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HSBC Westside Classic Credit Card

HSBC Westside Classic Credit Card

43.5%* per month (42%*

43.5%* per month (42%* per annum). The calculation of the financecharges is explained in detail on page 35. This charge may be alteredfrom time to time at the sole discretion of HSBC.*Or at such modified rates as decided by the Bank from time to time4. International ATM access:Cash advance - You have access to cash, round the clock, at over7,00,000 ATMs worldwide. These include VISA Card/Cirrus* and allHSBC ATMs.HSBC Westside Classic Credit Cardholders can withdraw cash from anyof the ATMs/authorised money changers/authorised cash advancemerchants up to Rs. 50,000 per day, within the overall limit specified inthe tariff sheet.Using the cash advance facility will attract a transaction fee andfinance charges at the prevailing rate (refer to the tariff sheet on page34). Finance charges are applied from the date of withdrawal until theentire amount along with the charges are cleared in full. Whilewithdrawing cash over the counter, you will be required to provideadditional identification, such as your driving licence or passport.At HSBC ATMs in India, you can obtain the following services inaddition to cash withdrawals:• Transfer of funds to HSBC Savings/Current accounts • Creditcard account balance inquiry • Minimum payment due enquiry• Payment due date enquiry • Deposit cash or cheque for credit toyour credit card account • PIN change • Request for latest creditcard statement.This means that you do not have to wait to receive yourstatement in the post to settle your credit card dues.To use the ATM facility, you will need to use your PersonalIdentification Number (PIN) which will be mailed to you by the Bankwithin 2 days of credit card issuance. You can change this initial PINby using the PIN change facility at any ATM.*Credit cardholders can access www.visa.com/pd/atm/main.html to getcomplete details on VISA ATM locations in India and other countries worldwide.Foreign Exchange Entitlement - You can use your credit card formaking payments while on a visit outside India to the extent of the limiton the card. The card should not be used for purchase of prohibiteditems. Please refer to Credit Cardholder Agreement for details.5. Access your bank account with HSBC: Your HSBC WestsideClassic Credit Card gives you the unique benefit of accessing your bankaccount with HSBC India (if any) for the following banking transactions.HSBC ATMs India/Overseas • Cash withdrawal • Balance enquiry• Transfer of funds • Statement request (India only) • Chequebookrequest (India only).Non-HSBC ATMs India/Overseas (VISA/MasterCard ® /Cirrus ATM):• Cash withdrawal onlyKindly note that overseas cash withdrawal facility is not available forcredit cards linked to NRO accounts.*Please note that the facility of accessing your Bank account is available if youspecify your Bank account with HSBC for the ATM access facility while applyingfor your credit card. All cash withdrawals overseas must be in accordance withthe exchange regulations of RBI. A transaction fee is applicable as detailed in thetariff sheet.6. Internet Banking: Use your HSBC Westside Classic Credit Cardnumber and your HSBC Westside Classic Credit Card PIN to registerfor online@hsbc services. Choose your User ID and password to logon. You can instantly track your credit card transactions, downloadstatements, redeem Reward points and communicate directly andprivately through secure online messaging.7. PhoneBanking: To bank over the phone, you will require yourPhoneBanking Number (PBN) and Personal Identification Number

(PIN). Now you can enquire your balance, pay credit card bills andmore without actually stepping into the Bank.8. Zero lost credit card liability & claim procedure: HSBC WestsideClassic Credit Cardholders have zero lost credit card liability, after theloss of the credit card has been reported to the Bank in writing or tothe VISA Card Global Emergency Assistance Helplines. However,you will be liable for all charges incurred on your credit card beforeyou report the loss of your credit card.In the event that you lose your credit card, please report the loss toHSBC or to the VISA Card Global Emergency Assistance Helplinesimmediately. You are also required to file a police report for thelost/stolen credit card and send us a copy of the acknowledged policereport to enable us to process the insurance claim.To report a lost credit card, you may call any of our CustomerService Officers in India or VISA Card Global EmergencyAssistance Helplines. Please confirm the loss in writing to, TheManager, Credit Cards, Post Box No. 5080, Chennai - 600 028.The Bank will arrange to replace your credit card as soon as theinstructions, in writing, of the loss and requesting for areplacement card, are received, so that you do not lose theconvenience of your credit card for long.If you recover your credit card after you have reported its loss, pleasedo not attempt to use it. Instead, please destroy the credit card bycutting it into several pieces.9. Secure Online Payment Service: HSBC gives you the power topassword-protect payments by your HSBC Westside Classic CreditCard on the Internet, as an extra layer of protection at no additionalcost. Now you can create your password and use it like an ATM PIN,for making payments on the Internet. To set your online password orfor further details, please visit www.hsbc.co.in10. Balance Transfer: Transfer your other bank credit card outstandings(any amount above Rs. 3,000) to your HSBC Westside Classic CreditCard. You can choose from the following 3 tenure options:• 3 months Balance Transfer• 6 months Balance Transfer• Perpetual Balance TransferFor Terms and Conditions please refer to page 19.11. Balance Transfer on EMI: You can also choose to transfer your otherbank credit card outstandings to your HSBC Westside Card and payback in easy monthly instalments. The interest rate and tenureoptions that you can choose from are:• For 6 months and 12 months tenure options: 1.50% p.m.(18% p.a.)• For 18 months and 24 months tenure options: 1.65% p.m.(19.80% p.a.)For detailed Terms & Conditions please refer to page 22.12. Loan on Phone: Your HSBC Westside Classic Credit Card providesyou with an easy way to pay for the holiday of your dreams,jewellery, new TV or a computer through the exciting new 'Loan onPhone' feature. It allows you to pay for your purchases (of aminimum of Rs. 2,000) on your HSBC Westside Classic Credit Cardin convenient monthly instalments. EMIs are calculated at anunbelievably low interest rate of 1.99% per month (23.88% p.a.)on monthly reducing balance for Classic cardholders. All you needto do is call HSBC Customer Service Centre within 15 days of5

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