HSBC

This e-mail has been sent by HSBC India Branch, 52/60, Mahatma Gandhi Road, Fort, Mumbai - 400 001. Customer service hotline numbers

Dear Customer,

We appreciate having you as a valued HSBC Credit Cardholder. At HSBC, we're always looking for ways to allow you to manage your finances and credit card payments as conveniently as possible. Here's a quick list of the various payment options you have, to pay your monthly credit card dues:

•	Standing Instruction

	If you have an account with HSBC, you can issue a written Standing Instruction (SI) to have a predetermined percentage of your monthly credit card outstanding to be automatically debited from your HSBC account on the due date. The account designated for this must be either your individual account or a joint account with 'any' or 'either' signing mandate. In case of insufficient funds in your account when the payment is due, if the instruction is declined, a Standing Instruction Failure Fee will be levied to your account and reflect in your next statement.

•	National Automated Clearing House (NACH)

	Authorize us to directly debit your payment from any bank account you hold, four days before the due date. This option is available in Mumbai and New Delhi only.

•	Internet Banking/Mobile Banking app

	Log into HSBC Personal Internet Banking/HSBC India mobile banking app to pay your credit card outstanding with ease from your HSBC Bank account. Payments made through Internet Banking/Mobile Banking app will be credited to the card account on the next working day.

•	Electronic Fund Transfer

	Use National Electronic Fund Transfer (NEFT) to pay your credit card bill by mentioning your full credit card number. Remember, the IFSC code for NEFT payments is HSBC0400002

•	Mail Cheque/Draft

	Send a cheque/draft, to your nearest HSBC branch. Collection charges will be levied basis the applicable tariff for your city. Please ensure the cheque reaches us at least three working days before your due date to avoid any late payment fees.

•	PhoneBanking

	Pay your bill through HSBC PhoneBanking, a convenient option if you hold a savings/current account with HSBC. Payments made through PhoneBanking will be credited to the card account on the next working day.

•	ATMs

	Deposit cash or a cheque into your HSBC Credit Card account, any time at an HSBC ATM in India. If you are an HSBC accountholder with ATM access to your bank account, you can transfer funds from your savings or current account to your HSBC Credit Card account. The payment will reflect in the HSBC Credit Card account at the end of the processing day/working day.

•	Over the counter

	Visit any HSBC branch in India to make payment by cash or cheque, just remember to mention your Credit Card number. Please note that a charge (as applicable) will be levied for HSBC Credit Card bill payment made in cash at HSBC branches.

All other terms and conditions on your credit card remain the same.

Need any further information on payment options or other details on your HSBC Credit Card, please visit hsbc.co.in

We look forward to a long and rewarding banking relationship with you.

Yours sincerely,

Credit Cards Division
HSBC India

Issued by The Hongkong and Shanghai Banking Corporation Limited, India. Incorporated in Hong Kong SAR with limited liability.

Non-Resident Indian (NRI) account and/or deposits are under the Reserve Bank of India programme for Non-Resident Indians and are governed by the rules in effect from time to time relating to such programmes, are subject to the sovereign risk arising from and governed by the laws of, or any changes to the laws of India.

NRI deposits/accounts are held with The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India) and are not insured by any insurance company or corporation outside India and are payable only at the branch of the Bank in India where the deposit is made.

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.

NR deposits with the Bank in India are not insured by Federal Deposit Insurance Corporation (FDIC) of the USA, nor by any other insurance company or corporation outside India and are payable only at the branch in India where the deposit is made.

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.

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.

For Residents within Kingdom of Bahrain, we remind you that deposits made with HSBC India do not benefit from the protection provided under the Deposit Protection Scheme established by the Central Bank of Bahrain regulation concerning the establishment of a Deposit Protection Scheme and a Deposit Protection Board.

NRI services are provided by HSBC India. HSBC India is the branch of The Hongkong and Shanghai Banking Corporation Limited and HSBC India is not regulated in Canada. NR deposits with the Bank in India are not insured by Canadian Deposit Insurance Corporation (CDIC), nor by any other insurance company or corporation outside India and are payable only at the branch of the Bank in India where the deposit is made. You should consult your tax advisor for the Canada treatment of income from these deposits.

Deposits and accounts held with HSBC India are not protected by the Australian Financial Claims Scheme.

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