HSBC Debit Card
The HSBC debit card is a worldwide card that may be used for purchases at Visa merchant locations as well as cash withdrawals at any Visa-Plus or HSBC ATM. A "simple to use" banking and shopping card is what it is billed as.
Customers who use the HSBC debit card benefit from higher transactional limits for purchases as well as fee-free ATM withdrawals from any HSBC ATM in India.
Types of HSBC Debit Cards
HSBC offers three types of debit cards classified as per the tier of a personal banking customer.
- HSBC Visa Debit Card
- HSBC Advance Platinum Debit Card
- HSBC Premier Platinum Debit Card
HSBC Visa Debit Card
- HSBC Visa international debit card doubles up as an ATM card as well as an instrument for making purchases at various merchant outlets.
- It also gives the customer an opportunity to earn rewards points, redeemable for exciting gifts as part of HSBC's premium loyalty program.
- Providing a secure platform for card holders to transact,
- It allows customers to conveniently make payments directly from their savings accounts without the requirement of cash.
- Easy to track the bills with itemized billing statements.
- It provides complete lost card liability coverage for lost or stolen cards, ensuring protection against fraudulent purchase transactions.
HSBC Advance Platinum Debit Card
- Customers are entitled to higher cash withdrawal and transaction limits upon usage at Visa ATMs.
- Free cash withdrawals at HSBC ATMs worldwide.
- It comes with extra security in the form of an embedded chip that protects it from fraudulent transactions.
- Provides ATM PIN verification, 3D secure technology with OTPs and the Verified by Visa (VbV) service for making secure online transactions.
HSBC Premier Platinum Debit Card
- The HSBC Premier Platinum International debit card caters to the lifestyle requirements of HSBC's Premier customers.
- Provides exceptional privileges and offers with access to HSBC ATMs, Visa ATMS and Visa merchant outlets worldwide.
Benefits of Holding an HSBC Debit Card
The benefits of owning a HSBC debit card is mentioned below -
- HSBC is a prominent private bank in the country that provides a range of cards to meet diverse requirements, and a nominal annual fee is levied by the bank for card maintenance. The HSBC debit cards come with several noteworthy features, such as:
- Access to ATMs affiliated with the Visa network, HSBC Group ATMs, as well as worldwide merchant outlets.
- Higher transaction limits for shopping purposes.
- The HSBC debit card can be used as an ATM card and is recognized at ATMs and shopping outlets globally.
- The HSBC debit card is easy and secure to use, with SMS and email alerts for any transactions made.
- The debit card is internationally valid and can be used while travelling overseas.
- The HSBC debit card is widely accepted in India.
- HSBC offers the convenience of monitoring your expenditures through monthly bank statements, which helps you control the usage of your debit card.
- If the debit card is lost, HSBC provides protection against fraudulent transactions on the card after you have informed the bank of the loss.
- The bank provides insurance coverage for debit cardholders.
- HSBC's global customer assistance is available 24x7 for debit cardholders, even while travelling abroad.
Fees & Charges of HSBC Debit Card
Services | Amount or Fees |
Annual Fee | Rs.150 (Including senior citizens) |
ATM Cash Withdrawal and Balance Enquiry | Free |
Number of Free Transactions at Other Bank ATMs | 5 Transactions (financial or non-financial) per month. Transactions after the first five transactions will be charged Rs.20 per transaction. |
Transaction Limit for Cash Withdrawal at Other Bank ATMs | Rs.10,000 per transaction |
Other Bank VISA ATM Cash Withdrawals or Balance Enquiries (Abroad) | Rs.120 per withdrawal or Rs.15 per enquiry |
HSBC Group ATM transactions (Abroad) | Rs.120 per withdrawal or Rs.15 per enquiry (Free for HSBC premier) |
Replacement of Lost or Damaged Debit Card | Rs.150 plus national or international courier charges (Free for HSBC premier) |
Sales Slip Retrieval or Charge Back Processing Fee | Rs.225 |
Duplicate PIN Issue for Usage at ATM | Free |
Transactions Declined due to Insufficient Funds at an ATM | Rs.25 per transaction |
Currency Conversion Mark-up (International Transactions) | 3.5% |
HSBC Debit Card Eligibility
- HSBC Debit cards are available to Indians and NRIs over the age of 18 who have SmartMoney, HSBC Savings account, or Current Accounts with HSBC India.
- The applicant's account can be either a single-holder or a joint-holder account.
- Domestic debit cards will be supplied to NRI customers who have NRO accounts with HSBC.
- HSBC will also give domestic debit cards to the Power of Attorney holders chosen by NRIs for their NRE accounts.
How to Apply for HSBC Debit Card Online?
Follow the steps mentioned below to apply for HSBC debit card online:
Step 1: Open the HSBC official website.
Step 2: On the homepage, you will find the contact information of HSBC bank.
Step 3: Call the number mentioned on the website and an executive of the bank will help you through the process of opening an HSBC debit card online.
Step 4: Alternatively, you can also mail the bank to apply for HSBC debit card online.
How to Activate HSBC Debit Card?
One can activate their HSBC debit card through three different methods. These methods are mentioned below:
Method 1: The debit card can be activated through IVR process. To opt for this method, users have to call HSBC bank on 1800 121 4015.
Method 2: Enter the PIN to use your HSBC India Debit Card at any Visa ATM globally. Only Debit Cards linked to HSBC India Resident and/or Non-Resident External (NRE) accounts are affected by this.
Method 3: Use a POS terminal that accepts Chip and PIN with your debit card. After the merchant swipes your debit card at the POS terminal, you will need to enter your 6-digit PIN. You will receive a distinct Personal Identification Number (PIN) to use with your Debit Card at POS and ATM terminals.
FAQs on HSBC Debit Card
- How to block HSBC Debit Cards?
You can visit the HSBC Bank's mobile application or online portal to block the card. You can also visit the bank or contact their customer care to help you through the process.
- What does the minimum balance need to be maintained for HSBC debit card?
There is no minimum balance required to be maintained for HSBC debit card.
- How to apply for an HSBC Debit Card?
There are two options available to apply for an HSBC Debit Card. Firstly, you can visit the nearest HSBC branch and submit an application form along with the necessary documents. Secondly, you can apply online through the bank's website.
- What is HSBC Bank's customer care number?
The customer care number for HSBC Bank India is 1800 266 3456 or +91-22-6666-3456. This number is available 24x7 for all HSBC customers in India.
- What to do when you change your mobile number?
If you change your mobile number, it is important to update your information with the Bank as soon as possible, as your mobile number is the primary contact for receiving OTPs and SMS alerts.
- Is there a transaction limit for ATM withdrawals done at other bank ATMs?
Yes, HSBC debit card users can withdraw up to Rs.10000/- per transaction at any other banks ATM across India.
- What is OTP? How does it protect my online transactions?
OTP is a One Time Password required to be entered by customers using their HSBC debit cards to shop online. As part of the VbV authentication process, the OTP prevents fraudulent transactions and verifies that it is the actual card owner making the transaction.
- Can I use my HSBC debit card outside India?
Yes, the HSBC debit card can be used at international merchant outlets and ATMs with a pre-determined transaction limit set by the bank.
- Do I require a new PIN for my replaced HSBC debit card?
No, customers can retain their existing ATM PINs for any card that has been replaced or renewed by HSBC and will be valid for the new card issued.
- Are there any limits set for online transactions done using my HSBC debit card?
No, the bank does not have any present limits for online transactions but a customer must make sure that he has sufficient funds in his account to complete the transaction.
- Is there a constraint on the number of online transactions I can make using my Debit Card?
As long as you have sufficient funds in your account, there is no limit on the number of online transactions you can conduct. However, please bear in mind that the total value of your online transactions in a day cannot exceed the daily purchase limit assigned to your Debit Card.
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