CREDIT CARD DETAIL
HSBC Spencer's Happy Ties Gold Card
Card Highlights
Card Class Gold
Card Type Co Branded
Issuer HSBC Bank
Offered Type Visa
Rewards Shopping
Main Features
  • More Rewards points for shopping at Spencer’s Retail
  • Redeeming Reward points: Your points are redeemable for Spencer’s Retail gift vouchers. You can redeem 400 points for a gift voucher worth Rs 100.
  • Complimentary Welcome Voucher on Joining: Get a complimentary welcome voucher of upto Rs 100 from Spencer’s Retail along with your credit card. The Gift Voucher is issued by Spencer’s Retail and will be governed by the Terms and Conditions mentioned on it. All queries and complaints pertaining to the issue/ redemption or terms governing the Welcome Voucher will have to be taken up directly with Spencer’s Retail and HSBC will not accept any liability pertaining to the same.
  • Special offers & privileges.
  • Regular events & promotions.
  • Lower your interest payments.
  • Online Access to your credit card account.
  • Cash advance:Get instant access to cash, round the clock, at close to 1 million ATMs worldwide.
  • Additional credit cards:Gift your loved ones (spouse, parents, brothers/ sisters, children) the freedom of spending by availing of upto 2 additional cards.
  • Zero Lost Credit Card Liability Benefit: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.
  Card Rates
Purchases:
Intro Interest Rate 0% per month
Introductory Period 0 month
Interest Rate 3.3% per month
Balance Transfers:
Intro Interest Rate 0% per month
Introductory Period 0 month
Interest Rate 1.5% per month Min.: Rs 249 per month (For 3 months 1.50% p.m. (18% p.a.) Processing fee is 2.00% (subject to a minimum of Rs. 249)
For 6 months 1.50% p.m. (18% p.a.) Processing fee is 1.50% (subject to a minimum of Rs. 149)}
 Fees & charges
 Rewards & Benefits
 Services & Features
 Special Offers
 Eligibility Criteria
 Terms & Conditions
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