I and my wife both hold HSBC credit cards, we are located in hyderabad. Took the cards during some HSBC credit card campaign.
My recommendation is please do not take the card ever. please refrain from it
1) Hopeless customer care via phone. They keep asking for some T-pin which you can never reset. It takes 20 mins to connect to customer care, and something goes wrong and you have to wait for 20 mins again.
2) Some of their phone representatives are pretty rude.
3) There is only one branch in Hyderabad, so we are very much dependent on their phone customer services which is pathetic.
4) I have been trying since many weeks to just change my address and it was unsuccessful.
5) unlike other bank these people put six digit pin so there is high probability you forget the number as other banks have four digits.
I finally decided to close the credit card, god know how much of effort is that.
My sincere recommendation is be away for this bank, as their phone customer service is inadequate and they hardly have branches. One has to travel 20-30 km for reaching their branch and spend half day for it.