HSBC Westside Classic Credit Card Review

HSBC Westside Classic Credit Card is a co branded card designed for people who shop regularly at Westside stores. The card is like any other co branded card offering major discounts on purchase at Westside. Apart from discount benefits users are also entitled to features like Exclusive Sale Previews at Westside, Exclusive Billing Counter at Westside, etc.

The card offers welcome gimmick in the form of gift voucher. Surprisingly the voucher is valid only if one makes a minimum purchase of Rs 750 or more at Westside stores. As for the card Reward Points program you earn four Reward Points on every Rs 100 spent at Westside stores. For expenses elsewhere you earn one point for every Rs 100 spent. This implies that the card can save you money only if purchases are made at Westside stores.

The card does not state any other rewards redemption offers except for Westside gift vouchers. This implies that Reward points cannot be redeemed at any other outlet or for any other purpose like dining benefits, travel benefits, etc.

The card when compared to other co branded cards belonging to the same category like SBI Vishal Mega Mart Card and Citibank First Citizen Credit Card is at par.

HSBC Westside Classic Credit Card has no Joining fee but an Annual fee of Rs 700. This when compared to cards like SBI Vishal Mega Mart Card and Citibank First Citizen Credit Card is competitive. However, the interest rate offering on the card is 3.5% p.m. which is higher in comparison to the other two cards.