HSBC Visa Signature Credit Card
HSBC · VISA★ 4.1/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
1.25% on Dining
5 reward points per ₹100 on dining
1.25% on Travel
5 reward points per ₹100 on travel
Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹1,499/yr fully waived when you spend ₹4,00,000/year
Golf Privileges
Complimentary golf rounds at select courses
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹3,000
Golf perk value
- Complimentary golf access at premium courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹4,000
Estimated annual value
2%
Forex markup
0.3%
Travel reward rate
- Domestic airport lounge access (8 visits/yr, worth ~₹4,000)
- Low forex markup: 2.0%
HSBC Visa Signature is the step-up from Platinum for existing HSBC customers — 5 reward points per ₹100 on dining, travel and online shopping (1.25% value at 25p/point), 2 complimentary domestic lounge visits per quarter, and golf access. Annual fee of ₹1,499 is waived at ₹4L spend, making it effectively free for regular users.
Who is this for?
HSBC account holders who want a genuine rewards card above the free Platinum tier but are not ready for TravelOne. Good all-rounder for dining and travel spends with meaningful fee waiver at moderate spend levels.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 1.25% | — |
| Travel | reward points | 1.25% | — |
| Online Shopping | reward points | 1.25% | — |
| Other | reward points | 0.50% | — |
Dining: 5 reward points per ₹100 on dining
Travel: 5 reward points per ₹100 on travel
Online Shopping: 5 reward points per ₹100 on online shopping
Other: 2 reward points per ₹100 on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
2 complimentary domestic airport lounge visits per quarter
Complimentary golf rounds at select courses
1% fuel surcharge waiver
Should you get it?
- Best for: Existing HSBC account holders wanting a rewards card, Professionals spending ₹30,000–₹50,000/month on dining and travel, Users who hit ₹4L annual spend for fee waiver
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (1.25% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- 5 reward points per ₹100 on dining, travel, and online shopping
- 2 complimentary domestic lounge visits per quarter
- Annual fee waived at ₹4L spend
- Golf access at select courses
- 1% fuel surcharge waiver
Cons
- Points not transferable to airline or hotel programmes
- 2% forex markup — not for heavy international use
- Weaker earning on non-accelerated categories (2 RP/₹100)
Eligibility & documents
What your hsbc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
The concern
Reward points are HSBC-ecosystem-only; no airline or hotel transfer partners. TravelOne is a better choice if you value flexibility.
Bottomline
CardAdvisor Rating: 4.1 / 5HSBC Visa Signature fills the gap between the free Platinum and the premium TravelOne. Solid value at the ₹1,499 fee tier if you already bank with HSBC — the fee waiver at ₹4L spend is achievable for most salaried professionals.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HSBC Visa Signature Credit Card are taken from HSBC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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