From the reference of my office I had an account in HSBC so according I got credit card as per the limit of my salary and I started using unlike other cards but on the initial month I made a little late payment of my bill and they charged me almost 1k ( on 30k) for delay for 12days only that shows high interest rate.
In between I contacted to customer support just in case I get some rebate on the amount but nothing had happened favourbale. Even then they sent me again fresh bill copy with same figures. Customer service very clear cut and always ping to get recover the balance.
Overall HSBC great bank and services but quite costly.