Debit card
User Guide
The New Face of Cash
Purchases at retail establishments worldwide
Cash withdrawals at any VISA ATMs worldwide
Cash withdrawals at HSBC Group ATMs worldwide
E-mail:info@hsbc.co.in www.hsbc.co.in
DCSG 08/09
Issued by The Hongkong and Shanghai Banking Corporation Limited, India
Dear Customer
Thank you for selecting the Debit card from HSBC. You will be
pleased to know that you now have a Debit card that allows you
to shop and do much more than your ATM card, and brings you
convenience like never before.
The Debit card gives you electronic access to your Savings or
Current account with HSBC, wherever you need to use money.
As part of HSBC‘s constant endeavour to offer its customers
enhanced value, the Debit card from HSBC is internationally
valid and combines the bene’ts of domestic and overseas usage
in one plastic.
In India, your Debit card can be used just like your ATM card.
In addition you can use your Debit card at 350,000 merchant
outlets and 23,500 VISA ATMs.
Internationally, you can use your Debit card at 26 million
merchant outlets and more than 1 million VISA ATMs, whilst
continuing to have your Savings / Current account debited in
Rupees.
The Debit card thus offers you the best possible alternative
to carrying cash and allows you almost unlimited access to
your account, anywhere and anytime. To learn more about
the services you can enjoy and the usage of your Debit card,
please read this user guide and Debit card terms and conditions
thoroughly.
Once again, we look forward to being of service to you and trust
you will enjoy using your Debit card.
Yours sincerely
Gannesh Bharadhwaj
Head, Retail Banking Wealth Management
1
Table of Contents Your Debit card
Page No. Front
1. Debit card number: This is your exclusive 16-digit card
1. Your Debit card 1
number. Please quote this number in all communication /
correspondence with the Bank.
2. Important Information on Usage and Care of 3
the Debit card 2. Your name: Only you are authorised to use your Debit
card. Please check to see that your card has been correctly
3. Other Benefits of Owning a Debit card from HSBC 6 indent printed.
3. Valid From - Expires End (mm/yy): Your Debit card is
* Phonebanking/Customer Service valid until the last day of the month of the year indicated
on the Debit card.
* Global Customer Assistance
4. VISA Electron / VISA logo and hologram : Any merchant
esta blishment displaying this logo accepts your Debit
* Additional cards card worldwide.
5. Electronic usage sign: In case of purchase transactions,
* Account Statement
the Debit card can only be used at merchant outlets with
electronic point-of-sale swipe terminals. Please do not try
* Zero Lost Card Liability and use your Debit card at merchants with “paper imprinters”
or for Mail / Telephone / Internet order transactions.
4. Care of your Debit card 8
6. Primary Account Number: This is the primary Bank
account to which this Debit card is linked.
5. Guidelines for international usage 9
6. Tariff sheet 11 5
7. Debit card cardholder agreement 12
1
8. HSBC Addresses/Telephone numbers 22 4
2
6 3
2 3
Back
Important Information on Usage
and Care of the Debit card
7. Magnetic strip: Important information pertaining to your
Debit card is encoded here. Please protect your Debit card Activation
from scratching or exposure to magnets and magnetic
A Personal Identification Number will be issued to you sepa-
elds as they can damage the strip.
rately for using your Debit card at ATMs.
8. Signature Panel: Please sign this panel immediately on For your safety, your Debit card is sent
receipt of your Debit card with a non erasable ball point to you inactive for use at merchant
pen (preferably in black ink). The signature you will use locations. Please ensure that you have
to sign chargeslips at merchant outlets needs to be the received your PIN before trying to
same as this signature. activate your Debit card. To activate
your Debit card, you will need to do
either of the following:
7
a) Use the Debit card at an ATM, by entering the PIN.
8
b) Make a PIN verified call to HSBC Phonebanking/
Customer Service representatives in your city to
confirm receipt and they will activate the Debit card.
Usage Guidelines
Your Debit card from HSBC is extremely versatile and simple
to use, being valid both in India and overseas.
9. Personal Identification Number (PIN) : You will receive
a confidential PIN for use of your card at ATMs. It works in the same way as a Credit card for purchase transactions
at merchant outlets, with the only difference being that the
transaction amount is directly debited to your Bank account.
The Debit card doubles up as an ATM card, thus saving you the
need to carry a separate ATM card.
International Usage
Your Debit card is valid both in India and overseas. 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.
All of your Debit card transactions
(purchases as well as cash withdrawals)
overseas must be made in strict
accordance with the Exchange Control
Regulations of the Reserve Bank of
India prevailing from time to time.
4 5
In the event of your failure to do so, you will be liable for action ATM Usage
under the Foreign Exchange Management Act 1999.
You can use your Debit card as an ATM card at any HSBC
Detailed instructions as to the use of your Debit card overseas Group or VISA ATM, in India or overseas. The HSBC Group
can be found in the section “Guidelines for International has more than 170 ATMs in India, while VISA has 23,500
Usage” on Page 9. ATMs in India and more than 1 million worldwide. This
allows you 24 hour access to any of the accounts linked to
Merchant Outlet Transactions your Debit card.
Using your Debit card for shopping at any of the 350,000 VISA
Electron / VISA merchant outlets in India and 26 million At any HSBC ATM in India you can:
worldwide couldn’t be easier. Follow these simple steps to
Effect a cash withdrawal
ensure total shopping satisfaction.
Obtain a mini account statement for
Please note that since signature
your last 8 transations
verification is essential for Debit card
transactions, you need to be physically
Get your available account balance
present along with your card at the
time of purchase i.e. the Debit card can Request account statements
not be used for Mail Order, Telephone
Order or Internet Transactions. Transfer funds between accounts
1. Look for a VISA/VISA Electron sign at the point-of-sale Change PIN
merchant establishment. The merchant must have an
electronic point-of-sale card swiping terminal. Request a chequebook
2. Present your Debit card after making your purchase. Deposit cash/cheque
3. The Debit card will be swiped by the merchant for
Please note:
authorisation.
4. After a successful authorisation, a hold for the transacted At other bank VISA ATMs in India and HSBC ATMs overseas,
amount will first be placed on your account.Your account you can perform cash withdrawal and balance enquiry
will be subsequently debited for the transacted amount. transactions only.
5. A sales slip will be generated. Starting 1st April 2009, Cash withdrawals at HSBC ATMs
6. Check and sign the sales slip. Your signature must match and other bank VISA ATMs in India will be free of cost. All
International transactions will continue to be charged.
that on the reverse of the Debit card.
7. Ensure your Debit card is returned to you. As for your existing ATM cards, daily ATM cash withdrawal
limits will apply. As a Savings/Current accountholder you can
As a Savings/Current accountholder you will be able to pur-
withdraw up to Rs.25,000 per day (Rs.50,000 for PowerVantage/
chase items worth up to Rs.40,000 per day on your Debit card
NRE accountholders).
(Rs.50,000 for PowerVantage / NRE customers).
When using the Debit card at a merchant establishment, the
purchase amount will always be debited to the designated
Primary account of the Debit card.
6 7
Other Benefits of Owning a In case you are travelling in any other part of the world,
you may avail of these services by placing a collect call to
Debit card from HSBC
1410-581-79-31 or the VISA Global Assistance Centre in
Phonebanking/Customer Services
Singapore at 0065-6345-1345.
To activate your Debit card or for any queries regarding your
Debit card, please call HSBC Phonebanking/Customer Service Please note that the Services are charged as follows:
in your city at the following numbers:
Miscellaneous Customer Service enquiries: US$ 5 per call
Phonebanking/Customer Service Lost / Stolen Card reporting: US$ 35 per card.
Ahmedabad 98982 72424
Bangalore 2558 9595 Additional Cards
Chandigarh 501 6555 Additional cards will be issued to joint accountholders of the
Chennai 2526 9595 account, provided the operating instructions for the account are
Coimbatore 98943 72424 “anyone or survivor”. Annual fees would apply for each of the
Gurgaon 9511 - 2373 8989 additional cards applied for.
Hyderabad 2335 8686
Indore 98932 72424 Account Statement
Jaipur 220 8989
Transactions on your Debit card including those of additional
Kochi 98954 72424
cards will reflect along with relevant details on your regular
Kolkata 2243 8585
Bank account statement sent periodically. Additional Debit
Lucknow 99351 42424
cardholders will not receive a separate account statement.
Ludhiana 502 8989
Mumbai 4042 2424 In case you require the frequency of the statement to be
New Delhi 2373 8989 changed, please contact the Bank. Charges will apply. Please
NOIDA 9511 - 2373 8989 refer to the tariff sheet.
Pune 5602 8585
Zero Lost Card Liability
Trivandrum 98954 72424
Vadodara 98982 72424 If your Debit card from HSBC ever gets lost or stolen, you
Visakhapatnam 98490 12424 are protected against fraudulent purchase transactions from the
moment you report the loss to HSBC in India (Call any of our
Global Customer Services Customer Service representatives in India) or the VISA Global
Debit cardholders from HSBC can receive Assistance Helplines, if overseas. You must also confirm the
global assistance 24 hours a day, 7 days a loss in writing to HSBC as soon as possible.
week when they travel overseas from
VISA Global Customer Assistance You are also required to file a police report for the lost/stolen
Services. These services can be used for card and send HSBC a copy of the same to enable us to process
Lost/Stolen card reporting or miscella- the claim. Please confirm the loss in writing to The Manager
neous information that you may require -HSBC, Central Account Services, Ambal House, No. 610
overseas regarding medical, legal or other matters. Anna Salai, Chennai 600 006.
These services are available to you at the following toll free HSBC will arrange to replace your Debit card as soon as the
numbers: instructions are received in writing.
Australia: 1-800-450346. Hong Kong 800-900-782.
If you recover your Debit card after you have reported its loss,
Canada: 866-639-1911. United Kingdom: 0800-169-5189. please do not attempt to use it. Instead, please destroy the Debit
Singapore: 800-4481-250. United States: 866-765-9644. card by cutting it into several pieces through the magnetic strip.
8 9
Care of your Debit card HSBC aims to give you the highest level of service and
keep you informed of products and services that may
Following these simple guidelines will ensure that using your be of interest to you. If you require any assistance or
Debit card from HSBC is a pleasant experience. believe that you have not received complete service,
please call or write to your branch manager.
• Treat your Debit card in the same way you treat cash. Keep
it with you at all times and never leave it unattended. Guidelines for International Usage
• Your Debit card is for your exclusive 1. All expenses including cash withdrawals incurred overseas
use only. It should never be must be strictly in accordance with the Exchange Control
surrendered to anyone other than a Regulations of the Reserve Bank of India (RBI). Please
designated Bank Officer at the HSBC note that the aggregate expenses you incur overseas (i.e.
Branch and that too only after cutting through cash / travelller’s cheques / your Bank account /
it into several pieces through the Debit card / Credit card) should not exceed the limlit set
magnetic strip. by the RBI, as prevailing from time to time.
• Never reveal or surrender your personal identification Foreign Exchange Entitlement (as per RBI regulations
number (PIN) to anyone. Please destroy all evidence of existing on date of print)
the PIN number after memorising it and never keep a
written copy of it in close proximity to your Debit card. Basic Travel Quota (BTQ):
It also recommended that you change the PIN to a Resident Indians are allowed a BTQ entitlement not
number of your choice as soon as possible and at regular exceeding US$ 10,000 or its equivalent per person in
Intervals (at least once in three months thereafter). one calender year for one or more private visits to any
country (except Nepal and Bhutan).
• If your Debit card is lost/stolen, or if you suspect that
your Debit card has been used fraudulently, call the Business Travel and Entertainment Allowance:
HSBC Phonebanking/Customer Service representatives Exchange not exceeding US$ 25,000 per trip,
immediately to report the loss. irrespective of the period of stay, for business purposes
• In case you need your Debit card re-issued or terminated, or for participating in conferences or seminars.
pleae send in your request in writing to the HSBC branch 2. Please note that your account statement reflects both
where you have your account. Upon card expiry or domestic and international Debit card transactions.
closure of your account, please cut your Debit card in Each international transaction will show the amount in
several pieces through the magnetic strip. the transaction currency together with the corresponding
rupee equivalent amount.
• Always ensure that the Debit card is used in your
presence when transacting at merchant establishments. 3. To track your overseas spends in order to ensure that
Never sign an incomplete sales slip. they are within the permissible RBI limits, you will have
to convert the equivalent Rupee amount shown on your
• Do not attempt to use your Debit card at merchant statement for each overseas transaction to US$ using the
establishments that do not possess electronic point- day’s telegraphic transfer selling rate which can be
of-sale swipe terminals. obtained from your Authorised Dealer.
• Do not attempt to use your Debit card for making 4. All transactions (domestic and international) incurred by
purchases via telephone/mail, on the Internet or in any your additional Debit cardholders will also be reflected
other ‘card not present’ situation. on your account statement. Additional Debit cardholders
also must ensure that the expenses they incur overseas
• Please promptly notify HSBC, in writing, of any
are strictly in accordance with the Exchange Control
changes in your telephone numbers or mailing address.
Regulations of the RBI.
10 11
5. 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 Tariff Sheet
(Effective from 20 July 2009)
Travel Allowance permissible limits.
6. Any violation of the Exchange Control Regulations arising Deposit Accounts PowerVantage
out of utilisation of this Debit card is the responsibility of
the individual Debit cardholder (primary/additional) and Annual Fee (p.a.) Rs.150 Rs.150
he/she will be liable for action under the provisions of the Additional Card (p.a.) Rs.150 per card Rs.150 per card
Foreign Exchange Managment Act (FEMA) 1999 and any
HSBC ATM Cash FREE FREE
other regulations in force from time to time. Please also Withdrawal / Balance
note that the onus of ensuring compliance with the Enquiries (India)
regulations is with the holder of the internationally valid
Other bank VISA ATMs FREE FREE
Debit card. Cash Withdrawal /
Balance Enquiry (India)
ATM Cash Withdrawal Rs.120 Rs.120
(outside India) per transaction per transaction
ATM balance enquiry Rs.15 per enquiry Rs.15 per enquiry
(outside India)
Card Replacement Rs.150 + Courier Rs.150 + Courier
Fee (within India) charges charges
Card Replacement Rs.150 + international Rs.150 + international
Fee (outside India) Courier charges Courier charges
PIN replacement fee Rs. 50 per request Rs. 50 per request
Sales Slip Retrieval/ Rs.225 Rs.225
Charge Back
Processing Fee
Cross-Currency 3.5% 3.5%
Conversion mark-up
(International transactions)
ATM Cash Withdrawal Rs.25,000 Rs.50,000
Limit (per day)
Purchase Transaction Rs.40,000 Rs.50,000
Limit (per day)
Transfer Limits Rs.50,000 Rs.100,000
(to accounts linked to
or not linked to card)
Transaction declined Rs. 25 per transaction Rs. 25 per transaction
due to insufficient
funds at an ATM
Note:
• Use of debit card at petrol pumps would attract a surcharge of 2.5%
of the purchase value or Rs. 10/- (whichever is higher).
• Service tax and any other cess applicable as per the prevailing rates.
• Tariff structure subject to change from time to time at the sole
discretion of HSBC India. HSBC India shall provide-one month’s
notice prior to the revised charges being levied/becoming effective.
12 13
Debit card Terms and Conditions HSBC may deem fit to include.
8) “Transaction” means any permissible instruction given by a
The Terms and Conditions for use of the Debit Card Cardholder using the Debit Card directly or indirectly, to
issued on savings or current accounts held by individuals HSBC to effect permissible actions in relation to the
are as specified in this document and as amended by the Account (examples of Transactions would be cash
Bank from time to time. The Accountholder(s) shall be withdrawals, payments at points of sale, cash/cheque deposits etc.)
deemed to have unconditionally agreed to and accepted
9) “Merchant Establishments” shall mean establishments wher-
these Terms and Conditions by signing the Card
ever located which honour the Debit card and shall include
application form, or acknowledging receipt of the Card
amongst others: stores, shops, restaurants, airline
in writing, or by signing on the reverse of the Card, or by
organisations etc. advertised by HSBC or VISA International.
performing a transaction with the Card or after 10 days
have elapsed since the Card was dispatched to the address 10) “EDC” refers to electronic point-of-sale swipe terminals
on record. The Accountholder(s) will also continue to that permit the debiting of the demand deposit accounts for
remain bound by the Terms and Conditions of operation purchase transactions at merchant establishments.
of your Current/Savings accounts with HSBC.
11) “Primary Account” shall mean, in case of multiple Accounts
linked to the Debit card, the Account that has been
Definitions designated as being the main/first Account of operation i.e.
the Account from which purchase transactions, charges and
1) ‘HSBC’ means the branches in India of THE HONKONG fees related to the Debit card are debited.
AND SHANGHAI BANKING CORPORATION
LIMITED, a company incorporated under the Companies 12) “International Transactions” refers to all Transactions
Ordinance of the Hong Kong Special Administrative region effected by the Cardholder from HSBC outside of India,
(HKSAR), having its registered office at 1, Queen’s Road Nepal and Bhutan.
Central, Hong Kong Special Administrative region and its 13) “VISA” shall mean a mark owned by VISA International.
corporate office in India at 52/60 Mahatma Gandhi Road,
Mumabi 400 001. (“HSBC” or “the Bank” and includes its 14) “VISA ATM Network” shall mean ATMs that honour the
successors and assignees.) Debit Card and that display the VISA or Electron symbols.
2) “Debit card” means, as appropriate, the internationally Use of terms ”you”, ”your”, ”him” or similar pronouns shall,
valid Debit card issued by HSBC to a Cardholder. where the context so admit, mean the Accountholder or
3) “Cardholder” refers to a person to whom a Debit card has Cardholder, as applicable. All references in the masculine
been issued by HSBC on an Account held with HSBC. The gender will also include the feminine gender.
Cardholder should be either the sole Accountholder or in
case of joint accounts, the sole signatory or authorized to Issue of Debit Card
act alone.
1) The issue and use of the Debit card shall be subject to RBI
4) “Accountholder” refers to the individual(s) who hold(s) an regulations as also HSBC’s terms and conditions, in force
Account with HSBC, whether in the sole capacity or as a from time to time.
joint holder.
2) The Debit Card and the related PIN will be issued in the
5) “Account(s)” refers to the savings or current accounts held name of the Cardholder, who will be responsible to keep
by individuals and that have been designated by HSBC to the said Debit Card under his/her custody.
be eligible for the valid operation of the Debit card.
3) The Cardholder shall be responsible for all Transactions
6) “ATM” refers to automated teller machines. effected by the use of the Debit Card, whether or not the
7) “Statement” means a periodic statement of account/s sent Transactions were / are authorized by the Cardholder, and
by HSBC to an Accountholder setting out the transactions shall indemnify the Bank for the loss or damage caused by
(including Debit card transactions) carried out in the any unauthorized use of the Debit card or related PIN in-
Account during the given period and the balance in such cluding any penal action arising on account of violation of
Account. It may also include any other information that any RBI guidelines or the Foreign Exchange Management
14 15
Act, 1999 or any other law, rules and regulations for the 2) The Bank may, at its discretion, withdraw temporarily or
time being in force. In case of joint Accounts, all Account- terminate the ATM funds transfer facility and all funds
holders, jointly and severally, shall indemnify the Bank, as transfer facility for all types of Transactions. The bank also
above, against all actions, losses, claims and consequences reserves the right to change the maximum per day limit for
arising out of the usage of the Debit Card, the safety of the funds transfer through the ATM.
PIN and the Transaction/s effected using the Debit Card.
3) Cash and/or cheques deposited in any ATM by the use
In case of such joint Accounts, all Accountholders shall be
of the Debit Card will be only credited to the Account
deemed to be jointly and severally responsible and liable
after verification by the Bank, which shall be conclusive
for all duties, responsibilities and liabilities cast upon the
and binding for all purposes. The ATM Customer Advice
Cardholder.
issued by the ATM at the time of deposit only represents
4) The Account shall be debited with the amount of any what the Cardholder purports to have deposited and will
withdrawal, transfer and/or any other Transactions effected not be binding on the Bank. Cheques will be accepted
by use of the Debit Card. The Cardholder shall maintain for collection only and proceeds will not be available
sufficient funds in the Account to meet any Transactions. until these cheques are cleared. Similarly, for all cash
The Cardholder shall not be entitled to overdraw the withdrawals, at an HSBC ATM, any statements issued by
the ATM at the time of withdrawal shall be conclusive,
Account with the Bank or withdraw funds by use of the Card
unless verified otherwise by HSBC. Any such verification
in excess of the overdraft limit, if any, agreed with the Bank.
shall likewise be final and conclusive and this verified
Cardholder obligations and card validity amount will be binding on the Cardholder.
1) The Cardholder must sign the Debit Card immediately upon 4) The availability of ATM service in a country other than
receipt. The Cardholder must not permit any other person to that in which the Debit Card was issued is governed
by the local regulations in force in such other country.
use it and should safeguard the Debit Card from misuse by
HSBC shall not be liable if these services are withdrawn
retaining the Debit card under his/her personal control at all without notice thereof.
times.
Merchant Establishment usage
2) The Personal Identification Number (PIN) issued to the
Cardholder for use with the Debit Card or any numbers 1) The Debit card is for Electronic Use Only and will be
chosen by the Cardholder as a PIN, are for the use of accepted only at Merchant Establishments which have
the Cardholder and are non-transferable and strictly an electronic point-of-sale swipe terminal. Any usage of
confidential. A written record of the PIN number should not the card for purchases at Merchant Establishments other
be kept in any form, place or manner that may facilitate its than through an electronic point of sale swipe terminal
use by another party. The PIN should not be disclosed to will be deemed unauthorized and the Cardholder shall be
any third party under any circumstances or by any means responsible for such transactions.
whether voluntary or otherwise 2) As a security feature, the debit card issued will be
initially inactive for use at merchant establishments. In
3) The Debit Card is valid up to the last day of the month/year order to activate the Debit Card for Transactions at
indicated. The Cardholder undertakes to destroy the Debit merchant establishments, the Cardholder will be required
Card when it expires by cutting it into several pieces. The to either use the Debit Card at an ATM, by entering the PIN
renewed Debit Card shall be sent to the Cardholder before or call HSBC phone banking/customer service representatives
the expiry of the Debit card at the discretion of HSBC, upon in his city to confirm receipt and activate the card.
evaluation of the conduct of the Account. HSBC reserves 3) Whenever the Debit card is used to make payments at
the sole right of renewing the Debit Card on expiry. Merchant Establishments, the Cardholder must sign the
ATM usage sales slip and retain the cardholder copy. Copies of the sales
slip may be furnished by HSBC at an additional charge. A
1) The Debit Card is accepted at the HSBC Group ATMs and sales slip with the signature of the Cardholder together with
ATMs of other banks worldwide, which are members of the the Debit Card number noted thereon shall be conclusive
VISA ATM network. evidence between HSBC and the Cardholder as to the extent
16 17
of liability incurred by the Cardholder. HSBC shall not be available cumulatively or severally in the other Accounts
required to ensure that the Cardholder has received/availed linked to the Debit card.
the goods/ service to his/her satisfaction. Any sales slip International usage
not personally signed by the Cardholder but which can be
proven as being authorised by the Cardholder will also be 1) Use of the Debit Card must be in strict accordance with
deemed to be the Cardholder’s liability. the Foreign Exchange Management Act, 1999 and any
rules/regulations thereunder (hereinafter referred to as
4) The Debit card is accepted at all electronic Merchant
“FEMA”). In the event of any failure to comply with
Establishments in India and overseas which display the
the same, the Accountholder(s) will be liable jointly and
VISA Electron logo. HSBC does not accept any respon-
severally for action under the FEMA and may be debarred
sibility for any dealings the Merchant Establishment may
from holding the Debit Card issued by HSBC either at the
have with the Cardholder, including but not limited to the
instance of HSBC or the Reserve Bank of India (RBI). The
supply of goods and services. HSBC makes no represen-
Accountholder(s) shall jointly and severally indemnify and
tations about the quality of the goods and services offered
hold harmless HSBC from and against any/all consequences
by third parties providing benefits such as discounts to
arising from the Accountholder not complying with the
Cardholder. HSBC will not be responsible if the service
is in any way deficient or otherwise unsatisfactory. Should provisions of FEMA.
the Cardholder have any complaint relating to any Mer- 2) The Debit Card is not valid for foreign currency transactions
chant Establishment, the matter should be resolved with in Nepal and Bhutan (i.e. in any currency that is not the local
the Merchant Establishment and failure to do so will not currency or the Indian Rupee).
relieve the Cardholder from any obligations to HSBC.
3) HSBC shall be under no liability whatsoever in respect of
HSBC may however try and assist the Cardholder wherev-
any loss or damage arising directly or indirectly out of the
er possible. For this, the Cardholder should inform HSBC
decline of authorization for any Transaction, on Account of
of the complaint immediately along with any supporting
the the Cardholder having exceeded the foreign exchange
documents.
entitlements as prescribed by the RBI from time to time, on
5) The Cardholder will be liable for all costs associated with HSBC becoming aware of such excess.
the collection of dues, legal expenses (should it become 4) The Cardholder undertakes not to use the Debit card to
necessary to refer the matter to any agent), or where legal effect payment(s) for any illegal purchases i.e. purchases
resources have been utilised in resolution of a dispute. of items/services not permitted as per extant laws, rules
6) HSBC accepts no responsibility for refusal of any Mer- and regulations (including FEMA).
chant Establishment to honour the Debit card. 5) In case of Transactions effected in foreign currency using
7) HSBC accepts no responsibility for any surcharge levied the Debit Card, the Cardholder should promptly contact
by any Merchant Establishment and debited to the Ac- the Bank and complete all necessary documentation, as
count with the Transaction amount. required under FEMA. Necessary RBI approvals should
be sought through HSBC before usage of the Debit Card
8) A purchase and a subsequent credit for cancellation of in excess of the item-wise limits prescribed under FEMA.
goods/services like air/rail tickets are two separate Trans- HSBC reserves the right to report to RBI any contravention
actions. The refund will only be credited to the Account ( of these requirements.
less cancellation charges ) as and when it is received from
the Merchant Establishment. If the credit is not posted to Fees
the Account within 30 days from the day of refund, the 1) Annual fees for the Debit Card will be debited to the Primary
Cardholder should notify HSBC, along with a copy of the
Account on issuance/renewal as per the prevailing tariff.
credit note from the Merchant Establishment.
These fees are not refundable.
9) In case of Debit cards linked to multiple Accounts,
Transactions at Merchant Establishments will be effected 2) Transaction fees for cash withdrawals will be debited to the
by debit to the primary Account. In case this Account has Account at the time of posting the cash withdrawal. Other
insufficient funds to honour such Transactions, HSBC will Debit Card related Charges will be debited to the Account,
not honour the Transactions even if the necessary funds are from time to time, as per the prevailing tariff.
18 19
3) The current tariff is provided in the relevant Debit Card third party used by the Bank. The Bank undertakes that
User Guide and the Bank shall provide prior notice of at any such processing, sharing, storage or transmission of
least one (1) month before effecting any revision of the information will be done on a con dential basis and the
applicable tariff. Bank will endeavour to maintain the strict confidentiality
of such information within the HSBC Group unless (a)
4) All charges in foreign currency will be billed to the Account
otherwise required or permitted by any applicable law,
in Indian Rupees. The Cardholder hereby authorises HSBC
regulation or request of any public or regulatory authority;
and VISA to convert the charges incurred in the foreign
or (b) disclosure is required for the purposes of preventing
currency into the Indian Rupee equivalent thereof at such rate
fraud; or (c) the Bank deems disclosure necessary to provide
as HSBC may from time to time designate.
the Debit Card facility. The Accountholder(s) and the Bank
5) Any cancellation of the Debit Card facility within 1 year from shall comply with all applicable data protection laws. The
the date of availment will attract a charge, which may from Accountholder(s) confirm(s) that all persons whose personal
time to time be fixed by the Bank. or other data is transmitted, processed or otherwise handled,
Disclosure of information have consented to such transmission, processing or other
handling under these terms and conditions, in accordance
1) When requested by HSBC, the Cardholder shall provide with these laws, or will do so prior to any such transmission,
any information, records or certificates relating to processing or other handling. The Accounholder further
any matters that HSBC deems necessary for issuance agrees to indemnify and hold us harmless from all costs,
of the Debit Card, maintenance thereof, execution of penalties, damages and other losses incurred as the result of
Transactions using the Debit Card, renewal of the Debit any breach of this provision.
Card or any other purpose related to the Debit Card. The
Cardholder authorises HSBC to verify the information 5) From time to time, HSBC communicates various features /
furnished by whatever means or from whichever source products / promotional offers which offer significant
deemed necessary. If such information/data is not bene ts to its customers and may use the services of third
provided or if incorrect information/data is provided, party agencies to do so. The Cardholder may avail of the
HSBC may at its discretion refuse renewal of the Debit ‘Do Not Contact’ service to opt out of such communication.
Card or terminate the Debit Card forthwith.
6) HSBC reserves the right to report to the RBI, any foreign
2) HSBC reserves the right to disclose customer information currency withdrawals/payments effected using the Debit
to any court of competent jurisdiction, quasi judicial Card.
authorities, law enforcement agencies and any other
wing of Central Government or State Government. Lost or stolen card
3) HSBC reserves the right to disclose, in strict confidence, 1) The loss or theft of the Debit Card should be reported to
to other institutions, such information concerning the HSBC immediately. The loss or theft may be reported at the
Account as may be necessary or appropriate in connection VISA Global Assistance Services Helplines whilst outside
to its participation in any Electronic Fund Transfer network, India. Although loss or theft may be reported by any means,
or as the Bank may deem necessary for the performance of the Cardholder must confirm the same in writing to HSBC
any obligations arising out of or in connection with the use as soon as possible. A copy of the acknowledged police
or operation of the Debit Card. complaint regarding such loss/theft must accompany the
written confirmation.
4) HSBC may assign any activities to any third party at its sole
discretion and provide details of the Account to such third 2) If Transactions at Merchant Establishments are received
party agencies, for the purpose of back office processing by HSBC after the Debit card has been lost or stolen but
and other activities outsourced as per Reserve Bank of before receipt of written intimation thereof by HSBC, the
India guidelines. In this connection, the Accountholder(s) Cardholder shall be liable for all such amounts debited to the
understands that the Bank needs to and so authorises the Account.
Bank to, process, share, store or transmit information about 3) Liability of Transactions at Merchant Establishments,
the Accountholder, the Account and/or the Transaction(s), effected on a lost Debit Card after the loss is reported in
within the HSBC Group or with any institution or agent or writing in accordance with clause 1 of this section, will be
20 21
zero provided it can be proven that reasonable care and determined by the Accountholder(s), within two months of
diligence was undertaken in safekeeping the lost Debit Card, receipt of notice of disagreement. If after such effort, HSBC
the loss/theft promptly reported and that the Cardholder determines that the Transaction is a valid one, the same shall
acted in good faith (this feature hereinafter referred to as be communicated to the Accountholder(s).
‘Zero Lost Card Liability). However, no such Zero Lost Termination
Card Liability will be applicable on cash withdrawals done
through ATMs, as such transactions require the use of a 1. HSBC reserves the right to cancel/withdraw at any time
PIN, which is confidential to Cardholder. without any prior notice or to renew at its discretion, the
Debit Card or any of the other services offered at any time
4) The Cardholder hereby indemnify HSBC fully against any
without prior notice and without assigning any reason.
liability (civil or criminal), loss, cost, expenses or damages
that may arise due to loss or misuse of the Debit Card in the 2. In the event that the Accountholder decides to close the
event that it is lost and not reported to HSBC in accordance Account with HSBC, the Debit Card issued on such Account
with clause 1 of this section, or lost and misused before would automatically stand cancelled. The Cardholder must
HSBC is informed in accordance with clause 1 of this immediately cease to use the Debit Card and destroy and
section. return the Debit Card linked to such Account. In case of any
5) Provided the Cardholder complies in all respects with outstanding Transactions, that have not yet been debited to
the applicable terms and conditions, a replacement Debit the Account, the same will be netted off from the balance
Card may be issued at the sole discretion of HSBC at the prior to HSBC returning the funds to the Accountholder.
applicable fee. The Bank will debit the Account with any 3. In the event that the Cardholder decides to terminate the
cost incurred in issuing the replacement Debit Card. use of the Debit Card, the Cardholder shall give HSBC not
6) Should the Cardholder subsequently recover the Debit Card, less than 7 days’ prior notice in writing and forthwith return
it must not be used. The Debit Card should be destroyed by to HSBC, the Debit Card, cut into several pieces through
cutting it into several pieces through the magnetic strip. the magnetic strip, and obtain a valid receipt thereof. Such
termination shall be deemed a termination of the Debit Card
Statements and records
facility accorded by the Bank to the Cardholder.
1. The records of Debit Card Transactions will be available
4. The Debit Card shall be the property of the Bank and must
on the Statement sent by HSBC. Such Statements shall
be returned to the Bank immediately and unconditionally
be mailed to the Accountholder on a periodic basis to the
upon the Bank’s request. The Cardholder should ensure
mailing address on record as per the terms and conditions
that the identity of the Bank Of cer is established before
applicable to the Account. The Accountholder can also
handing over the Debit card.
get a verbal or written record of his/her Transactions at
any time by calling the HSBC Phonebanking/Customer 5. HSBC shall be entitled to terminate the Debit Card facility
Service centres or utilising the mini-statement facility at with immediate effect and the Debit Card shall be returned
HSBC ATMs. upon the occurrence of any of the following events:
2. HSBC’s record of Transactions processed by the use of the i) Failure to comply with the terms and conditions herein
Debit card shall be conclusive and binding for all purposes. set forth.
3. The Accountholder will inform HSBC in writing within ii) An event of default under any agreement or commitment
fifteen (15) days from the Statement date of any irregularities (contingent or otherwise) entered into with HSBC.
or discrepancies that exist in the Transaction details on the iii) The Accountholder(s) becoming the subject of any
Statement sent by HSBC. If no such notice is received bankruptcy, insolvency proceedings or proceedings of a
during this time, HSBC will assume the correctness of both similar nature.
the Transactions and the Statement. iv) Demise of the Cardholder.
4. HSBC shall make bonafide and reasonable efforts to v) Closure of the Account or failure to maintain the
resolve an aggrieved Accountholder’s disagreement with minimum average balance in the Account.
a Transaction indicated in the Statement or as otherwise
22 23
General 8. In addition to these terms and conditions, the usage of the
Debit Card shall also be subject to Visa guidelines
1. The Accountholder(s) will promptly notify HSBC in
writing of any change in address and telephone numbers. The issue and use of the Debit Card shall be subject
2. The Bank reserves the right to add, to delete and/or vary to extant laws, rules and regulations, Visa guidelines
any of these Terms and Conditions and such changed Terms and HSBC’s terms and conditions, as may be in force
and Conditions will be displayed on the HSBC website and from time to time. All authorisations and powers
a copy of the same available on request. Use of the Debit conferred on the Bank are irrevocable. These terms
Card after the date upon which any change to these Terms and conditions will be construed in accordance with
and Conditions is to have effect (as specified in the Bank’s and governed by the laws of India. All disputes are
notice), will constitute acceptance without reservation by subject to the exclusive jurisdiction of the Courts of
the Cardholder of such change. If the Cardholder does not Mumbai, irrespective of whether any other Court may
accept any such change, the Debit Card must be returned to have concurrent jurisdiction in the matter.
the Bank prior to the date upon which such change comes
into effect.
3. Any notice hereunder sent by post will be deemed to have
been received by the Cardholder within 7 days from the
posting of the notification to the address last given to HSBC
in writing. Publication of changes by such means as HSBC
may consider appropriate will constitute effective notice to
the Cardholder thereof.
4. If a Cardholder, by using the Debit Card, draws an amount in
excess of the balance available or overdraft limit permitted by
HSBC, the Cardholder will pay HSBC promptly and
unconditionally, the entire amount overdrawn with
interest and penalties, if any, at a rate to be decided
by HSBC. However this should not be construed as an
agreement, either expressed or implied that HSBC is
bound to grant any overdraft facility whatsoever.
5. The Bank will not be liable for any failure to provide any
service or to perform any obligation thereunder where such
failure is attributable (whether directly or indirectly) to any
malfunction of the ATM or the Debit Card, temporary
insufficiency of funds, any dispute or other circumstances
beyond its control.
6. Where the Bank knows of or suspects a breach of security or
other suspicious circumstances in respect of or in connection
with the operation of one or more of the Accounts or in
connection with the use of Debit Card, the Bank may, in
its absolute discretion and without any liability, decline
authorization for any Transaction and in that event, the Bank
will, to the extent possible, inform the Cardholder as soon as
practicable.
7. HSBC shall not be liable for any loss or damage, including
any consequential or indirect loss or damage, arising from
or related to the issue/use/loss of the Debit Card and related
PIN, howsoever caused.
24 25
Addresses/Telephone numbers Chembur:
Borivili (West), Mumbai 400 092, India.
Merchantile Apartments,Dr C P Gidwani Road, Chembur,
Mumbai 400 074, India.
HSBC Branches & Phonebanking numbers Juhu: Saroj, B7 Kapole Complex, V L Mehta Road, Juhu,
Mumbai 400 049, India.
Ahmedabad 98982 72424 Peddar Road:Asha Mahal, 46-B, Dr G Deshmukh Road, Peddar Road,
Mumbai 400 026, India.
Main Office : Mardia Plaza, C G Road, Ahmedabad 380 006, India. Powai: Prudential Hiranandani Business Park, Powai,
Bangalore 2558 9595 Mumbai 400 076, India.
Main Office: 7, M G Road, HSBC Centre, Bangalore 560 001, India. Mysore 99809 22424
Jayanagar: Suraj Ganga Arcade, # 332/7, 14th Cross, 2nd Block, Jayanagar, Main Office : Kataruka Niwas, South Gandhi Maidan, Patna, India.
Bangalore 560011, India.
Nagpur 99600 42424
Chandigarh 98769 22424
Main Office : Pradeep Chambers, 813/A, Shop no.3, Bhandarkar Road,
Main Office : SCO 1, Sector 9-D, Chandigarh 160 017, India. Shivaji Nagar, Pune - 411004, India.
Chennai 2526 9595 New Delhi 2373 8989
Main Office: 96, Dr. Radhakrishnan Salai, Mylapore, Chennai 600 004, India. Main Office : 25, Birla Towers, Barakhamba Road, New Delhi 110001, India.
Adyar : No.43, Rajalakshmi Palace, 1st Main Road, Gandhinagar, South Extension: F-43, South Extension Part -1, New Delhi 110 049, India.
Chennai - 600 020, India. Greater Kailash: R-47 Greater Kailash I, New Delhi 110048, India.
Coimbatore 98943 72424 Basant Lok: 12, Basant Lok, New Delhi 110 057, India
Punjabi Bagh: No.34, Central Market, Sector-II, West Avenue Road,
Main Office: SCO 1, Sector 9-D, Chandigarh 160 017, India. Punjabi Bagh (West), New Delhi 110 026, India.
Gurgaon 99107 92424 Noida 99107 92424
Main Office: JMD Regent Square, DLF Phase II, Mehrauli - Gurgaon Road, Main Office : Plot No.K-14-18, Sector 18, Noida 201 301, India.
Gurgaon 122 001, India.
Patna 99313 62424
Hyderabad 2335 8686
Main Office : Kataruka Niwas, Municipal Survey No. 877, South Gandhi Maidan,
Main Office: Uma Plaza, Road No. 1, Banjara Hills (Nagarjuna Hills), Patna 800 001, India.
Hyderabad 500 082, India.
Pune 6602 8585
Indore 98932 72424
Main Office : Amar Avinash Corporate City, Bund Garden Road, Pune 411 001, India.
Main Office: Darshan Mall, 15/2 Race Course Road, Indore 452 001, India. Shivaji Nagar: Pradeep Chambers, 813/A, Shop no.3, Bhandarkar Road,
Jaipur 99280 32424 Shivaji Nagar, Pune - 411004. India.
Main Office: Vasanti 61-A, Sardar Patel Marg, C-Scheme, Jaipur 302 001, India. Raipur 98932 72424
Jodhpur 99280 32424 Main Office : DM Plaza, 8/127 Moulana Abdul Rauf, Fire Brigade Chowk,
Chhotapara, Raipur 492001, India.
Main Office: Plot no C-43 A(2), PWD Colony,Jodhpur - 342001, India.
Thiruvananthapuram 98954 72424
Kochi 98954 72424
Main Office : Diamond Hill, Vellayambalam, Thiruvananthapuram 695 010, India.
Main Office: 39/6765, Harbour View Residency, MG Road, Kochi 682 015, India.
Vadodara 98982 72424
Kolkata 2243 8585
Main Office : Sheel, 1-2 Kalpana Society, INOX Multiplex Road, Race Course Road,
Main Office: 31, BBD Bagh, Dalhousie Square, Kolkata 700 001, India. Vadodara - 390 007, India.
Ballygunge: 15, Gariahat Road, Ballygunge, Kolkata 700 019, India.
Gariahat: 2/1 Ekdalia Road, Kolkata 700 019, India Visakhapatnam 98490 12424
Howrah: 21, Grand Trunk Road, Howrah 711 101, India. Main Office : Vinayagar Paradise, Door No.10-1-38B, Waltair Uplands,
New Alipore: 375, Block G, New Alipore, Kolkata 700 053, India T B Road, Vishakapatnam- 530003, India.
Shakespeare Sarani:Jasmine Tower, 31 Shakespeare Sarani, Kolkata 700017, India.
Ultadanga: P 158, Nazrul Islam Avenue, Kolkata 700 054, India.
Lucknow 99351 42424
Main Office: 1, Shahnajaf Road, Opp. Saharaganj Mall, Lucknow - 226 001.
Ludhiana 98769 22424
Main Office: Ground Floor, Ludhiana Stock Exchange Building, Feroze Gandhi
Market, Ludhiana 141 001, India.
Mumbai 4042 2424
Main Office: 52/60, Mahatma Gandhi Road, Mumbai 400 001, India.
Andheri (E): Kamla Bhawan, Swami Nityanand Marg, Andheri (East),
Mumbai 400 069, India.
Andheri (W):E-2-3-4, Manish Gardens, J P Road, Andheri (W),
Mumbai 400 058, India.
Bandra (W): HSBC Centre, Dr Ambedkar Road, Bandra (W),
Mumbai 400 050, India.
Borivili (W): Siddharth Arcade, Lokmanya Tilak Road, Factory Lane Junction,