I have been using thid HSBC for almost 1 and half year now. The credit card division of HSBC is not up to mark.The credit charges are very high compared to other credit cards.I was not at all satisfied with the customer service because of their arrogancy to the fact that the payments should be instant and the charges should be balanced.The payment gateway crashes very often unlike debit cards.overall you have to pay some surcharge for a payment less than 1000.so guys plzz avoid to apply for this card.