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HSBC India Premier

Platinum Debit Card Service Guide
•
Welcome to the world of The Hongkong and Shanghai
Banking Corporation Limited, India (HSBC India). You will
be pleased to know that you now have an HSBC India
Premier Platinum Debit Card that brings you convenience
and privileges.

The debit card gives you electronic access to your

savings or current account with HSBC India. As part of
HSBC India’s constant endeavour to offer its customers
enhanced value, the Debit Card from HSBC India offers
the added protection of Chip technology – a global
security standard in cards. Debit Cards from HSBC India
are classified as ‘Chip and PIN’ debit cards.

Your HSBC India Premier Platinum Debit Card can be

used1 at HSBC Group ATMs of Visa network and at Visa
merchant outlets.

The HSBC India Premier Platinum Debit Card offers you

the best possible alternative to carrying cash and allows
you extensive access to your savings or current account,
anywhere and anytime.

To learn more about the services you can enjoy and the
usage of your HSBC India Premier Platinum Debit Card,
please read this user guide and Cardholder’s agreement
thoroughly.

Thank you for giving us the opportunity to serve you. We

look forward to being of service to you and hope you will
enjoy using your HSBC India Premier Platinum Debit Card.

1
Subject to you opting for international usage on your debit card.
Please refer to terms and conditions to know more about
international usage.
Table of contents

• Knowing your HSBC India Premier Platinum

Debit Card – Important definitions 5

• Important points 7

• Getting started with your HSBC India

PremierPlatinum Debit Card 11

• Benefits of HSBC India Premier

Platinum Debit Card 14

• International usage of your HSBC India

Premier Platinum Debit Card 16

• Safeguarding your HSBC India Premier

Platinum Debit Card 19

• HSBC India Premier Platinum

Debit Card Tariff Sheet 20

• HSBC PhoneBanking numbers 23

Knowing your HSBC India
Premier Platinum Debit
Card – Important definitions
Front

1. Chip: The embedded Chip provides the latest in

security features. The Chip protects your card from
fraudulent usage – especially counterfeiting and
skimming card frauds.
2. Debit Card number: This is your exclusive 16-digit
card number. Please quote this number in all
communication/correspondence with the Bank.
3. Your name: Only you are authorised to use your
debit card. Please check to see that your name has
been correctly printed.
4. Electronic usage sign: In case of purchase
transactions, the HSBC India Premier Platinum Debit
Card can only be used at merchant outlets with Point
of Sale (POS) swipe terminals. Please do not use your
HSBC India Premier Platinum Debit Card at merchants
with ‘paper imprinters’ or for Mail Order/Telephone
Order (MOTO) transactions.
5. Valid From - Expires End (mm/yy): Your debit card
is valid from the first day of the month until the last
day of the month of the year indicated on the debit
card.
6. Visa Electron/Visa logo and hologram: Any
merchant establishment displaying this logo should
accept your HSBC India Premier Platinum Debit Card.

2
6
3

4 5

5
 Back

7. Magnetic stripe: Important information pertaining to

your HSBC India Premier Platinum Debit Card is encoded
here. Please protect your HSBC India Premier Platinum
Debit Card from scratching and exposure to magnets
and magnetic fields as they can damage the stripe.

8. Signature panel: Please sign this panel immediately

on receipt of your HSBC India Premier Platinum
Debit Card with a non-erasable ballpoint pen
(preferably in black ink). The signature you will use to
sign charge slips at merchant outlets needs to be the
same as this signature in case the transaction done
through non PIN enabled POS terminals.

9. Card Verification Value (CVV): The CVV Number

(Card Verification Value) on your debit card is a
3-digit number on your Visa debit cards.

10. Personal Identification Number (PIN): You will receive

a confidential PIN for use of your debit card at ATMs.

11. Service Provider - ‘Service Provider’ means third

party utility service provider or any other service
provider, e.g. CSP, Electricity Distributor, Gas
Distribution

12. Gross Negligence - Gross negligence is a conscious

and voluntary disregard of the need to use reasonable
care, which is likely to cause foreseeable grave injury
or harm to persons, property, or both is not covered
under the insurance cover offered by the Bank.

13. Lost Card Liability - The HSBC India Premier

Platinum Debit Cardholder has nil lost debit card
liability after reporting and registering the loss of the
HSBC India Premier Platinum Debit Card to HSBC.
Lost Card Liability protection is offered both by ICICI
Lombard General Insurance Co. Ltd. and Visa
6
Important points
• For your safety, the HSBC India Debit Card sent to
you is inactive, for use at merchant establishments
or for online transactions (Please refer to the section
‘Getting started with your HSBC India Debit Card’ on
page 6 for details on how to activate your card)
• A Personal Identification Number (PIN) will be issued
to you separately, for using your HSBC India Debit
Card at ATMs and POS terminals
• We will send this PIN to your registered mobile number
by SMS within 3 working days after your debit card is
issued subject to successful authentication. Refer ‘PIN and
Passwords’ section below for details on the process to be
followed. You can change this PIN to one of your preference,
by using the PIN change facility at any HSBC ATM.
• Along with International and domestic usage, customers
can choose to enable or disable POS and online transactions
independently under these categories. To do so or to
personalise card limits or enable/set transaction limits,
mention last 4 digits of your HSBC card, transaction type
and transaction limit e.g. 1234 enable ATM INR 50,000 and
send a secure message via Online Banking or visit your
nearest HSBC India Branch.
PINs and Passwords
A. We will conform to internationally accepted
standards for PIN generation, storage and terminal
security relating to PINs and passwords. This
will ensure confidentiality and security for your
protection.
B. We will send your Debit Card PIN by SMS to your
mobile number registered on our records.
Please follow these steps.
Step 1: Once your Debit Card is issued and/or you
request for an ATM PIN at Phone banking/Branch
( for existing debit card holders) , we will send you
an SMS notification for your Debit Card ATM PIN on
your registered mobile number as available in our
records. You need to respond to this SMS by sending
a password or authentication code from your same
mobile number.
Step 2: The password is a combination of the first two
letters of your first name on the card, date of birth
as DDMM and the last 4 digits of your credit card
number (no symbols or spaces). SMS this password
to +919958418884.
Step 3: After we validate your password, we will send
your Debit Card PIN by SMS. Please treat your PIN as
7
 confidential and memorize it. After you use this PIN,
you can change it to one of your preference at any
HSBC ATM. It is recommended that you delete the
PIN SMS for security reasons.
If you are unable to validate your password/details
through an SMS, or if the validation is not successful
after two retry attempts, request you to contact
HSBC PhoneBanking or visit your nearest HSBC India
branch and request for a new PIN. We will follow this
approach for PIN on new Debit Cards issued by us.
C. The above process will also apply for regeneration of
PIN for existing debit cards. You can place the PIN
regeneration request by calling HSBC PhoneBanking,
at your nearest HSBC India branch or by logging on
to the HSBC Online Banking service and sending
a secure message. The PIN will be sent to your
registered mobile number via SMS in one (1) day or
will be delivered at your registered communication
address with us within seven (7) days, as per your
convenience, after the PIN regeneration request is
successfully placed.
• You will be required to authenticate your purchases at
merchant outlets in India using your 6-digit PIN at the
Point of Sale (POS) terminal, to complete the payment.
Please contact us in case you need a new PIN to be issued
For all debit cards issued on or after 1 December
2013, customers who have opted for domestic usage
will not be able to make any overseas transaction,
ATM and Point of Sale (POS) including online
transactions on international websites.
Please note in absence of usage preference, bank
shall issue a Debit Card with domestic usage only.
Upon activation, your card can be used at domestic
ATM, Point of Sale within the limits specified in the
Terms and Conditions for your card.
To convert the card from domestic usage to international
or vice versa, send a secure message via Personal
Internet Banking or the Mobile Banking app or submit a
‘Domestic/International Card Usage Form’ at the nearest
HSBC India branch. The form is also available under
application forms section in www.hsbc.co.in.
• For successful use of your Debit Card it is important that
your bank accounts is operational and has sufficient
balance at any given point of time. Your Debit Card also
8 needs to be operational i.e. it should neither be blocked/
 hotlisted nor expired
• For online purchases, you should fill in the correct
debit card details including CVV number (found at
the back) and OTP which you would get as a test
message on your mobile number registered with us.
OTP is valid for that particular transaction only
• Please check the name on your HSBC India Premier
Platinum Debit Card and sign on the signature panel on the
reverse of your HSBC India Premier Platinum Debit Card
• Do remember to begin using this debit card only from
its ‘Valid From’ date
• Now you can use your debit card for contactless
payments without needing to input your PIN at the
Point of Sale (POS) terminals enabled for contactless
Payments
• Please note that domestic payments through contactless
mode is allowed for a maximum of `5,000 for a single
transaction and for international payments, the same is
allowed for a maximum amount equivalent to `5,000 for
a single transaction. For any transaction which is above
the aforesaid limits would necessarily require PIN for
authentication
• Currently your debit card limit for contactless payment is
zero. To change the limits (as applicable above), request
you to visit your nearest HSBC India branch or send a
secure message through Online Banking
• In case this is a replacement card (due to loss, theft,
damage etc.) you will continue to enjoy the replaced
card’s limits.
• For security reasons, your debit card is in a de-
activated state. Upon activation, your card can be
used at domestic ATM, Point of Sale (PoS) within the
limits specified in the Terms and Conditions for your
card. To provide enhanced security, Domestic card not
present (Online) Domestic & International Contactless
and International transactions (ATM, POS and Online)
transactions are disabled. In case you are a NRE or
Resident Debit Card holder , then you can apply for
International usage on you card. Under both domestic
and International usage, you can also choose to
enable or disable PoS and Online transactions
independently. To do so or to personalise card limits or
enable/disable all types of transactions on your card,
please send a secure message via Online Banking or
9
 visit your nearest HSBC India Branch.
For sending a secure message through Personal
Banking, log on to Online Banking Help and Support
(Contact us Secure messages – Debit card set
transaction limits)
• Please note that, you will always have the option to
choose whether you’d want to opt for contactless
payment at the Point of Sale (POS) terminals enabled
for contactless payments. You can also pay normally
by using your PIN
• To know more on your Debit Card usage, please refer
to the Frequently Asked Questions (FAQs) hosted in
www.hsbc.co.in or call HSBC India PhoneBanking for
further details.
• Please note in absence of usage preference, bank
shall issue a Debit Card with domestic usage only
• In case of non PIN enabled POS terminals, PIN/
signature verification is essential for Debit Card
transactions, you need to be physically present
along with your HSBC India Debit Card at the time of
purchase i.e. the HSBC India Debit Card cannot be used
for Mail Order/Telephone Order (MOTO) transactions
• By using your debit card, you accept the terms and
conditions stated in the Cardholder’s agreement.
The terms and conditions are also uploaded on the
HSBC India website for Cardholders information
• In case you use your HSBC India Premier Platinum
Debit Card as a Power of Attorney (POA) holder [on
behalf of the accountholder(s)], we require you to
state ‘POA Holder’ or ‘Constituted Attorney’ below
your signature at the time of executing payments at
merchant establishments on the charge slip
• We request you to intimate the Bank in case of
change of residency status as per Foreign Exchange
Management Act, 1999 (FEMA). Please surrender your
debit card before proceeding overseas on permanent
employment and/or emigrating and/or changing your
nationality. Please ensure that use of your debit card
is in accordance with the relevant Exchange Control
Regulations issued and amended by Reserve Bank of
India from time to time and adheres with the provisions
under the Foreign Exchange Management Act, 1999
(FEMA). Any violation may hold you liable for action as
per the guidelines of the Act
10
• If you are receiving an HSBC India Debit Card on
renewal/ replacement of your existing Debit Card, then
a new PIN will not be issued. Please use your existing
PIN for activation of your card
• If you have an existing/earlier issued HSBC India Debit
Card linked to any of the accounts which is linked to
this HSBC India Premier Platinum Debit Card, it will be
deactivated 30 days from the date of this letter. To prevent
any misuse, please remember to destroy your earlier debit
card by cutting it across the magnetic stripe once you
have used your HSBC India Premier Platinum Debit Card
• You only will be able to access only your primary account
at merchant establishments whilst transacting on this
debit card
• You can use your HSBC India Premier Platinum Debit
Card at HSBC Group ATMs of Visa network and at
Visa merchant outlets worldwide
• I In addition to the SMS that you received on your
registered mobile number on debit card transactions
at Point of Sale (POS) terminals, ATMs and internet
purchases, you will also be receiving e-mail alerts
on your registered e-mail ID, confirming the Debit
Card transaction. To avail this facility, please ensure
that your current e-mail ID and mobile number is
registered on Bank’s records. To update mobile/e-mail
ID, please call HSBC India PhoneBanking numbers.
Alternatively you can update the same through Online
Banking
• Please note that based on the Goods and Services Tax
(GST) regulations and notified GST rates, Central GST, State/
Union Territory GST, or Inter-State GST, as applicable, and
Cess as applicable would apply on our fees and charges.
Please note:
HSBC India Debit Cards linked to Non-Resident Ordinary
(NRO) account or Power of Attorney (POA) Debit Card
linked to HSBC India NRE account will have access only to
HSBC India ATMs, ATMs affiliated to the Visa network and
Visa merchant outlets in India.

11
 Getting started with
yourHSBC India Premier
Platinum D
 ebit Card
Activating your HSBC India Premier Platinum Debit Card
For security reasons, we send you an inactive card. You
need to activate your card first before using the card at any
merchant establishment or for online transactions.
To activate your HSBC India Premier Platinum Debit Card:
1. The Debit Card can be activated through IVR. Kindly
call us on 1800 121 4015 (along with the 6-digit PIN).
2. Use your HSBC India Debit Card at any Visa ATM
worldwide, by entering the PIN. This is applicable only
to debit cards linked to HSBC India Resident and/or
Non-Resident External (NRE) Account.
or
3. Use your debit card at POS terminal that supports Chip and
PIN capability. You will need to enter your 6-digit PIN after
the merchant dips the debit card at the POS terminal.
or
A Personal Identification Number (PIN) will be issued to you
separately for using your debit card at ATMs and POS terminals.
Please note:
In case your HSBC India Debit Card is linked to Non-
Resident Ordinary (NRO) Account or is a Power of Attorney
debit card linked to HSBC India NRE Account, you are
requested to use the debit card at any Visa ATM/merchant
outlet in India, by entering the PIN issued by HSBC India.

Merchant Establishment
You need to follow these simple steps to make payments
at merchant establishments with your HSBC India Premier
Platinum Debit Card.
The Debit Card is for electronic use only and will be
accepted only at merchant establishments which have
an electronic POS swipe/contactless payment enabled
terminal. Any usage of the card for purchases at
merchant establishments other than through a Point of
Sale/contactless payment enabled swipe terminal will
be deemed unauthorized and the Cardholder shall be
responsible for such transactions. Please refer Merchant
Establishment usage section mentioned in the terms and
conditions for details.
1. Look for a Visa logo at the merchant establishment. The
merchant must have an Point of Sale (POS) swipe terminal.
2. Shop and select the goods you wish to purchase.
3. Present your HSBC India Premier Platinum Debit Card
to the merchant at the time of making payment. The
merchant will dip the debit card into the card reader in the
POS terminal and enter the amount to be paid by you.
12
4. At the PIN enabled POS outlets, you will be required
to enter your HSBC India Premier Platinum Debit Card
PIN on the POS machine.
5. A charge slip is generated from the electronic swipe
terminal.
6. Check the amount on the charge slip and sign it in
case the transaction done through non PIN enabled
POS terminals. Your signature must match that on the
HSBC India Premier Platinum Debit Card.
7. The merchant verifies the signature and returns the
HSBC India Premier Platinum Debit Card along with
charge slip.
8. After a successful authorisation, a hold for the
transaction amount will first be placed on your
account. Your account will subsequently be debited
for the transacted amount.
9. Please refer to the section titled ‘Important guidelines on
international usage’ for details on usage of your HSBC Debit
Card at merchant establishments located outside India.

Online usage
• Your HSBC India Premier Platinum Debit Card can be
used for shopping online at websites where Visa cards
are accepted. Whether, it is travel or movie tickets,
hotel reservations, shopping for luxuries, paying utility
bills or making investments - you can do it safely from
the comfort of your home. Your online transactions
are secured by 3-D Secure (3DS) technology, which is
an added layer of security for online credit and debit
card transactions. 3DS was developed to improve
the security of online transactions and is offered to
customers as the Verified by Visa (VbV) service
• Please note that, you will not be able to transact
online other than Verified by Visa (VbV) sites
• To shop online with your HSBC India Debit Card, you
would need to input the CVV number of your debit
card (found at the back of debit card) and require
to authenticate the transaction using an One Time
Password (OTP). The OTP will be automatically sent by
our system to your registered mobile number via SMS
when you initiate the online transaction. At the VbV
authentication screen you will be required to enter the
6-digit OTP to complete the online transaction
• Please ensure, you have registered your mobile
number with the Bank to receive the OTP and
authenticate the online transaction
13
 • All merchants in India offering online transaction
option on their websites are required to implement
two factor authentication as per RBI mandate.
Therefore, in case an Indian website does not provide
VbV service, the transaction will be declined
• If the website is based abroad and does not provide
VbV service, the online transaction will be selectively
approved based on the type of purchase transaction
and as per HSBC India’s policy
• You are requested to adhere to the terms of usage of
your HSBC India Debit Card while undertaking such
online transactions

At ATMs
At an HSBC ATM, you can perform any of the following
transactions:
1. Cash withdrawal
2. Balance enquiry
3. Obtain a mini account statement - last 8 transactions
on your account
4. Transfer funds between HSBC Accounts
5. Change PIN
6. Request account statements
7. Request a cheque book
8. Deposit cash/cheque at select ATMs where this facility
is available

Please note:
At other bank Visa ATMs, you can only access the
primary account linked to your HSBC India Premier
Platinum Debit Card.
Your bank account linked to your HSBC India Premier
Platinum Debit Card should have appropriate balance to
carry out any transactions on your debit card.
Cash withdrawals at HSBC ATMs in India will be free of
cost. At other banks’ Visa ATMs in India and HSBC ATMs
overseas, you can perform cash withdrawal and balance
enquiry transactions only. All international transactions*
will continue to be charged.
The Bank will charge a cross currency conversion mark-
up of 3.5% of the INR value of the transaction (plus
applicable taxes#) on all international transactions* (ATM
and POS) using the HSBC India Debit Card. Daily ATM
cash withdrawal limits will apply. As a savings/current
accountholder you can withdraw up to `100,000 per day.

14
Taxes will be applicable as per the prevailing rates. Please
refer Tariff Sheet on page 20 for further details.
Note: Cardholders who have opted for international use,
will be able to perform the above transactions at
international HSBC ATMs.
#
Please note that based on the Goods and Services Tax (GST)
regulations and notified GST rates, Central GST, State/Union
Territory GST, or Inter-State GST, as applicable, and Cess as
applicable would apply on our fees and charges.

15
 Benefits of HSBCIndia
Premier PlatinumDebit Card

Your HSBC India Premier Platinum Debit Card entitles

you to a host of privileges:
• Enjoy higher Transaction Limits
For HSBC India Debit Cardholders, the daily ATM cash
withdrawal limit is `100000 and purchase transaction
limit is `100,000 per day, subject to the balances held
in the account. Please note that, the limits on Cash
withdrawal and purchase transactions are subject to clear
funds available in HSBC India Account(s). For Resident
customers, the usage of Debit Card towards drawing
cash or making payment to a merchant establishment
overseas during your visit abroad is only for permissible
current account transactions and is subject to limit as
prescribed under Liberalised Remittance Scheme (LRS) as
applicable from time to time.
• Enjoy 24X7 Access to HSBC India PhoneBanking/
Customer Services
To activate your HSBC India Premier Platinum Debit
Card or for any queries regarding your HSBC India
Premier Platinum Debit Card, please call HSBC India
PhoneBanking. To know the HSBC India PhoneBanking
numbers in your city, please refer to the section
‘PhoneBanking Numbers’.
• 24X7 Concierge Service
As a privileged HSBC India Premier Platinum Debit
Cardholder, enjoy 24-hour access to a wide range of
special assistance services, making your life simpler.
To avail of the concierge services from India, just dial
000 117 followed by 866 765 9643. This number is
accessible only from a phone which has international
dialling facility. This is a toll-free number from India
and you will not be charged for this call.
• Additional Cards
Additional HSBC India Premier Platinum Debit Cards
will be issued to joint accountholders of the account,
provided the operating instructions for the account
are ‘Anyone or Survivor’. To know how to apply for
additional cards, please call HSBC India PhoneBanking.
• Effective Money Management Tool
All transactions on your HSBC India Premier Platinum
Debit Card including those on additional cards will
reflect along with the relevant details on your regular
bank account statement sent periodically.
• Insurance cover on your HSBC India Premier
Platinum Debit Card
Your HSBC India Premier Platinum Debit Card is
insured through insurance service provider ICICI
16 Lombard General Insurance Co. Ltd. that covers you up
 to `500,000 under the following scenarios -
• Lost Card Liability
• Counterfeit/Skimming of Cards
• Online fraud protection
Lost Card Liability*- Your liability for unauthorised
transactions on the Lost Card. The HSBC India Debit
Cardholder has nil lost Debit Card liability after reporting
and registering the loss of the HSBC India Debit Card
to HSBC India. Please refer the Debit Card terms and
conditions for details.
Counterfeit Cards - Skimming i.e. Any Fraudulent Use
of a Bank Card(s) where property, labor or services
are sold and delivered by a merchant to an individual
purporting to be the Cardholder using telephone,
fax machines, postal services or a computer based
system or network) is covered under this Policy.
Online fraud protection - Phishing/account takeover i.e.
Any fraudulent loss or damage arising due to Information
obtained by Unauthorised Access to sensitive information
such as usernames, passwords and any card details by
masquerading as a trustworthy entity in an electronic
communication which is not owned, operated or
contracted by the Insured or the Insured’s Bank Card
processor) is covered under this Policy.
*Lost Card Liability Protection is also provided by Visa
up to `100,000; however customers may choose to
claim either from Visa or from ICICI Lombard General
Insurance Co. Ltd.
• Lost Card Liability Protection provided by Visa
You are protected directly by Visa from any financial
liability, arising from purchase transactions done on
your card, for up to 30 days prior to reporting the loss to
HSBC. The maximum liability cover per card is `100,000.
• Visa Platinum Offers
Enjoy Visa Platinum privileges.
Visit www.visaplatinum.com for more details and
terms and conditions.

17
 International usage* of
your HSBC India Premier
Platinum Debit Card
(Applicable to debit cards issued on Resident and
NRE Accounts if opted for international usage)
Your HSBC India Premier Platinum Debit Card can be
used at Visa ATMs overseas for cash withdrawals and at
Visa merchant establishments overseas for purchases.
However, it is not valid for making transactions in
currencies other than the local currencies of India, Nepal
and Bhutan when travelling in Nepal and Bhutan.
To enhance security on your transactions, debit cards
issued on or after 1 December 2013 will have an option of
international or domestic usage facility. Cardholders who
choose domestic usage facility will not be able to carry out
the following kinds of transactions:
• Point of Sale (POS) transactions outside India
• E-commerce transactions on international websites
• Transactions at ATMs located outside India
Steps for usage of the debit card will be the same as usage
in India. Your transaction will be in foreign currency but
your account will be debited in `. The rate of exchange will
be determined by HSBC India.
All international transactions on your HSBC India
Premier Platinum Debit Card will be reflected in your
bank account statement.
Please note that you will be able to access only your
primary account while transacting at Visa ATMs and
merchant establishments overseas.
Please note:
The Bank will charge (w.e.f. 20 July 2009) a cross currency
conversion markup of 3.5% of the ` value of the transaction
(plus applicable taxes#) on all international* transactions (ATM
and Point of Sale) using the HSBC India Premier Platinum
Debit Card.
*Applicable to debit cards issued on Resident and NRE
Accounts.
#
Please note that based on the Goods and Services Tax
(GST) regulations and notified GST rates, Central GST,
State/Union Territory GST, or Inter-State GST, as applicable,
and Cess as applicable would apply on our fees and
charges.
Visa Global Customer Assistance Services (VGCAS)
HSBC India Debit Cardholders can receive global assistance
24 hours a day, and 7 days a week when they travel
overseas from Visa Global Customer Assistance Services.
Please note that the services are charged as follows:
Miscellaneous customer service enquiries: USD 5 per call.
18
Lost/stolen card reporting: USD 35 per card. The charges
are subject to change and you are requested to verify the
same with the service providers.
These services are available to you at the following
toll free numbers:
Australia: 1-800-953852 Canada: 183-338-63370
Hong Kong: 800-938-181 United Kingdom: 0800-048-9157
Singapore: 800-1014-362 United States: 183-399-82278
For any other country, please log on to the Visa website
www.visa-asia.com
Important guidelines on international usage
• All Chip debit cards issued on or after 1 December
2013 will be enabled for domestic or international
usage as per the preference of the Cardholder at the
time of debit card application
• In case you use your HSBC India Debit Card
internationally where the merchant does not have a Chip
enabled POS terminal, the magnetic stripe on your Debit
Card is then utilised for that international transaction. A
limit of USD 1,000 per transaction will apply, subject to
the ‘purchase transaction limit’ (as defined in the Tariff
Schedule) and available balance on your linked HSBC
India Account
• Cardholders have the option to change the status of their
debit cards either to domestic usage or international
usage during the life of the card. To convert the card,
you can or send a secured message through HSBC
Personal Internet Banking or the Mobile Banking app or
submit a ‘Domestic/International Card Usage Form’ at
the nearest HSBC India branch.
For sending a secure message through Personal
Banking, log on to Online Banking (Help and Support
– Contact us – Secure messages – Debit card set
transaction limits)
• All expenses including cash withdrawals incurred
overseas must be strictly in accordance with
the relevant guidelines of the Foreign Exchange
Management Act, 1999 (FEMA)
Please note:
That the aggregate expenses you incur overseas
(i.e. through cash/traveller’s cheques/your bank account/
debit card/credit card) should not exceed the limit set by
RBI from time to time. For more details on your foreign
exchange entitlement, please visit your nearest HSBC
branch or call HSBC India PhoneBanking/Customer
Service representatives in your city 19
 • Any violation of the exchange control regulations arising
out of utilisation of this HSBC India Premier Platinum Debit
Card is the responsibility of the individual HSBC India
Premier Platinum Debit Cardholder (primary/additional) and
he/she shall be liable for action under the provisions of the
Foreign Exchange Management Act, 1999 (FEMA), and
any other regulations in force from time to time
• The onus of ensuring compliance with the regulations
is with the holder of the internationally valid HSBC
India Premier Platinum Debit Card
• Your account statement reflects both domestic
and international debit card transactions. Each
international transaction will show the amount in the
transaction currency together with the corresponding
Rupee equivalent
• To track your overseas spends in order to ensure that
they are within permissible RBI limits, you will have to
convert the equivalent Rupee amount shown on your
statement for each overseas transaction to USD, using
the day’s telegraphic transfer selling rate, which can
be obtained from your authorised dealer
• All transactions (domestic and international) incurred
by your additional debit Cardholders will also be
reflected on your account statement. Additional debit
Cardholders also must ensure that the expenses they
incur overseas are strictly in accordance with the
Exchange Control Regulations of the RBI
• In case the debit card is used for both business
and personal expenses, the two must be tracked
separately to ensure that you comply with both
the Basic Travel Quota and Basic Travel Allowance
permissible limits
• The Cardholder will intimate HSBC India, in case of
change of residency status as per Foreign Exchange
Management Act, 1999 (FEMA). The Cardholder shall
surrender Cardholder debit card before proceeding
overseas on permanent employment and/or emigrating
and/or changing nationality. Please ensure that use
of card is in accordance with the relevant Exchange
Control Regulations issued and amended by Reserve
Bank of India from time to time and adheres with the
provisions under the Foreign Exchange Management
Act, 1999 (FEMA). Any violation of FEMA will render
the Cardholder liable for action thereunder
• In case your debit card is lost/stolen or if you suspect
that your debit card has been used fraudulently, call
the HSBC India PhoneBanking numbers immediately
to report the loss. The Bank will block the card
immediately. In case you need your debit card to be
re-issued, you can place a request through the HSBC
20 India PhoneBanking numbers
Safeguarding your HSBC
India Premier Platinum
Debit Card

Dos Don’ts
Treat your debit card like Never leave your debit card
cash and keep it with you unattended
always
Your debit card is for your Never surrender your debit
exclusive use only card to anyone other than a
designated Bank Officer at
the HSBC branch and that
too after destroying it
When you destroy your card Never reveal or surrender
upon card expiry or closure your PIN to anyone
of your account, cut it into
several pieces through the
magnetic stripe
Please memorise your Never keep a written copy
Personal Identification of PIN in proximity of your
Number (PIN) and destroy all debit card
physical evidence of the PIN
It is recommended that you When transacting at a
change the PIN to a number merchant outlet, never sign
of your choice as soon as an incomplete charge slip
possible and at regular
intervals (at least once in
three months thereafter)
Always ensure that the Do not attempt to use your
debit card is used in your debit card at merchant
presence when transacting establishments that do not
at merchant establishments possess Point of Sale swipe
terminals
Please promptly notify Do not attempt to use
HSBC India in writing of any your debit card for making
changes in your telephone purchases via telephone/
number or mailing address mail, on the internet or in
any other ‘Card not present’
situation
HSBC India aims to give you the highest level of service
and keep you informed of products and services that
may be of interest to you. If you require any assistance
or are not satisfied with our services, please call our
PhoneBanking numbers or write to your Branch Manager.
Details are available on HSBC India website www.hsbc.co.in

21
 HSBC India Premier Platinum
Debit Card - Tariff Sheet
HSBC Customers

Service Deposit accounts

Annual fee (p.a.) Free
Additional card (p.a.) Free
HSBC ATM cash withdrawal Free
and balance enquiry
India/Overseas
Number of free^ cash
withdrawal transactions at
Free
other banks’ ATMs in India/
Overseas
Non HSBC ATM cash
`120 per transaction
withdrawal (outside India)
Non HSBC ATM balance `15 per enquiry
enquiry (outside India)
Card replacement fee
Free
(within India)
Card replacement fee
Free
(outside India)
PIN replacement fee Nil
Card replacement fee Nil
Charge slip retrieval/charge
`225
back processing fee
ATM cash withdrawal limit `250,000
(per day)
Purchase transaction limit `250,000
(per day)
Transfer limits (to accounts `150,000
linked to or not linked to card)
(per day)
Per transaction limit for cash `10,000
withdrawal at other banks’
ATMs in India
Transactions declined due to Free
insufficient funds at an ATM
*Will be recovered from the linked savings/current account in
the subsequent calendar month.
#
Please note that based on the Goods and Services Tax (GST)
regulations and notified GST rates, Central GST, State/Union
Territory GST, or Inter-State GST, as applicable, and Cess as
applicable would apply on our fees and charges.

22
Note:
1. Tariff structure is subject to change from time to time.
Changes will be made with prospective effect giving notice
of one month.
2. Use of debit card at petrol pumps would invite a surcharge
of 2.5% of the petrol purchase value or `10 (whichever is
higher).
3. The Bank will charge (w.e.f. 20 July 2009) a cross currency
conversion markup of 3.5% of the INR value of the
transaction (plus applicable taxes#) on all international
transactions (ATM and Point of Sale) using the HSBC India
Premier Platinum Debit Card.
#
Please note that based on the Goods and Services Tax
(GST) regulations and notified GST rates, Central GST,
State/Union Territory GST, or Inter-State GST, as applicable,
and Cess as applicable would apply on our fees and
charges.
Non-Resident country specific disclaimers (applicable
only for Non-Resident customers)
NRI deposits and/ or accounts are held with The Hongkong
and Shanghai Banking Corporation Limited, India (HSBC
India) and are payable in India. NRI deposits / accounts
are governed by extant regulatory requirements prescribed
by Reserve Bank of India, subject to the sovereign risk
arising from and governed by the laws of, or any changes
to the laws of India, and are not insured by any insurance
company or corporation outside India.
NR deposits with the Bank in India are not insured by
Federal Deposit Insurance Corporation (FDIC) of the USA.
Under current US tax laws, US citizens and residents
are subject to tax on their worldwide income. You
should consult your tax advisor for the US treatment of
income from these deposits and any other US reporting
requirements that may apply to your account.
NRI accounts and services are offered by The Hongkong
and Shanghai Banking Corporation Limited, India (HSBC
India). HSBC India is a branch of The Hongkong and
Shanghai Banking Corporation Limited. The Hongkong
and Shanghai Banking Corporation Limited has a
Representative Office in the UAE licenced by the Central
Bank of the United Arab Emirates.
Deposits/accounts held with HSBC India are not protected
deposit and are not protected by Deposit Protection
Scheme in Hong Kong.

23
 Deposits/accounts held with HSBC India do not
benefit from the protection of deposits as covered by
the Regulation Protecting Deposits and Unrestricted
Investment Accounts issued by the Central Bank of
Bahrain.
Deposits and accounts held with HSBC India are not
protected by the Australian Financial Claims Scheme.
Approved for issue in the UK by HSBC Bank plc. 8 Canada
Square, London E14 5HQ. Deposits/ investments made
with non-UK members of the group do not benefit from
the protection provided under the UK Financial Services
and Markets Act 2000, including the UK Financial Services
Compensation Scheme.
Contracts and forms signed in Canada are not valid until
accepted and approved by HSBC India outside of Canada.
Acceptance and approval will be communicated by post
and any oral agreements will be conclusively binding upon
written acceptance by HSBC India outside of Canada, a
confirmation of which will be sent by post.
To activate your Debit Card or for any queries regarding
your Debit Card, or for lost/stolen card reporting, you can
call the HSBC India PhoneBanking:

24
 HSBC PhoneBanking numbers

Resident Customers Within India From Overseas

1800 266 3456 +91-40-61268001
HSBC Premier (Toll Free)
1800 120 4722 +91-80 71898001

HSBC PhoneBanking numbers for NR customers

: 1800 102 2209
India
1800 121 2209
Bahrain : 80006764
Canada : 18333863370
Philippines : 180011102858
Hong Kong : 800938181
: 0078030165151 ( Nikas ) &
Indonesia
0018030165151 ( PTI )
Malaysia : 1800819823
New Zealand : 0800420572
Oman : 80077610
Qatar : 00800101031
Saudi Arabia : 8008501133
: 108007142932 ( China South ),
China
: 108001402946 ( China North )
Singapore : 8001014362
Thailand : 1800014029
UAE : 80001830251
UK : 08000489157
USA : 18339982278
Australia : 1800953852
Austria : 0800296718
Denmark : 80254085
France : 0800904636
Germany : 08000800116
Ireland : 1800948637
Italy : 0800582749
Netherlands : 08000238310
Switzerland : 0800894680

Non-resident or overseas Indian, please contact the below

for support:
Country/Region Phone Banking Number (Non-toll free)
+91-040-61268007
Calls to India from overseas
+91-080-71898007
+965 2223 0782 (Local Rates)
PREM SG 06/21

Kuwait
+965 2223 0727 (Local Rates)

Issued by The Hongkong and Shanghai Banking Corporation Limited, India.

Incorporated in Hong Kong SAR with limited liability.