It is one of several credit cards offered by HSBC, but it’s the only one specifically designed for balance transfers, and therefore offers the longest period of 0% interest. £1,200 . If you’re already registered for Online Banking, you can apply online now. The other bank card from which the balance is to be transferred to the HSBC Card must be nondelinquent and current. Day or night, help is always at hand if your card is lost or stolen. In these challenging times, we're here to support our customers and employees. Our take on HSBC balance transfers: With a generous APR offer lasting as long as 12-18 months and no annual fee, transferring higher interest debt to a new HSBC credit card may be worth it. Balance Transfer fees will apply. For more details please read our Cookie Policy. The transfer amount cannot exceed the available credit limit on your HSBC Credit Card, including fees. the repayment will be apportioned first to the highest interest Balance Transfer for the Cardholder. the repayment will be apportioned first to the highest interest Balance Transfer for the Cardholder. If the amount (as mentioned in the verbal or written application form) to be transferred to the HSBC Credit Card exceeds the maximum eligibility of the available credit limit on the date of acceptance by HSBC, HSBC will only  transfer the amount which is equal to the customer’s eligibility, this policy is informed to the Cardholder at the time of application. Non-payment of the entire total payment due on the HSBC Card by the payment due date will result in the levy of standard credit card interest rates on the balance outstanding. It may take at least 7-10 business days for your Balance Transfer to be processed. Incorporated in Hong Kong SAR with limited liability. This offer is applicable to select HSBC Credit Cardholders depending on eligibility (hereinafter referred to as the ‘Cardholders’). EMI, cash advances, purchase outstanding and Balance Transfer in descending order of interest rates, and within a given 'plan', the payment will be allocated in a predefined order of Service charges, Finance charges, Late payment charges, Annual fee and Other fees. Some HSBC balance transfer offers come with a one-off fee that’s calculated based on the amount of debt you transfer to the new card. This site is primarily intended for those who access it from within India. Click to know more. This card had previously offered a lower 1.5% balance transfer fee on balance transfers. You say: ★★★★★ We say: ★★★★★ Potential costs: 3.5/5 Doing its job: 4.5/5 Extras: 3.5/5. The maximum amount that can be transferred from other bank credit cards to the HSBC Credit Card is subject to 95% of the available credit limit on the HSBC Credit Card as on the date of approval of the Cardholder’s application. Please note - You can only apply in branch if you are an existing HSBC customer. The Cardholder should continue to make payments on the other bank credit card until the Cardholder receives confirmation in a subsequent HSBC Card statement that the Balance Transfer amount from the other bank credit card has been transferred to the HSBC Card. Feel the freedom of financial independence. In case of a Balance Transfer transaction of 60,000, the entire cash limit of 40,000 will be utilized first and Cardholder will not be able to make any cash advance transactions till the corresponding Balance Transfer outstanding is paid off. Pre-payment charges on foreclosure of Balance Transfer on EMI will apply at the rate of 3% on the outstanding amount of the loan, subject to a minimum of ₹250. It’s easy to get in touch online. If the Cardholder has subscribed for the 'Credit Card Account Settlement Option' to automatically settle the credit card outstandings by a debit to the Cardholder's HSBC Current/ Savings account, there will be a 5% minimum payment deducted from the outstanding instead of 100% Credit Card Account Settlement Option. The minimum amount due appearing on the Cardholder's monthly statement is calculated as a percentage of the total outstanding retail balance + monthly EMI due on Balance Transfer on EMI. *At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate. By continuing to browse this site, you give consent for cookies to be used. and subject to change). HSBC reserves the right at any time without previous notice to add, alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether. Follow us: Choose between loan tenures of 3, 6, 9, 12, 18 and 24 months, Apply now for the Balance Transfer facility This link will open in a new window, Apply Now for the Perpetual Balance Transfer facility This link will open in a new window, Enquire online for the Balance Transfer facility, Apply now for the HSBC Cashback Credit Card This link will open in a new window, HSBC India Facebook Account This link will open in a new window, HSBC India Twitter Account This link will open in a new window, HSBC India Youtube Account This link will open in a new window, Careers, media, investor and corporate information. Most balance transfer credit cards will charge you their standard interest rate on purchases. Please confirm and submit your information. Effective 2 October 2013 prepayment charges on foreclosure of Balance Transfer perpetual facility will not apply. This Balance Transfer Perpetual offer is subject to force majeure events. The balance transfer fee. The words and expressions used herein shall have the same meaning as in the Cardholder's agreement. Rate of interest between 10.99% to 15%p.a. Personal Details. Balances can't be transferred from cards issued by other members of the HSBC Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd. *Channel Islands and Isle of Man customers are not eligible to apply online. HSBC’s Card Balance Transfer can help you simplify things in your life and save at the same time. Online banking is a convenient way to manage your card. Kindly note that according to the new payment hierarchy effective from 5 August 2013, the payments will first be apportioned to the extent of minimum payment due, first by the following 'plans' i.e. The entire balance outstanding on the credit card (including any balances transferred) will become payable immediately upon closure of the credit card whether such closure is initiated by the Bank or by the Cardholder. All fields are mandatory. If the authorisation is successful, Balance Transfer transaction will be approved subject to regular Balance Transfer approval conditions. Credit Card Balance Transfer Application Form. The maximum amount that can be transferred from other bank credit cards to the HSBC Card is up to 95% of the credit limit on the Cardholder's HSBC Card subject to available balance as on the date of approval of the Cardholder's application. Email Address : This is not a Loan Application Form. Here are some benefits of HSBC Credit Card Balance Transfer: Flexible Amount Transfer: You can transfer any amount above Rs.5000 to other credit card. Balance Transfer-on-EMI is a facility that allows you to transfer the outstanding balance from your other bank credit cards to your HSBC Credit Card and repay it in easy monthly instalments at a lower interest rate. In case of any contradiction between these terms and conditions and the existing guidelines/rules, these terms and conditions shall prevail at all times. If the Cardholder has subscribed for ‘Standing Instructions’ to automatically pay the credit card outstanding’s by a debit to the Cardholder’s HSBC Current/ Savings account, there will be a 5% minimum payment deducted from the outstanding instead of 100% outstanding. The minimum amount that can be transferred from any other bank credit card account to the HSBC Credit Card is 5,000, subject to the availability of the credit limit in your HSBC Credit Card. Please refer to the respective web pages at www.hsbc.co.in to know details. Add your partner or family members over 18 to your account. The Eligible Cardholder shall pay the minimum payment of 5% of the outstanding balance which is part of the Minimum Monthly Payment due on or before the payment due date. Choose to pay more each month and close your Perpetual Balance Transfer earlier, as per your liquidity and convenience. Choose between loan tenures of 3, 6, 9, 12, 18 and 24 months Rate of interest between 10.99% to 15%p.a. HSBC Bank Malaysia Berhad (Company No. Make sure you keep up with this, otherwise you’ll have to pay a fee. Title {{title}} First name {{firstName}} Last name {{lastName}} Customer ID {{idNumber}} Phone number {{phoneNumber}} Email address {{email}} Transfer From Account. Account/Card Number {{accountNumber_from}} Transfer To Account . If you’re going to continue spending it may not be the right type of credit card for you. If you're registered for mobile banking and have downloaded the app you can apply within the app in just a few clicks. In case a Cardholder has availed of two or more separate Balance Transfers of the same tenure, the repayment will be allocated in the same sequence that the Balance Transfers have been applied for. Please contact HSBC Phone Banking, after 3 weeks to know the status of your credit card application. Switch to HSBC- transfer your Home Loan to HSBC at interest rates starting at 6.74% 1. Access worldwide offers and discounts on everything from savings on clothing to exciting days out. The management fee is subject to HSBC Amanah’s approval. HSBC Rewards Plus: Balance transfer rate: 0% p.a. If the Cardholder closes his HSBC Credit Card before all instalments have been posted, the outstanding amount will be debited to the card account as one consolidated amount. We use cookies to give you the best possible experience on our website. Move your outstanding card balance to HSBC If you have outstanding credit card balances with other banks, move them to your HSBC credit card and pay off the balance flexibly over a period of up to 24 months at a discounted interest rate. In case the Cardholder wants to apply for two Balance Transfers on the same other bank credit card, the subsequent request will be processed only 8 days after the previous Balance Transfer request. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance. for 26 months with 1% balance transfer fee: Balance transfer revert rate: Cash Advance Rate (21.99% p.a.) Nothing contained in this scheme shall be constructed as an obligation on HSBC to continue the scheme after the scheme termination. Tax liability, if any, will be borne by the Customer. Enjoy savings on interest with our low balance transfer rate Use the extra cash to kick start your dream, like going for your long-waited holiday or take advantage of this promotion by paying off outstanding balances and avoid paying high interest. HS alance Transfer Online Offer (“ Programme”) starts from 1 January 2019 to 31 December 2019 (“Programme Period”) and open to HS ank Primary credit cardholders who hold a HS redit ard for not more than 180 days: HSBC Premier World Travel … 0% interest for 25 months* on balance transfers made within the first 60 days of account opening, 0% interest on purchases for 3 months* from account opening. Our website doesn't support your browser so please upgrade. The interest rate is subject to HSBC's approval. In the event a Cardholder transfers different amounts under different Balance Transfer options, the repayment will be allocated to the Balance Transfers in increasing order of the interest rates, i.e. Only on Cardholder’s specific request HSBC will send Demand Draft favouring the other Bank credit card account for the approved Balance Transfer amount to the Cardholder’s registered mailing address. EMI, Cash advances, Purchase outstanding and Balance Transfer in descending order of interest rates, and within a given ‘plan’, the payment will be allocated in a predefined order of (1) Service charges, (2) Finance charges, (3) Late payment charges, (4) Annual fee and (5) Other fees. Benefit from a lower interest rate on the transferred balance than the interest rate levied on your other Credit Card outstanding (Perpetual Balance Transfer) No-pre-defined repayment term is applicable for the Perpetual Balance Transfer (PBT), Make a minimum repayment per month for your Perpetual Balance Transfer equal to 5% of the outstanding Perpetual Balance Transfer amount (subject to a minimum of ₹100), The interest charged on the Perpetual Balance Transfer is between 1% to 1.2% per month on the outstanding amount of your Perpetual Balance Transfer. With our low balance transfer rate, you'll be able to enjoy greater financial freedom. The Balance Transfer on EMI facility allows an HSBC Credit Cardholder (Cardholder) to avail of the Balance Transfer facility on his/her HSBC Credit Card (HSBC Card) and repay the same in Equated Monthly Instalments (EMIs). The balance transferred will also be included for computing the minimum payment due, as mentioned on the credit card statement from HSBC. You’re responsible for paying the other lenders until your transfer is complete. HSBC customers can use the HSBC Phone Banking service, SMS Banking or use the HSBC website to opt for the Balance Transfer facility. Add your new credit card to Apple Pay from the iOS version of the HSBC UK Mobile Banking app. Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. Unfortunately, HSBC doesn’t accept balance transfers from credit cards issued by any bank of the HSBC group, which also includes M&S Bank and first direct. You just need to provide a few details as part of your application. View your pre-filled application form, submit in just one click, and receive an instant decision. If the authorisation is successful, Balance Transfer transaction will be approved subject to regular Balance Transfer approval conditions. Consolidate all your non-HSBC Credit Card balances and transfer to your HSBC Credit Card to save on finance charges. Nothing contained in this scheme shall be construed as an obligation on HSBC to continue the scheme after the scheme termination date. Delight in a smart way of saving interest. HSBC may at its discretion discontinue the Balance Transfer facility at any time during the pendency of the facility, foreclose the loan and debit the entire outstanding amount to the credit card. Minimum Amount Due: The Balance Transfer EMI due for the month is included as part of the minimum amount due appearing in the Cardholder's monthly statement. HSBC will conduct a 'dummy authorisation for ₹1,000' on the other bank credit card. Please note that basis Goods Service Tax (GST) regulations and notified GST rates, Central GST and State/Union Territory GST or Inter-State GST, as applicable, would apply on our fees and charges with effect from 01 July 2017. The same will be valid for existing Cardholders who had already availed of Balance Transfer facility; No request for change in the billing cycle shall be entertained during the entire loan period;No request for changes in card franchisee (Visa/Master) will be entertained during the entire loan period; Balance Transfer Proceeds will be credited to other Bank’s credit card account through National Electronic Funds Transfer (NEFT) only. During the Balance Transfer term, the balance transferred will also be included for computing the minimum payment due, as mentioned in the credit card statement from HSBC. The entire balance outstanding on the credit card (including any balances transferred) will become payable immediately upon the closure of the HSBC Credit Card whether such closure is initiated by the Bank or by the Cardholder. Take control of your finances with a credit card that gives you flexibility to repay what you owe. To preclose the Balance Transfer facility Cardholder should contact HSBC Phone Banking. Account holder name {{accountName}} Account/Card … Select that option to start the process. Move your balance from any card in the UAE to your HSBC credit card and you could enjoy an interest rate as low as 0% for the first 12 months. The Equated Monthly Instalment (EMI) amount will be billed to the HSBC Card every month on your statement date. No Foreclosure charge is applicable in case of early repayment of Perpetual Balance Transfer amount. HSBC Group  |   © Copyright HSBC Group 2002-2021. Purchase limit will be blocked for the balance 20,000. As with other credit cards, balance transfer cards require you to make a minimum monthly repayment. Our branches are offering a limited service because of coronavirus. All rights reserved. During your application, HSBC will ask if you want to transfer a balance from one of your existing cards. It lets you check your credit card balance, make payments and stay in control. Representative example 21.9% APR (variable) Representative APR 21.9% p.a (variable) Purchase rate Based on an assumed credit limit of . The minimum amount for each balance Transfer (“BT”) application is RM1,000. A Balance Transfer Perpetual transaction will first utilize the available cash limit before blocking the purchase limit. In case there is no purchase outstanding, the payment made in excess of the Total Payment Due will be adjusted in accordance with the 'payment hierarchy', (EMI, Cash advances, Purchase outstanding and Balance Transfer in descending order of interest rates). Only on Cardholder’s specific request HSBC will send Demand Draft favouring the other Bank credit card account for the approved Balance Transfer amount to the Cardholder’s registered mailing address. This is much lower than what you would usually pay as interest for a current outstanding balance. In case of Balance Transfer on EMI, the EMI instalments will be treated as purchase outstanding for the purpose of payment apportionment. Processing fee is 1% of the Perpetual Balance Transfer (subject to minimum of ₹149). In the event a Cardholder transfers different amounts under different Balance Transfer options, the repayment will be allocated to the Balance Transfers in decreasing order of the interest rates i.e. The Cardholder should continue to make payments on the other bank credit card until the Cardholder receives confirmation in a subsequent HSBC Credit Card statement that the Balance Transfer amount from the other bank credit card has been transferred to the HSBC Credit Card. Payments made in excess of the card outstanding will not automatically be adjusted against un-billed EMIs and will hence not result in prepayment of the Balance Transfer on EMI facility. There is also a HSBC 0% offer available on the HSBC Purchase Plus credit card. HSBC reserves the right to decline any Balance Transfer request with intimation to the Cardholder. It's usually quickest to apply online, but if you're having trouble with your application, we're here to help - just head to our contact us page. The minimum amount that can be transferred from any other bank credit card account to the HSBC Card is ₹ 5,000 subject to the availability of the credit limit in your HSBC Card. If only minimum amount due (as defined above) is paid, the standard credit card interest rates will be levied on the balance outstanding. The terms used herein are as defined in the HSBC Amanah Balance Transfer Terms and … Convenience: Paperless application process through Balance Transfer on Phone Please leave your contact details, click on submit and an HSBC representative will get in touch with you. Plus, the HSBC Balance Transfer Credit Card offers cashback as well as rewards from your favourite shopping brands – all for no annual fee. However, if such partial payments do not cover the amount of EMI for the month, standard finance charges (including late payment fee) will be levied also. What is a balance transfer? HSBC will not be held liable for the service charges or late payment charges debited to your other bank credit card account until the execution of your Balance Transfer request. Convert your recent expenses on your HSBC Credit Card to affordable installments, payable up to 24 months. Balance Transfer transaction will block the available credit limit on the Cardholder's HSBC Card up to the amount of Balance Transfer on EMI availed of including applicable charges and Goods and Services Tax (GST). While you’re only required to make the minimum repayment, the more you’re able to repay each month the quicker you’ll be able to clear your debt. HSBC will conduct a 'dummy authorisation for ₹1,000' on the other bank credit card. Credit is subject to status, affordability and applicable terms and conditions. This offer is by way of a special facility for select Cardholders and nothing contained herein shall prejudice or affect the terms and conditions of the Cardholder's agreement. All existing guidelines/rules related to the Balance Transfer including approval of Balance Transfer will be applicable. You can transfer balances from more than one other bank credit cards under the same of different Balance Transfer options, within this limit. Quick and Timely: If the customer is able to meet the eligibility criteria of a balance transfer then HSBC Bank will allow the customer to transfer the balance from one credit card of different bank to HSBC Bank credit card within a short period of time, hence would be of timely help to pay the current credit card debt. Plus, the HSBC Balance Transfer Credit Card offers cashback as well as rewards from your favourite shopping brands – all for no annual fee. All features and benefits are subject to Terms and Conditions. To pre-close the Balance Transfer on EMI facility, the Cardholder should contact HSBC PhoneBanking. Upon completion of the 'Balance Transfer term', if applicable, balance amount is merged with the other outstanding on the credit card and interest will be charged as per regular rate applicable, as communicated to the Cardholder from time to time. To be eligible for an HSBC Credit Card you need to: If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch. You'll need to bring identification, proof of your address and a recent bank statement. By participating in this offer, the Cardholders shall be deemed to have accepted all the terms and conditions in totality. Easy eligibility: You can balance transfer any dues of more than Rs. Since it is not tenor based, a minimum of 5% (subject to min of 100) of the Balance Transfer perpetual outstanding amount should be paid every month. Processing fee: 1% of the Balance Transfer value (subject to minimum of ₹149) SMS ‘BTR’ to 575750 and our representative will call you back, Sample calculation of Monthly installment for ₹1,000. Balance Transfer Consolidate all of your outstanding balances to your HSBC credit card. Calculate your balance transfer savings Enter an amount, select a plan and we will show you the savings you can get from our Balance Transfer offer. If you have more than one credit card, a balance transfer could help consolidate what you owe, streamlining multiple monthly bills into one easy low-interest payment. With your HSBC Credit Card you enjoy the Balance Transfer feature allowing you to transfer other credit card outstanding dues above ₹5000 for repayment at lower interest rates. HSBC will not be responsible or liable for any direct or indirect loss, damage, actions, claims, demands, costs, charges, and expenses whatsoever that may be suffered, as a result of participating in the offer. The interest rate on the balance transfer applies for 26 months and must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently 21.99% p.a. EMI, Cash advances, Purchase outstanding and Balance Transfer in descending order of interest rates, and within a given 'plan', the payment will be allocated in a predefined order of Service charges, Finance charges, Late payment charges, Annual fee and Other fees. Balance Transfer-on-EMI is a facility that allows you to transfer the outstanding balance from your other bank credit cards to your HSBC Credit Card and repay it in easy monthly instalments at a lower interest rate. 2. The Zero% Balance Transfer is a feature on HSBC Credit Cards whereby you can get part of your unused HSBC Credit Card limit to pay off your outstanding balance on credit cards issued in Egypt that you may hold with other banks by transferring the balance into the other bank card account via a transfer. https://www.bankbazaar.com/credit-card/credit-card-balance-transfer.html Simplify your banking and consolidate your debt with an HSBC Balance Transfer 1. 5,000 to HSBC Credit Cards under … In case the amount paid does not clear the EMI amount (partly or fully), the remaining EMI amount will be added in the next month's minimum amount due along with standard interest rate charged on the said amount. The Cardholder can transfer outstanding balance from one or more other bank credit cards under the same or different Balance Transfer options, within this limit. Find out how an HSBC Advance Current Account can reward you. Balance Transfer processed through NEFT cannot be reversed once the request has been processed and the amount has been credited to the other Bank credit card account. Benefits of Balance Transfer to HSBC Credit Card. HSBC shall not be held liable for the service charges or late payment charges debited to your other bank credit card account due to decline or delay in execution of your Balance Transfer request. EMI payable towards Balance Transfer on EMI will be set-off first before any payment is apportioned towards other outstanding. Any payment made in excess of the Total Payment Due will only be adjusted to the future purchase outstanding in accordance to the ' payment hierarchy' as defined herein. The loan period is defined as the loan tenor selected by the Cardholder at the time of request. Balance Transfer Proceeds will be credited to other Bank’s credit card account through National Electronic Funds Transfer (NEFT) only. HSBC India reserves the right to seek such documents as deemed fit, for … © The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India). Please note that the payment made will be apportioned as per the payment hierarchy. There is no predefined repayment term. All rights reserved, Discover our longest balance transfer card. Accordingly, conversion of such transaction into an Equated Monthly Instalment (EMI) scheme is prohibited. Any outstanding balance at the end of the Balance Transfer term, if applicable, cannot be transferred to another Balance Transfer option being offered by HSBC at that time. Introductory rates only apply if you haven't held an HSBC credit card within the last six months. The terms of this offer shall be in addition to and not in derogation of the terms contained in the Cardholder's agreement. If amount requested to be transferred from other bank credit cards to the Cardholder's HSBC Card is greater than 95% of the available credit limit on the Cardholder's HSBC Card, Balance transfer (Including Interest) will be processed for an amount that equals to 95% of the credit limit. If approved, your credit card will be dispatched within 3 weeks. The Cardholder can transfer the outstanding balance from one or more other bank credit cards under the same or different Balance Transfer options, within the HSBC Credit Card limit. 6.74 % 1 for computing the minimum payment due, as mentioned on the market... yet interest. Your Balance Transfer will be treated as purchase outstanding for the Balance Transfer credit cards any dues of than. Bank ’ s credit card % offer available on the other lenders until your is., Balance Transfer fee: Balance Transfer applies for 26 months and must be nondelinquent and current on charges! 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