I have been using my HSBC gold card for past 1 yr, am quite happy about the service and discounts they offer time and again. I have read quite a few reviews on HSBC card and most of them were carrying on a negative impression on this service provider. To be frank my association with HSBC is more than 2 yrs and no day I were left unsatisfied about HSBC. Yes problems do arises but most of the time when I sought for help from customer service they were polite and helpful at all times. Few were stating that they were not getting statements in time, my experience sounds contradictory to their review, cos most of the time I get my statement within two days from the date of bill generation.
*Highlights of HSBC card:
If you are a shopping freak, you will get special discount for HSBC customers. Conditions Apply... Dont be comical here, expecting 10-15% discount for buying a product lesser than 1000 Rs value.
Reliable card for online transactions, most of railway ticket bookings in done through HSBC card. It never let me down.
Petrol surchage waiver for over and above 400 Rs of petrol refill.
Secured NetBanking facility...I would rate this as a least b’cos if you are not having HSBC a/c this net banking device is of no use other than viewing your e-statements online.
Balance transfer, bit painful to get it on time, but worth going for it if you have heavy outstanding with other bank credit card.
Now a days cards are coming with exclusivity or co-branded cards to attract the customers. Dont look for one card to provide you an all round performance. If you are looking for lsuch a card then I would suggest HSBC will not fit into your budget, HSBC comes with hidden tagline "The More You Spend The More You Gain"