchaseoutstandingandbalancetransferindescendingorderofinterestrates,andwithinagiven‘plan’,thepaymentwillbeallocatedinapredefinedorderof(1)Servicecharges,(2)Financecharges,(3)Latepaymentcharges(4)Annualfeeand(5)Otherfees.

The excess payment (if any) over and above minimum payment due will be allocated in same hierarchy as defined above.

Formoredetails,pleaseclickheretoreadtheFrequentlyAskedQuestions(FAQs)document

• Pleasenotewitheffectfrom1July2012,therevisedfinancechargesapplicableforHSBCAdvancePlatinumCreditCardwillbe3.3%p.m.i.e.39.6%p.a.

• Witheffectfrom1March2009,thelatepaymentfeeonHSBCClassic,Gold,AdvancePlatinumandPremierCreditCardswillberevisedto50%ofminimumamountdue(subjecttoaminimumof`400and a maximum of `750permonth)

• Thefacilityofaccessingyourcurrent/savingsaccountwithyourcreditcardfromHSBCwillbeprovided only when specifically requested by you

• IssuanceofcreditcardisatthesolediscretionofTheHongkongandShanghaiBankingCorporationLimited,Indiaandissubjecttotermsandconditionsandexternalandinternalchecks/verification..Allfeatures and benefits are subject to terms and conditions

IssuedbyTheHongkongandShanghaiBankingCorporationLimited,India(HSBC).IncorporatedinHongKongSARwithlimitedliability.

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