Credit cards

services guide

E-mail at info@hsbc.co.in www.hsbc.co.in

VerDate: 04/02

Issued by The Hongkong and Shanghai Banking Corporation Limited, India

Dear cardholder Thank you for selecting the International credit card issued by The Hongkong and Shanghai Banking Corporation Limited, India. You will be pleased to know that you now belong to the large and growing worldwide family of discerning cardholders who have found our credit cards a perfect complement to their lifestyle. As part of our constant endeavour to offer our cardholders enhanced value, our credit card combines the benefits of domestic and overseas usage in one single plastic. This means that all your spending on the card is billed to you in Indian Rupees, irrespective of the place and currency of transaction. Special add-on features, such as a Bonus Rewards Programme, global ATM service, travel benefits at special rates, enhanced insurance benefits and a global calling card make our credit card more powerful and provide greater value. To learn more about the privileges and services you can enjoy with your credit card and get the maximum benefit from your membership, we suggest that you read this guide carefully and keep it handy for reference. Should you need any additional assistance, our customer service officers are at your service. Please do not hesitate to call them at our office nearest to you. Once again, we welcome you to the HSBC family and look forward to being of service to you. Yours faithfully

R Asthana Manager Card Products Division

Table of contents
Page No. 1. 2. 3. 4. Important information on usage and care Your credit card How to use your credit card Cardholder privileges Worldwide acceptance Free credit period Extended credit facility Global ATM service Bonus Rewards Programme Insurance privileges Travel privileges GlobalOne calling card Additional cards Car rental services Draft-on-call Exclusive privileges for Gold card cardholders 5. 6. 7. 8. 9. Monthly statement
Settlement of outstandings of overseas transactions

Important information on usage and care

1. 1 3 4 5 5 5 5 5 7 7 11 12 13 13 13 14 16 20 22 24 32 35 35 38 39 41 42 43 45 9. 8. 7. 6. 5. 4. 3. 2. Please sign the signature panel on the reverse of your new card as soon as it arrives, using a non-erasable ballpoint pen (preferably in black ink). The 16-digit card number on your card is exclusive to you. Please include this number in all your correspondence with us. Your credit card is valid for use both in India and overseas. It is not, however, valid for making foreign currency transactions in Nepal and Bhutan (i.e. transactions in currencies other than local currency of Nepal/Bhutan or in Indian Rupees). Your card transactions outside India must be made strictly in accordance with the Exchange Control Regulations of the Reserve Bank of India. In the event of any failure to do so, you will be liable for action under the Foreign Exchange Management Act, 1999. Always keep your card safely with you and treat it as you would treat cash. Never leave your card unattended. Protect your card from exposure to magnets and magnetic fields, e.g. handbag clasps, televisions and speakers as they damage the magnetic strip. Also prevent the magnetic strip from being scratched. While using your card at a merchant establishment, ensure that the card is used in your presence. Never sign an incomplete sales slip. Make sure it is always totalled to avoid possible alterations. Always make sure that the card returned to you at the merchant establishment is yours. Your card is for your use only. Please do not surrender your card to anyone other than designated officers at an HSBC branch or our Card Products Division offices. Do not reveal your personal identification number (PIN) or leave your PIN number accessible to

Payment options Cardholder agreement Tariff sheet

10. Addresses/Telephone numbers HSBC branches/ATMs in India Card Products Division offices Cox and Kings Travel and Finance Ltd. offices Autoriders Rent-a-Car offices DBS Business Centre lounges 11. GlobalOne calling card application form 12. Electronic clearing service application form

anybody, not even to HSBC staff. Kindly destroy the number after memorising it. It is recommended that you change your PIN to a number of your choice as soon as possible. 10. If your card is lost or stolen, or if you suspect that your card has been used fraudulently, call the nearest Card Products Division office immediately. Keep a record of the telephone number and the address of the Card Products Division office in a safe and accessible place, ready for emergency use. At times, the Merchant may be required to refer the transaction. This does not mean that it has been declined by HSBC but requires the Merchant to contact their Bankers for an approval. Personal details, intended to minimise risk to you and HSBC, in the event that your card is lost or stolen or if there is any unusual activity on your account, may also be asked. Please contact us if your transaction is declined, without a valid reason being given by the Merchant. In case you need your card to be re-issued or terminated, please send your request in writing to the nearest Card Products Division office. Please also destroy your card when it expires or when your card account is closed by cutting it into several pieces through the magnetic strip.

Your credit card

Front 1. 2. Card number: This is your exclusive 16-digit card number. Your name: Please check to see that your name is correctly embossed. In case of incorrect embossing, call the nearest Card Products Division office. Valid Dates (for MasterCard card)/Valid fromExpires End (for VISA card): Your credit card is valid throughout the period (up to the last date of the month of the year) indicated on your card. The VISA/MasterCard hologram and logo: Any establishment displaying the Visa/MasterCard logo accepts your card worldwide.

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14. Please promptly notify the Bank, in writing, of any changes in your employment and/or residential address and telephone numbers. Our Card Products Division aims to give you the highest level of service and to keep you informed of products and services, which may be of interest to you. If you require any assistance or believe that you have not received complete service, please call or write to: The Manager Credit Cards C/o P.O. Bag No 29128 Mumbai - 400 025

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Signature panel: For your protection, please sign on this signature panel, immediately. Magnetic strip: Important information pertaining to your credit card is encoded on this strip.

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How to use your credit card

When using your credit card to pay for products or services, present your card against the bill. The establishment will prepare a sales slip, as shown below, or will have an electronically generated slip with your card details and the amount of the purchase. 1. Please verify the amount. There is usually a provision for tips/miscellaneous items. If required, fill this section and bring down the total. Sign in the space provided. In some establishments you may also be required to sign on the bill itself.

Cardholder privileges
Worldwide acceptance Your credit card is accepted at over 18 million establishments worldwide and over 100,000 establishments in India. So you no longer need to carry large amounts of cash while you shop, travel or entertain in India or overseas. Free credit period You can get up to 48 days free credit without any finance charge being levied to your card account. This is applicable provided your credit card outstanding, as shown on your statement, is settled in full on the due date. However, if only part payment is made, the interest free credit period will not be applicable and finance charges will accrue, based on daily balance on the outstanding from the date of the statement. (Please refer to page 34 for details). Extended credit facility You can buy now, pay a minimum of 5%, and settle the balance later (including spends incurred overseas) at a finance charge specified in the tariff sheet. This charge can be altered from time to time at the sole discretion of the Bank. The calculation of the finance charges is explained in detail in the tariff sheet. Global ATM service Cash advance You have access to cash, round the clock, at over 600,000 ATMs worldwide. These include VISA/MasterCard/ Cirrus* and the HSBC ATMs. In India, HSBC has over 150 ATMs. *Cardholders can access www.visa.com/pd/atm/main.html & www.mastercard.com/atm to get complete details on VISA and MasterCard/Cirrus ATM locations in India and other countries worldwide.

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You may be presented and asked to sign on the sales slip of any VISA/MasterCard member bank. While the formats may differ, the basic contents of these slips will remain the same. The establishments will return your copy of the bill and the sales slip for your record, along with your card. Before leaving the establishment, please ensure that you have your card.

At present, Classic card cardholders can withdraw cash from any of the ATMs up to Rs. 25,000 per day and Gold card cardholders up to Rs. 50,000 per day, within the overall limit specified in the tariff sheet. Using the cash advance facility will attract a cash advance fee and finance charges at the prevailing rate (refer the tariff sheet). Finance charges are applied from the date of the transaction until the entire outstanding amount is cleared in full. While withdrawing cash over the counter, you will be required to provide additional identification, such as your driving license or passport. At HSBC ATMs in India, you can obtain the following services in addition to cash withdrawals: Transfer of funds to Savings/Current accounts Credit card account balance inquiry Minimum payment due inquiry Payment due date inquiry Deposit cash or cheque for credit to your card account PIN change Request for latest credit card statement

To use the ATM facility, you will need to use your personal identification number (PIN) which will be mailed to you by the Bank within 2 weeks of card issuance. You can change this initial PIN by using the PIN change facility at any ATM. You should not choose an obvious PIN such as 123456 or 444444, or those numbers which can be easily guessed. If you forget or lose your PIN, please contact our Customer Service Officers. The PIN remains the same when your card is renewed or replaced.
* Please note that the facility of accessing your bank account is available if you specify your bank account with HSBC for the ATM access facility while applying for your credit card. All cash withdrawals overseas must be in accordance with the exchange regulations of RBI. A transaction fee is applicable as detailed in the tariff sheet.

Bonus Rewards Programme You get rewarded just for using your card. For every Rs. 100 you charge to the card, you receive 1 reward point which has a value of 1 rupee. These points can be accumulated and then redeemed against your card renewal fees, merchandise, merchant vouchers and card upgrade fee. You need to accumulate 250 points in order to start redeeming (Please refer to page 28 for details).
Please Note: The Bonus Rewards Programme will be valid for two years rolling basis from the date the cardholder joining the programme/ date of card validity. The accumulated bonus points have to be redeemed by the cardholder within three months at the end of the point accural period failing which the points earned will lapse. For redemption of your bonus points call our Customer Service Officer or visit www.hsbc.co.in for redemption options.

This means that you do not have to wait to receive your statement in the post to settle your credit card dues. Access your bank account with HSBC Your credit card also gives you the unique benefit of accessing your bank account with HSBC India, from any HSBC ATM in India or overseas*. HSBC accountholders can perform banking transactions like cash withdrawals, balance inquiry and transfer of funds. At HSBC ATMs in India, you can also request a statement or even a cheque book. You can also withdraw cash from your bank account with HSBC at any VISA / MasterCard Cirrus ATM worldwide.

Insurance privileges All benefits listed below are provided by The National Insurance Company Ltd. Please refer to page 10 for important details. 1. Lost baggage insurance: You are covered for loss of checked baggage in the event of theft or a total loss in excess of 48 hours of arrival at your destination during domestic and international flights for up to US$1,200 for Gold card cardholders and up to US$600 for Classic card cardholders (please refer to page 30 for details). 2. Accident insurance: Your credit card automatically entitles you to free insurance cover against loss of life, resulting from an accident.

Gold card cardholders are now covered for up to Rs. 2,000,000 and Classic card cardholders Rs. 1,000,000 in the event of loss of life in an air accident. For loss of life due to other accidents the cover is Rs. 200,000 for Gold card cardholders and Rs. 100,000 for Classic card cardholders. 3. Purchase protection: Your credit card offers you free purchase protection, under which, all items bought using the card are insured against damage or loss due to fire or theft up to a value of Rs. 50,000 (for Gold card cardholders) and Rs. 30,000 (for Classic card cardholders) for a 180-day period from the date of purchase. So remember to use your credit card for your purchases. 4. Credit shield: This insurance privilege provides a waiver of payment of outstandings on your credit card account up to Rs. 40,000 for Gold card cardholders and Rs. 20,000 for Classic card cardholders in the event of accidental death. 5. Zero lost card liability: Gold and Classic card cardholders have zero lost card liability after the loss has been reported to the Bank in writing or to the VISA/MasterCard Global Emergency Assistance Helplines. However, you will be liable for all charges incurred on your credit card before you report the loss of your card. Enhanced travel insurance benefits for Gold card cardholders A) Delay in checked baggage Gold card cardholders are covered for emergency purchase of replacement items for up to US$ 300 in the event that the checked baggage is delayed for more than 6 hours during domestic or international flight from the scheduled arrival time at the destination. B) Loss of passport/travel documents Provides reimbursement for upto US$ 500 for expenses incurred abroad in connection with obtaining alternate travel documents (i.e. passport/visa/airline tickets). C) Hijack protection In the event of your flight getting hijacked, you can claim US$ 250 per hour for every hour that the flight is hijacked (post 12 hours of hijacking up to a maximum of 36 hours)
Please note that the accident insurance, purchase protection and any of the travel insurance covers are not available to Additional cardholders.

Claim procedure: A) For lost baggage insurance: A notice of the loss should be provided along with the following documents: Property Irregularity Report (PIR) from concerned airline Certificate from the concerned airline clearly mentioning non-delivery of checked baggage and the amount of compensation paid List of articles in the unit of baggage lost Proof of ownership in case of item valued in excess of US$100 (Rupee equivalent) Baggage receipt Ticket/Boarding pass Letter of subrogation (please refer to page 30 for details.) For accident insurance:

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The accident insurance and credit shield insurance hold good only for accidental death. They are available to you regardless of any other existing insurance that you may have. Please ensure that your nominee is aware of the insurance cover and its claim procedure, which is as follows: 1. A notice of death should be provided within 30 days of the credit cardholders death. This notice should include a brief description of the accident. The claim must be filed within two months of the loss of life due to an accident and the following notarised documents should be submitted along with the claim form: 3. Death certificate Police report/panchnama FIR Post-mortem report Examining medical officers report

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In case any of the documents are in vernacular language, please have them translated into English and notarised. Any further documents required by the insurance company will also need to be submitted, when requested. For purchase protection:

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A notice of loss due to theft/fire should be provided to The National Insurance Co. Ltd. This notice should include a brief description of the incident. The claim must be filed along with the following documents:

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Police report/FIR Original purchase voucher/bill Card statement featuring the transaction/copy of the chargeslip In case of loss due to fire - Fire Brigade report Letter of Subrogation. D) Zero lost-card liability: In the event that you lose your credit card, please report the loss to the Bank or to the VISA/MasterCard Global Emergency Assistance Helplines immediately. You are also required to file a police report for the lost/stolen card and send us a copy of the acknowledged police report to enable us to process the insurance claim. To report a lost card, you may call any of our Customer Service Officers in India (after office hours, please call 022-491 0001 in Mumbai) or VISA/MasterCard Global Emergency Assistance Helplines. Please confirm the loss in writing to, The Manager Credit Cards, P.O. Bag No 29128, Mumbai - 400 025. The Bank will arrange to replace your card as soon as the instructions, in writing, of the loss are received, so that you do not lose the convenience of your card for long. If you recover your card after you have reported its loss, please do not attempt to use it. Instead, please destroy the card by cutting it into several pieces. Claim Procedure: For enhanced travel insurance benefit for Gold card cardholders A notice should be provided along with the following documents: A) Delay in checked baggage: Property Irregularity Report (PIR) from the concerned airline Ticket/Boardingpass Letter/Certification from the concerned airline with the date and time of delivery. B) Loss ofpassport/travel document: Police report/FIR Letter to the appropriate Authority/ Embassy reporting the loss Proof of expenditure. C) Hijack protection: Ticket/Boardingpass Certification/Report from the concerned airline giving details of the hijack. Please note: All insurance benefits listed above are provided directly to cardholders by The National Insurance Company Ltd., whose terms, conditions and decisions, for which the Bank is not liable, will apply.

Claims for settlement to be sent directly to The National Insurance Company Ltd. HSBC does not hold any warranty and/or make representation about quality, delivery of the cover, claims processing or settlement of the claim by The National Insurance Company Ltd. in any manner whatsoever. Your GPA number policy number for insurance claim is: personal accident: 260400/8200012/2001, special contingency (for all other claims) 260400/ 9500018/2001 The insurance benefits are available to you regardless of other existing insurance that you may avail of. You may be asked to submit additional documents, as per the requirements of the case. The Bank will not be liable for any delayed settlement of claims. The settlement amount will be paid by an account payee cheque in favour of the nominee after deduction of any amount outstanding that is due on the card account.

For any further queries or assistance related to the policy, exclusions and claim settlements, you can write to: The Senior Divisional Manager The National Insurance Company Ltd. Division X, Resham Bhavan 6F, 6th Floor, 78 Veer Nariman Road, Mumbai - 400 020. Or call: The National Insurance Company Ltd. at (022) 204 3055/8058/7193. Travel privileges Your credit card gives you the convenience of booking your airline tickets over the phone at a special rate and having them delivered to your doorstep through our special tele-ticketing facility, free of charge (within city limits). This service is provided to you by our travel associate, Cox and Kings Travel and Finance Limited. Through this tele-ticketing service, you will get a discount of 2.5% on basic domestic air fares and 4.5% on basic international air fares when you buy the tickets on your credit card and book it through Cox and Kings Travel and Finance Limited.

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When you call, please identify yourself with your card number, card expiry date and your date of birth. After confirming your identity, Cox and Kings Travel and Finance Limited will send across the tickets to the specified address. For tele-ticketing, please call 48 hours prior to travel. Delivery of tickets is free for cardholders living within city limits (please refer to page 39 for addresses and telephone numbers). You can also walk into any Cox and Kings Travel and Finance Limited office in the country for a wide range of travel assistance and advisory services, including hotel bookings, holiday and conference packages, etc. GlobalOne calling card As a credit cardholder, you are entitled to a free global calling card from GlobalOne. This card enables you to make long distance calls from a telephone booth or even a hotel room while travelling overseas. You will be billed through your credit card in Indian Rupees. This leads to a saving on foreign exchange. All calls charged on your GlobalOne card will be reflected as a consolidated amount in your monthly credit card account statement. To get your free GlobalOne calling card, simply complete and send in the enclosed acceptance form (please refer to page 43 for the form).

Additional cards You can apply for up to three additional cards for your spouse, your parents, brother/sister or your children above 18 years. Additional cardholders receive identical benefits as the primary cardholder except for the accident insurance, purchase protection and lost baggage insurance. Additional cardholders can also access their bank accounts with HSBC, India on their credit card. The additional cards held by your family members will share the credit limit on your primary credit card. Charges incurred on your additional cards will reflect in your credit card statement. Additional cardholders will not receive a separate monthly statement. The annual fee as detailed in the tariff sheet will be included in your statement of account. Car rental services You can get special car rental services from Autoriders Rent-a-Car and enjoy exclusive discounts at any of its branches. Discounts are applicable on basic rates, extra hours and extra kilometres. Gold card cardholders are entitled to a 20% discount and Classic card cardholders to a 15% discount (please refer to page 41 for telephone numbers). Draft-on-call You can now order drafts against your credit card account over the phone and have them delivered at your doorstep. Payable in the name provided by you, the draft can be used to take care of your normal bill payments, where you would ordinarily pay by cash/cheque/draft. For further details call the Customer Service Officers in your city.

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Exclusive privileges for Gold card cardholders DBS Business Centre lounges: Gold card cardholders have free access to the exclusive DBS Business Centre lounges in six cities of Mumbai, New Delhi, Calcutta, Chennai, Secunderabad and Bangalore. Business facilities are available at these lounges on a pay-for-service basis and can be charged to your credit card (Please refer to page 42 for addresses and telephone numbers). Emergency assistance services: Gold card cardholders receive global assistance, 24 hours a day, 7 days a week and can travel abroad with the same confidence and security with which they travel in India. Gold MasterCard card cardholders can use the MasterAssist Emergency Assistance Services provided by MasterCard International. These include medical, legal and travel services. MasterAssist is available by placing a collect call from wherever you are in the world to the MasterAssist Centre in the United States at 00-1-314-542-7111. If travelling in the USA, call toll free: 1-800-307-7309. Toll free numbers are also available for other countries on request. Gold VISA card cardholders can use the VISA Emergency Assistance Services for a wide range of legal, medical and other services. Cardholders can access VISA Emergency Assistance Services in the following countries Australia : 1-800-450346, Canada : 866-639-1911, Hongkong : 800-900-782, Singapore : 800-4481-250, United Kingdom : 0800-1695189, United States : 866-765-9644. In addition VISA Emergency Assistance Services are available by placing a collect call to centres worldwide on 1410-581-79-31 or to the centres in Singapore on 00-65-345-1345. Detailed listing of VISA Toll free numbers, for various countries are available on request.

VISA has set up a Helpdesk for providing VISA cardholders emergency assistance. You may call 9622 000 123 for getting the following information: 1) 2) 3) VISA ATM locations and branch locations where VISA cardholders can get cash advance. Contact numbers for reporting lost/stolen cards, in India and overseas. Contact numbers of VISA member banks that provide card replacement facility.

The Helpdesk facility is currently available in Bangalore, Baroda, Bhopal, Calcutta, Chandigarh, Chennai, Coimbatore, Ernakulam, Hyderabad, Indore, Mumbai, New Delhi and Pune. VISA Helpdesk will strictly provide only contact/access details for the above mentioned and is not in any way responsible for delivery of the same. Payment for MasterAssist and VISA Emergency Assistance Services All expenses for services rendered will have to be borne by the cardholder. All services provided are subject to the terms and conditions of the MasterAssist programme/VISA Emergency Assistance Services.

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Monthly statement
Your monthly credit card statement of account is a comprehensive record of all activities on your card for the statement period. If you find any discrepancy in the statement, please write to us immediately. For your convenience, a detailed explanation is given below.

address, please also note to advise us of any change in your telephone numbers. Card type: This refers to your card product type i.e. HSBC Classic VISA, HSBC Gold MasterCard, HSBC Corporate card etc. Statement period: This is the period for which transactions on your card are listed in this statement. Note that only transactions received by the Bank during this period are listed. You may have made transactions that are still in the course of processing. Credit limit: This is the maximum amount which can be outstanding against your credit card account at any given time. Your credit limit is specified in the mailer accompanying your card. Post date: This is the date that a new transaction gets posted to your account. Transaction date: This refers to the actual date when the purchase was made by you. Transaction details: This section lists all domestic and international purchases and cash advances during the month, with a brief description of where the transaction was incurred. The name of the merchant establishment where you used your card may differ from that shown on your statement. This happens when the merchants trading name differs from its registered company name. Your copy of the sales slip will assist with this reconciliation. All overseas transactions (i.e. made in currency other than Indian Rupees, or the local currency of Nepal and Bhutan) will also reflect the currency of transaction and the amount in foreign currency denomination. This section also acknowledges payments received and balance brought forward, fees charged and any adjustments. Amount: Lists the corresponding transaction amount in Indian Rupees against each purchase, cash advance or payment received. The letter CR against an amount indicates a credit to your account.

Main card number: This is your primary credit card account number. Please quote this 16-digit number with all card related queries. Name and address: This is your name and address as per our records. Please notify us of any change in your address immediately. Whenever you advise us of a change in

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Closing balance: The total accumulated debit to your account, or the total balance due as of the last day of the statement period. It includes amounts posted to your account during the statement period and any amounts brought forward from the previous month adjusted for payments received, if any. Amount overlimit: The portion of your closing balance which is in excess of your specified limit is payable immediately. Kindly ensure that your card account outstandings are within the credit limit assigned to you at all times. If your outstandings exceed your credit limit, an overlimit fee will be charged, once every billing cycle. The overlimit fee is detailed in the tariff sheet and reflects on the Transaction details section of your card statement as OLT. Past due/Overdue payment: Minimum payments due, that are outstanding from previous statements and the amount overlimit, if any, that has not been paid by the payment due date. This amount is payable immediately. Current minimum payment due: The minimum payment due for a month is normally 5% of the closing balance. However, if your statement shows an amount overlimit and/or an amount past due, then the total minimum payment due is 5% of the closing balance adjusted for the amount overlimit and the amount past due. You may, of course, choose to pay a higher amount. The outstanding balance carries forward and fresh transactions will be subject to finance charges at the prevailing rate. Payment due date: Normally, you need to pay the minimum payment due by the payment due date to avoid transactions getting declined and the levy of a late payment fee (refer tariff sheet for details).

However, if your statement shows an amount past due, you need to pay this amount along with the amount overlimit (if any) immediately, to avoid transactions getting declined and the levy of late payment fee. Messages: Useful and important information is provided to you each month through the statement message printed in the transaction area at the end of the statement. Bonus Rewards summary: This gives you the details of the reward points earned based on your spend. Opening balance reflects points carried forward from your last statement. Points earned reflects the points earned on the spends incurred in this statement cycle. When you redeem your points against the annual fee, it will be reflected in the points redeemed section. Closing balance reflects your total points accumulated less redeemed. Payment slips: Please make the cheque/draft payable to your HSBC A/c No. (write your 16-digit card number), while using the Skypak drop-box option or if being mailed to HSBC or if using an HSBC ATM or HSBC branch. The amount payable and the payment due date are indicated on this slip. While making a payment towards settlement of your credit card account dues, please enter your cheque details (name of drawee bank, branch address/city, cheque date and amount) in the assigned boxes. Please attach the tear-away payment slip from the statement to your payment cheque/draft.

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Settlement of outstandings of overseas transactions

1. All expenses incurred overseas must be strictly in accordance with the Exchange Control Regulations of the Reserve Bank of India (RBI). Please note that the aggregate expenses you incur overseas (i.e. through cash/travellers cheques/your bank accounts/credit card) should not exceed the limit set by RBI, as prevailing from time to time. Please refer to page 34 for the foreign exchange entitlement currently allowed by the RBI for personal and business travel overseas, i.e. the Basic Travel Quota (BTQ) and the Business Travel and Entertainment Allowance. 2. Cardholders holding an RFC or EEFC account may pay for the overseas transactions incurred on their card account by a debit to their EEFC or RFC account. They may enclose a draft in US dollars or Indian rupees as payment.

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All transactions (domestic and international) incurred by your additional cardholders will also be reflected on your card statement. Additional cardholders are also required to ensure that the expenses they incur overseas are strictly in accordance with the Exchange Control Regulations of the RBI. In case you utilise your card for both business and personal expenses, you need to track these expenses separately to ensure that you comply with both, the Business Travel Allowance and the Basic Travel Quota permissible limits. Foreign exchange transactions can be put through Internet provided the purpose is otherwise allowed under the Foreign Exchange Management Act (FEMA), 1999. Any payment you make towards your card dues will be applied towards repayment of the total outstandings, either domestic or international, of your card account and not against any single/specific amount charged to the account. Any violation of the Exchange Control Regulations arising out of utilisation of this card is the responsibility of the individual cardholder (primary/additional) and he/she would be liable for action under the provisions of the Foreign Exchange Management Act (FEMA), 1999 and any other regulations in force from time to time. Please note the onus of ensuring compliance with the regulations is with the holder of the International credit card.

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10. 3. 4. QA22 accountholders are not required to get their passports endorsed. Please note that the closing balance shown on your card statement reflects the total outstandings on your card account and includes both, domestic and international transactions. Each international transaction will show the amount in the transaction currency together with the corresponding rupee equivalent amount. To track your overseas spends in order to ensure that they are within the permissible RBI limits, you will have to convert the equivalent rupee amount shown on your statement for each overseas transaction, to US$ using the days telegraphic transfer selling rate which can be obtained from your authorised dealer.

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Payment options
You have a choice of six convenient modes of payment to settle your monthly dues: (1) Through ATMs: You can settle your credit card bills by depositing cash or a cheque into your credit card account using our ATMs in India, at any time of the day or night. If you are an accountholder with HSBC, you can also transfer funds (only if you have opted for the ATM access to your bank account on your credit card) from your Savings or Current account to your credit card account in settlement of your dues. Please follow these guidelines while using the ATM for settling your credit card bills: Please include the tear-away portion of your credit card statement of account in the deposit envelope along with your cash or cheque payment. Do not fold the envelope or the cheque or notes. Do not deposit coins, if depositing cash. Do not deposit more than 20 notes at a time. Do not use pins or clips. (2) Standing instruction: If you are an accountholder with HSBC, you can issue a written standing instruction to have a pre-determined percentage of your monthly outstanding automatically debited to your account with HSBC. The account you nominate must be either your sole account or a joint account with any or either signing mandate. (3) Over the counter: You can also make your payments by cash or cheque, quoting your 16-digit card number, at any HSBC branch in India and your cash or cheque will be deposited into your card account. (4) Mail cheque/draft: You can mail a cheque/draft, quoting your 16-digit card number, to the HSBC branch closest to you. Collection charges will not be levied for any HSBC cheques or other bank cheques which are both payable and deposited in Ahmedabad, Bangalore, Chandigarh, Chennai,

Coimbatore, Hyderabad, Kolkata, Mumbai, New Delhi, Pune, Trivandrum and Visakhapatnam, but will be levied (as per the tariff sheet) for cheques payable in other cities. In order to avoid being charged a late payment fee, please ensure that your cheque reaches us three working days prior to your payment due date as this will ensure that your cheque is cleared in good time. You are requested not to deposit any post-dated cheques while settling your credit card dues. Cardholders in Mumbai should send their payments to: The Hongkong and Shanghai Banking Corporation Limited, Clearing Department, M. G. Road, Fort, Mumbai - 400 001 (5) The Skypak Drop-Box payment option:

All you have to do is drop in your payment cheque, favouring HSBC A/c No. (quoting your 16-digit card number) at any of the Skypak Drop-Boxes in your city and the cheque will be sent to us by Skypak at no additional cost to you. This facility is currently available in the sixteen cities. (Call Skypak offices at Ahmedabad: 754 2153; Amritsar: 22 3198; Bangalore: 554 9175; Chandigarh: 70 2237; Chennai: 858 5435; Cochin: 37 2163; Hyderabad: 323 0915; Jalandhar: 22 7053; Kolkata: 237 9574; Ludhiana: 64 1689; Mumbai: 859 1520; New Delhi: 353 8459; Pune: 553 0167; Secunderabad: 323 0915; Trivandrum: 331 994; Visakhapatnam: 554 223 or our Customer Service Officers to find out the Skypak Drop-Box site address closest to you, or for a copy of the addresses guide.) Please remember to attach the tear-away portion of your credit card statement account when paying your dues. Please quote your 16-digit credit card number on the face of the cheque deposit slip. (6) Electronic clearing system:

You can make your payment directly by authorising us to debit an account that you hold with any bank. To use this facility, just fill in the acceptance form (please refer to page 45). In case you wish to withdraw from this mode of payment subsequently, you can do so by giving us one months notice. This facility is available only in Mumbai and New Delhi.

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Cardholder agreement
Important: Before you use your credit card, please read this cardholder agreement carefully. By using the card, you are accepting the terms and conditions set out below and will be bound by them.

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Definitions:
1) Applicant means: (i) any person who has signed the credit card application form which is accepted by The Hongkong and Shanghai Banking Corporation Limited; and (ii) any individual who has signed or used a card. HSBC means The Hongkong and Shanghai Banking Corporation Limited, its successors and assignees. Primary cardholder means an applicant in whose name HSBC has determined to open a primary card account. Card means, as appropriate, the credit card issued by HSBC to a cardholder. Card account means the account opened and maintained by HSBC for the purpose of use of the credit card as per the terms and conditions contained herein. Additional cardholder means an applicant who is an individual to whom a card bearing that individuals name is issued by HSBC although the liability is shared, jointly and severally, with the primary cardholder. Person means any individual, corporation, firm, company, institution, or other natural or legal person whatsoever. Statement means a monthly statement of account sent by HSBC to a cardholder setting out the financial liabilities on that date, of the primary cardholder and any additional cardholder to HSBC in respect of the card account. Transaction means any instruction given by an individual using a card directly or indirectly to HSBC to effect action on the card (examples of transaction instructions could be a sales slip, a cash advance slip or a mail order coupon). Merchant establishments shall mean establishments wherever located which honour the card and shall include amongst others stores, shops, restaurants, hotels, airline organisations and mail order advertisers, including mail order outlets (whether retailers, distributors or manufacturers), advertised by HSBC or VISA/MasterCard International.

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Use of terms you, your, him, or similar pronouns shall, where the context so admit, mean the cardholder. The credit card (the card) is issued by The Hongkong and Shanghai Banking Corporation Limited, with its registered office at, 52/60 Mahatma Gandhi Road, Mumbai 400 001, India (HSBC), on the following terms and conditions:

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Card usage:
1) 2) The card is valid worldwide. The card is the property of HSBC and must be returned to an officer of HSBC on request. Please ensure that the identity of the officer is established by you before handing over your credit card.

You must sign the card immediately upon receipt, must not permit any other person to use it and should safeguard the card from misuse by retaining it under your personal control at all times. You are requested to note that the card is valid up to the last day of the month/year indicated. You hereby undertake to destroy the card when it expires by cutting it into several pieces. Your renewed card shall be sent to you before the expiry of the card at the discretion of HSBC, upon evaluation of the conduct of your account. HSBC reserves the sole right of renewing your card account on expiry. You must sign a sales slip, cash advance slip, or mail order coupon whenever the card is used and should retain your copy. Copies of the sales or cash advance slip may be furnished by HSBC at an additional charge. Any sales, cash advance slip, or mail order coupon not personally signed by you but which can be proved as being authorised by you, will be your liability. You will be responsible for all facilities granted by HSBC in respect of the card and for all transactions and charges accrued on these facilities, notwithstanding the termination of this agreement. The credit card is acceptable at any VISA/MasterCard card merchant outlet worldwide depending on the brand of card used. Whilst HSBC will not accept responsibility for any dealings the merchant may have with you including but not limited to the supply of goods or services, we will try and assist you, wherever possible. For this you should notify HSBC of the complaint immediately along with supporting documents. Should you have any complaints concerning any VISA/MasterCard card merchant establishment, the matter should be resolved by you with the merchant establishment and failure to do so will not relieve you from any obligations to HSBC. HSBC accepts no responsibility for any surcharge levied by any merchant establishment and debited to your card account with the transaction amount. All charges for jewellery, electronic goods and cash will be approved selectively at HSBCs discretion in the first six months of card membership. HSBC shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of decline of a charge because of exceeding foreign exchange entitlements as prescribed by RBI guidelines issued from time to time, on HSBC becoming aware of the cardholder exceeding his entitlements. Utilisation of the card must be in strict accordance with the Exchange Control Regulations of the Reserve Bank of India (RBI). In the event of your failure to comply with the same, you are liable for action under the Foreign Exchange Management Act, 1999 and may be debarred from holding HSBCs card valid worldwide, either at the instance of HSBC or the RBI. You shall indemnify and hold harmless HSBC from and against any and all consequences arising from you/the additional cardholder not complying with the Exchange Control Regulations of the RBI. Non-resident Indians can hold an International credit card provided all dues arising out of its use in India/abroad are met out of an NRE account held with HSBC or by inward remittances. QA22 accountholders of other banks can hold an International credit card in accordance with the RBI guidelines. You undertake not to use the Card as payment for any illegal purchase. The card cannot be used for effecting remittances for the purposes for which the release of exchange is not permissible under the extant regulations like subscription to magazines which are on the prescribed/ banned lists and like football pools, sweepstakes or lotteries, etc.

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Billing
1) HSBC will maintain an account in respect of the card (the card account) to which the value of all purchases of goods or services, cash advances, fees, charges and payments effected by the use of the card (card transactions) will be posted. HSBC will assign a credit limit to the card account which should not be exceeded at any time. You may, however, apply for a review of the card credit limit at any time after the first six months of satisfactory card operation. Any increase in the credit limit will be at the sole discretion of HSBC. In the event of your exceeding the card credit limit at any time during a billing cycle, HSBC will be entitled to apply an overlimit fee, once every billing cycle, at the prevailing rate. When the card account has an outstanding balance, HSBC will send a monthly itemised statement of account. This statement will provide details on: a) The amount outstanding as at the statement billing date Closing Balance (note that the Current Outstanding Balance may be a lesser or greater balance depending on entries posted to the card account but not yet billed). b) The Minimum Payment Due (at rates applicable from time to time and as advised by HSBC in its tariff sheet). c) The Payment Due Date (the date by which payment must be received by HSBC). d) Any Amount Past Due (minimum payments due, that are outstanding from previous statements and the Amount Overlimit, if any). A purchase and a subsequent credit for cancellation of goods/ services like air/rail tickets are two separate transactions. You must pay for the purchase transaction as it appears on your statement to avoid the charging of any fee. The refund will only be credited to your card account (less cancellation charges) as and when received from the merchant. If the credit is not posted to your card account within 30 days from the date of refund, you must notify HSBC. It is also necessary that a copy of the credit note should be sent along with your notification to HSBC. All charges incurred in foreign currency will be billed in the cardholders billing statement in Indian Rupees. You hereby authorise HSBC and VISA/MasterCard to convert charges incurred in a foreign currency to the Indian Rupee equivalent thereof at such rate as HSBC and VISA/MasterCard may from time to time designate. For transactions incurred overseas on a MasterCard card, MasterCard settles the transaction with the Issuing Bank in USD irrespective of currency of spends. Cheques/Drafts forwarded to HSBC for clearance of dues must be drawn payable at any city where HSBC has a branch. Cheques/ Drafts drawn outside these areas are subject to a collection charge at the then prevailing rate. Payments will be credited to the card account on receipt, but should the payment instrument subsequently be dishonoured, the card account may be suspended, the card cancelled and the full outstanding balance will become immediately due and payable. HSBC will, at its sole discretion, take necessary measures to recover the money and this may include filing a criminal case under the Negotiable Instruments Act. If the payment of the whole of the statement closing balance is received by HSBC on or before the Payment Due Date, no finance charge will be payable. However, all Cash Advances will attract a finance charge at the prevailing rate from the date of withdrawal until the entire outstandings (including Cash Advance) are cleared in full and payment is posted to the card account.

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If you wish to have the extended credit facility and pay HSBC an amount less than the statement closing balance, the entire outstandings from the date of the statement will attract a finance charge. All new transactions will also attract a finance charge from the date of posting into the account at the prevailing rate once the account uses the extended credit facility. This charge will be debited on the last day of the billing cycle and will be applied on daily balances. If the minimum amount due is not paid by the payment due date, a late payment fee will be debited to the card account on the last day of the billing cycle. HSBC also reserves the right to levy penal finance charges at a rate higher than the normal rate, in case minimum dues are not paid before the payment due date. In case you wish to dispute any charge indicated in the Statement, please advise details to HSBC within 30 days of the statement date. After the lapse of 30 days, it will be construed that all charges are acceptable and in order. However, in exceptional circumstances HSBC may at its discretion accept any dispute on charges older than 30 days. Duplicate statements will only be provided for up to the last six months on your request and payment of the assessed fee as per the tariff sheet. HSBC, has the sole discretion to appoint agents for recovery of outstandings or initiate any other actions allowed by law for recovery of all monies owed to HSBC without any specific communication in this regard.

Fees:
1) The joining/annual fees will be debited to your card account on approval/renewal at HSBCs prevailing rate. These fees are not refundable. All cash advances attract a fee at the prevailing rate. The charge will be debited to the card account at the time of posting of the Cash Advance. Cash Advances will also be subject to a finance charge calculated on daily balances from the date of withdrawal. The finance charge will be debited to the card account on the last day of the billing cycle.

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Disclosure of information:
1) When requested by HSBC, you shall provide any information, records or certificates relating to any matters that HSBC deems necessary. You will also authorise HSBC to verify the information furnished by whatever means or from whichever source HSBC deems necessary. If the data is not provided or incorrect data is provided, HSBC, at its discretion, may refuse renewal of the card or cancel the card forthwith and demand payment of all outstandings on the card account. You expressly recognise and accept that HSBC shall be absolutely entitled and have full power and authority to sell, transfer or assign any or all outstandings and dues on your card account to any Third Party of HSBCs choice and written intimation by HSBC to you of any such action shall bind you to accept any such Third Party as the Creditor and to pay over such outstandings and dues to the Third Party relieving you of any such obligation to HSBC. Any costs in this regard shall be debited to your card account. If the minimum payment due payable does not get paid by you, your name may be liable for inclusion in the defaulter databases to be

Payment
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shared with other lenders and credit rating agencies. The right to do so lies with HSBC. HSBC reserves the right to disclose customer information to any court of competent jurisdiction, quasi judicial authorities, law enforcement agencies and any other wing of Central Government or State Government. The existence of this account and details of any default that may occur will be recorded with a credit reference agency and may be shared with other lenders and/or credit card issuing entities for the purposes of assessing further applications for credit by you and members of your household, and for occasional debt tracing and fraud prevention. In the event the card is lost or stolen, you must report the occurrence to any office of HSBC in India or any VISA/MasterCard Global Emergency Assistance Helplines. Although loss or theft may be reported by any means, you must confirm to HSBC in writing. A copy of the acknowledged police complaint must accompany the written confirmation. You will not be liable for any transaction made on the card only after receipt by HSBC of the written notice of the loss/theft and a copy of the police complaint issued by the police. Should transactions be received by HSBC after the card has been lost or stolen but before receipt of your written confirmation and police complaint, you are liable for all amounts debited to the card account. If you can prove that the card was safeguarded, the loss/ theft was promptly reported and that you acted in good faith, with reasonable care and diligence, then your lost card liability will be zero (once the loss is reported in writing). You hereby indemnify HSBC fully against any liability (civil or criminal), loss, cost, expenses or damages that may arise due to loss or misuse of the card, in the event that it is lost and not reported to HSBC or lost and misused before HSBC is informed. Provided you have in all respects complied with the terms and conditions, a replacement card may be issued at the sole discretion of HSBC at the applicable fee. Should you subsequently recover the card, the recovered card must not be used. Please destroy the card by cutting it into several pieces through the magnetic strip.

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Lost or stolen card:

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Additional cards:
You, jointly with the additional card applicant, may request HSBC to issue additional cards for operation on your card account. You acknowledge that the credit limit approved on your account is to cover all transactions whether initiated by yourself or the additional cardholder. Further, you acknowledge that and hold HSBC indemnified for liability for all transactions, fees, costs and any other charges outstanding in the card account at any time including transactions initiated by additional cardholders. You also acknowledge that you will undertake to validate transactions with the additional cardholders since no separate statement is being mailed to the additional cardholder.
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For selected products, cardholders are eligible for accelerator points. This entitles the cardholder to pay for the difference between the points required and the bonus points accumulated by him / her through accelerator points. These points will be charged on his / her credit card. Cardholders will not earn bonus points on this charge. The programme is effective from 15 June 2000 and will be valid for two years rolling basis from the date of the cardholder joining the programme. Cardholders are eligible for the programme only as long as their card account and all linked accounts are valid and in good standing i.e. there are no amounts overdue. Spends on the add-on cards will accrue points, these points can be redeemed only by the primary cardholder. Cardholder cannot transfer any bonus point to another person. The cardholder can, however, combine bonus point of his/her multiple cards at the time of redemption. Bonus points can be redeemed for card renewal fees, merchandise, merchant vouchers and card upgrade fees as detailed in the bonus programme catalogue. Cardholders have to reach a minimum of 250 bonus points, in order to be eligible to redeem their bonus points. Accumulated points below 250 will lapse automatically. The accumulated bonus points have to be redeemed by the cardholder within three months of the end of the point accrual period, failing which the points will be dropped off the card account. Redemption of HSBCs bonus points is not automatic. Cardholders will have to fill in the redemption form and mail it to Manager Credit Cards,c/o P.O. Bag No.29128, Mumbai 400 025. Any redemption request received by HSBC will be fulfilled in approximately six to eight weeks time from the date of receipt. HSBC reserves the right to modify wholly or partly the bonus programme. HSBC also reserves the right to change the conversion rate, withdraw bonus points awarded or to vary any of the terms and conditions herein including the discretion to withdraw, replace, and/ or revise the price of any gifts listed in the bonus programme catalogue at any time in its sole and absolute discretion and without prior notice to cardholders. In the event the HSBC credit card is voluntarily closed by a cardholder, the bonus point that are in the card account can be redeemed within a month of card closure. In case the cardholder fails to redeem these points within a month of closure, the bonus points will automatically lapse. Any terms & conditions stated herein does not amount to commitment or representation by HSBC to conduct, further, similar or other such programmes. Terms and conditions governing the bonus programme is detailed in the bonus programme catalogue, a copy of which will be sent to you. Usage of the programme will be deemed as automatic acceptance of the said terms and conditions.

ATM related:
Where an AnyTimeMoney or other facility has been incorporated in the card, so that it may be used to effect banking transactions (on any account other than the card account) at automated teller machines (ATMs), the use of such a facility will be subject to the relevant

Bonus Rewards Programme:

1. 2. You earn 1 point worth Re. 1 for every Rs. 100 you spend on the credit card. Bonus points will be offered only for purchases made on the card. Cash advances, any other fees/charges and disputed transactions will not accrue points.

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Bank ATMs terms and conditions in addition to the terms and conditions herein. Insurance: All insurance benefits listed are provided by The National Insurance Company Ltd. 1) You will be covered for personal insurance as per the rules of the group insurance policy taken by HSBC. You specially acknowledge that the insurance company will be solely liable whether for compensation, recovery of compensation, processing of claims or otherwise or in any manner whatsoever. 2) You acknowledge that the insurance benefit provided on the credit card will be available to you as per terms of the relevant insurance policy in force and only so long as you are and remain as a cardholder of HSBC, with your account being good and regular and in the event of the card facility being terminated for whatever reason, the benefit of such insurance cover shall automatically and ipso facto cease to be available from such date of cessation of membership. 3) HSBC may at any time (at its sole discretion and without giving notice thereof) suspend, amend or cancel the benefit of such insurance cover and there will be no binding obligation on HSBC to continue this benefit. 4) In case of an accidental death, the legal heirs assignee shall not be entitled to be paid any amount under the Group Insurance Policy by the Insurance Company unless and until all the dues to HSBC are settled. HSBC shall have first charge/lien on the insurance amount and shall be entitled to seek adjustment of the insurance amount due by the cardholder at the time the insurance claim is made. 5) You are covered for loss of checked baggage in the event of suffering theft of baggage or a total loss of baggage in excess of 48 hours of arrival at destination that has been checked by a domestic or by an international flight. You are not covered for valuables, (as defined as photographic audio, video, computer, telecommunications and electrical equipment, cell phones, telescopes, binoculars, spectacles, sunglasses, contact lenses, antiques, watches, jewellery, furs, articles out of precious stones and metals, cash and travellers cheques), loss arising out of confiscation or detention by customs or other officials, loss of property whilst in the custody of an airline unless immediately upon discovery of the loss you notify the airline and a Property Irregularity Report is obtained, loss of pedal cycles and hired equipment and items valued in excess of US$100 without proof of ownership. Any recovery from an airline under the terms of the Warsaw Convention shall become the property of the insurers. 6) Enhanced Travel Insurance-benefit for Gold card cardholders: Delay in checked baggage: The delay in checked in baggage policy will pay up to the limit of cover for the necessary delay for more than 6 hours for a Domestic/International flight from the scheduled arrival time at the destination, for delivery of baggage that has been checked by a Domestic or International airline for a Domestic or International flight. This delay in checked in baggage policy will not cover any claims where non-delivery certificate has not been obtained immediately from the airline. Submission of such proof of delay is mandatory in the event of the claim. Any payment made under this claim shall be offset against any claim ultimately payable under the loss of baggage insurance. Lost of passport/travel documents: The loss of passport/travel document will pay for re-imbursement of travel and accomodation expenses up to the limit of the cover, which are necessarily and reasonably incurred abroad by the cardholder in connection with obtaining an alternative travel document (such as passport, visa, airline ticket) in the event the cardholder loses his/her passport/travel documents specified. The following claims under the policy will not be paid for Loss or damage due to delay or from confiscation or detention by customs, police or other authority Theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained Loss or theft of passport or other travel documents left unattended by the cardholder unless located in a locked hotel room or apartment and an appropriate sized safety deposit box was not available for use by the cardholder. Hijack Insurance: In the unlikely event of the flight being hijacked and the cardholder detained in excess of 12 hours up to a maximum of 7)

36 hours, the cardholder is entitled to the hijack cover. The policy however will not cover any claims where a certificate/report has not been obtained from the airline giving the details of the hijack. You are covered for personal accident insurance benefits for up to two HSBC Primary cards held by you.

Services by third parties Travel benefits on your credit card are provided by Cox and Kings Travel and Finance Limited, global calling card by GlobalOne and car rental services by Autoriders. HSBC makes no representations about the quality of their services and will not be responsible if the service is in any way deficient or otherwise unsatisfactory. Disputes 1) This Agreement will be governed by and be construed in accordance with the laws of India. All disputes are subject to the exclusive jurisdiction of the Courts at Mumbai, irrespective of whether any other Court may have concurrent jurisdiction in the matter. 2) You are liable for all costs associated with collection of dues, legal expenses and decretal amounts with interest, should it become necessary to refer the matter to any agent or where legal resources for enforcement of payment has been taken. General: 1) In addition to any general right to set-off or other right conferred by law or under any other agreement, HSBC may, without notice, combine or consolidate the outstanding balance on the card account with any other account(s) which you maintain with HSBC and setoff or transfer any money outstanding to the credit of such other account(s), in or towards the satisfaction of your liability to HSBC under this Agreement. 2) You will promptly notify HSBC in writing of any changes in your employment and/or office and/or residential address and telephone numbers. 3) HSBC reserves the right to revise policies, features and benefits offered on the card and alter these terms and conditions from time to time and may notify you of any such alterations in any manner it thinks appropriate. You will be bound by such alterations unless the card is returned to HSBC for cancellation before the date from which any alteration is to have effect. 4) You acknowledge that HSBC is not responsible for any of the services provided by third parties. 5) You will pay your dues preferably by cheques alone drawn payable to HSBC and account payee crossed. HSBC may exceptionally accept payments in cash not exceeding Rupees fifty thousand only. Any instructions to transfer the excess credit balance in your credit card account to your savings account or current account may not be carried out. Termination: 1) You may terminate this Agreement at any time by written notice to HSBC accompanied by the return of the card and any additional cards cut into several pieces and full clearance of all the outstandings. Where this Agreement relates to the use of an additional card, you or the additional cardholder may terminate this Agreement (in so far as it relates to the use of the additional card) by written notice to HSBC. Please destroy the card by cutting it into several pieces through the magnetic strip. 2) HSBC may terminate this cardholder Agreement at any time by cancelling the card with or without assigning any reason. 3) Any notice given by HSBC hereunder will be deemed to have been received by you within seven days of posting to your address last notified in writing to HSBC. 4) The whole of the outstanding balance on the card account, together with the amount of any outstanding card transactions effected but not yet charged to the card account, will become immediately due and payable in full to HSBC on suspension/termination of the agreement for whatever reasons or on the insolvency or death of the cardholder. HSBC will become entitled to recover the outstanding dues together with all expenses, legal fees, finance charges and interest from the estate of the cardholder on his death, without prejudice to its rights to continue to charge the finance charges and other charges at prevailing rates till the dues are settled.

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Tariff sheet
Gold card GENERAL: Payment Due Date from statement date Free Credit period Finance charges on extended credit Minimum repayment on extended credit usage Duplicate statements (older than three months) 18 days 18 days Classic card

Gold card Transaction fee for cash Rs. 100 withdrawal against your bank account at HSBC ATMs overseas & other VISA/ MasterCard ATMs in India and overseas FEES AND CHARGES: Joining fees Rs. 500 Rs. 2,000 Rs. 1,000

Classic card Rs. 100

Up to 48 days 2.95% per month

Up to 48 days 2.95% per month

Rs. 300 Rs. 700 Rs. 350

5% per month

5% per month

Annual fees Annual fee for additional card (no joining fee) Overlimit fee Late payment fee

Rs. 100 per statement

Rs. 100 per statement Rs. 100

Charge in case of Rs. 100 cheque bounce and standing instruction dishonoured CASH ADVANCE: Maximum withdrawal per day from ATMs (from HSBC bank account or credit card account) Rs. 50,000

Rs. 200 per month 10% of the overdue amount (subject to a minimum of Rs.100 and a maximum of Rs. 250, if not paid within 18 days from the statement date)

Rs. 200 per month 10% of the overdue amount (subject to a minimum of Rs.100 and a maximum of Rs. 250, if not paid within 18 days from the statement date)

Rs. 25,000

Cash advance limit (against 40% of credit limit credit card account)
3% of the transaction Transaction fee for cash advances against your credit amount (subject to a card account at branches minimum of Rs. 200). Finance charges per month at the prevailing rate will also be applicable.

40% of credit limit

Sales slip retrieval/ charge back processing fee Out of town cheque processing/collection charge

Rs. 225 0.4% of the cheque value (subject to a minimum of Rs. 30) plus postage @ Rs. 25 per cheque

Rs. 225 0.4% of the cheque value (subject to a minimum of Rs. 30) plus postage @ Rs. 25 per cheque

3% of the transaction amount (subject to a minimum of Rs. 200).

Finance charges per month at the prevailing rate will also be applicable. 2.5% of the transaction amount (subject to a minimum of Rs. 100). Finance charges at the prevailing rate will also be applicable.

Transaction fee for cash advances against your credit card account at ATMs

2.5% of the transaction amount (subject to a minimum of Rs. 100). Finance charges at the prevailing rate will also be applicable.

Card replacement fee (within India) Card replacement fee (outside India)

Rs. 100 Rs. 100 plus international courier cost of Rs. 700

Rs. 100 Rs. 100 plus international courier cost of Rs. 700

Note: No refund of joining fees or annual fees will be available if the card is terminated. Tariff structure subject to change from time to time at the sole discretion of HSBC. As per the Ministry of Finance guidelines,a service tax of 5% will be levied on all fees, interest and other charges on all Credit Cards w.e.f. 16 July 2001. Pending system amendments, this 5% tax will be grossed up in the respective fees & charges in your statement.

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Other fees and charges - Gold and Classic cards Finance charges are computed on the daily balance outstanding from the date of the statement. All new transactions will also start incurring interest at the prevailing rate on daily balances from the date of posting into the account. You will enjoy a free credit period only if the entire billed amount is settled by the due date. Finance charges will be levied in case part payments are received. For example, if your dues are Rs. 4,000 you can pay the minimum of 5% of the total amount i.e. Rs. 200 and the balance amount of Rs. 3,800 will be carried forward. Finance charges will be computed on the statement closing balance (Rs. 4,000) from the statement date till the date the payment (Rs. 200) is received. The balance amount unpaid (Rs. 3,800) and fresh transactions, if any, will attract a finance charge on the daily balance outstanding in the account. In line with the current VISA/MasterCard rules, all transactions at railways and petrol pumps will attract a service charge of Rs. 10 or 2.5% of the transaction amount, whichever is higher. In addition, the railways will also levy a processing charge of Rs. 30 per transaction. This charge is not levied by the Bank but by the acquiring bankers to the railways and petrol pumps. Limit enhancement No fee. This is available after six months of card ownership. Foreign exchange entitlement: As per the RBI regulations existing on date of print. Basic Travel Quota (BTQ): Resident Indians are allowed a BTQ entitlement not exceeding US$ 5,000 or its equivalent per person in one calendar year for one or more private visits to any country (except Nepal and Bhutan). Business Travel and Entertainment Allowance: Exchange not exceeding US$ 25,000 per trip, irrespective of the period of stay, for business purposes or for participating in conferences or seminars.

Addresses/Telephone numbers
HSBC branches/ATMs in India
Ahmedabad: Main Office: Mardia Plaza, C.G. Road, Ahmedabad 380 006. Off-Branch ATMs: Satellite Road: Maruti Towers, Opp. Jayshefali Row Houses, Satellite Road, Ahmedabad 380 015. Drive-In Road: Shop No.UL12, Indraprastha, Drive-In Road, Nr Drive-In Cinema, Thaltej, Ahmedabad 380 054. Maninagar: Shop No.3, Ground Floor, Utsav Complex, Maninagar, Station Road, Maninagar, Ahmedabad 380 008. Bangalore: Main Office: 7, Mahatama Gandhi Road, Bangalore 560 001. Off-Branch ATMs: Airport Road: Gem Wellington Complex, Ground Floor, Close to Nilgiris Supermarket, Airport Road, Bangalore 560 017. BTM Circle: Shop No.4, S.M. Plaza, No.16, KEB Layout, Bannergatta Road, BTM Circle, Bangalore 560 076. CMH Road: No.493, CMH Road, Indiranagar, Bangalore 560 038. Frazer Town: 46/1, Frazer Town, Coles Road, Bangalore 560 005. Jayanagar: Nacons House, No.75/3/2, 8th Main, 3 rd Block, Elephant Rock Road, Jayanagar, Bangalore 560 011. Koramangala: Shop No.G-4, Money Centre, Opp. Raheja Arcade 80 Feet Road, Koramangala, Bangalore 560 095. Langford Town: No.4, Raksha Complex, OShaugnessey Road, Langford Town, Bangalore 560 052. Leemans Complex: Leemans Complex, Next to Food World, Cunningham Road, Bangalore 560 052. Sadashivnagar: Unit No.7, Esteem Plaza, 4th Main Road, Sadashivnagar, Bangalore 560 080. Tech Park Mall: Unit No.17A, Lower Ground Floor, Tech Park Mall, Information Technology Park, Whitefield, Bangalore 560 066. Chandigarh: Main Office: SCO1, Sector 9-D, Chandigarh 160 017. Off-Branch ATMs: Panchkula: Booth No.87, Sector 7, Panchkula, Haryana 134 109. Mohali: SCF-32, Phase VII, S.A.S. Nagar, Mohali, Punjab 160 059. Chennai: Main Office: 96, Dr. Radhakrishnan Salai, Mylapore, Chennai 600 004. Off-Branch ATMs: Adyar: Rajalakshmi Palace 43 I Main Road, Gandhi Nagar, Adyar, Chennai 600 020. Anna Nagar: Yeses Supermarket, T-101, 3rd Avenue, Anna Nagar, Chennai 600 040. Anna Salai: G 49, Spencer Plaza Ground Floor, 769-A, Anna Salai, Chennai 600 002. St. Thomas Mount: Old No.51, New No.54, Bhut Road, Near Kathipara Junction, St. Thomas Mount, Chennai 600 016. Numgambakkam: Door No.7, Khader Nawaz Khan Road, Barista Coffee Shop, Nungambakkam, Chennai 600 006 Rajaji Salai: 30 Rajaji Salai, Chennai 600 001. Tidel Park: Tidel Park, No.4 Canal Bank Road, Taramani, Chennai 600 113. T Nagar: Challa Mall, No.11/11A, Sir Theyagaraya Road, T Nagar, Chennai 600 017. Coimbatore: Main Office: Srivari Gokul Towers, 108 Race Course Road, Coimbatore 641 018. Gurgaon: Main Office: JMD Regent Square, Gurgaon Mehrauli Road, DLF Phase II, Gurgaon 122 001. Off-Branch ATMs: DLF City: Shop No.J-3, Ground Floor, Qutab Plaza Market, DLF City, Phase I, Gurgaon 122 002. Sector 14: Booth No.101, Sector 14, Gurgaon, Haryana. Hyderabad: Main Office: Uma Plaza, Road No.1, Nagarjuna Hills, Hyderabad 500 082. Off-Branch ATMs: Banjara Hills: Babu Khan Infotec Chambers, Road No.10, Banjara Hills, Hyderabad 500 034. Madhapur Village: L&T Infocity Phase II, Cybergateway, Madhapur Village, Hyderabad. Abids: Maheshwari Plaza Mall, 4-1-833, Palace Talkies Compound, Near GPO, Hyderabad. Secunderabad: 10-2-197 to 199, Shop No.2, Entrenchment Road, Nehru Nagar, Secunderabad 500 026. Kolkata: Main Office: 31, BBD Bagh, Dalhousie Square, Kolkata 700 001. Ballygunge: 15 Gariahat Road, Ballygunge, Kolkata 700 019. Gariahat: 2/1 A, Ekdalia Road, Kolkata 700 019. Howrah: 21 Grand Trunk Road (South), Howrah 711 101. Netaji Subhas Road: 8 Netaji Subhas Road, Kolkata 700 001. Shakespeare Sarani: The Legacy, 25A Shakespeare Sarani, Kolkata 700 017.

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Ultadanga: P-158, Nazrul Islam Avenue, Kolkata 700 054. Off-Branch ATMs: Behala: Mili Apartments, 569 Diamond Harbour Road, Behala, Kolkata 700 034. Bhowanipore: 33 ATM Road, Bhowanipore, Kolkata 700 020. CR Avenue: Central Avenue, Central Metro Station, 57A C R Avenue Kolkata 700 073. J.N. Road: 12 Jawaharlal Nehru Road, At Peerless Inn, Kolkata 700 013. Jessore Road: 932A/83, Jessore Road, Kolkata 700 089. Jodhpur Park: 1/427 Gariahat Road (South), Jodhpur Park, Kolkata 700 068. Kadamtala: 166/2 Belilious Road, Kadamtala, Howrah 711 101. Phulbagan: P-338, C.I.T. Road, Scheme VI M, Phulbagan, Kolkata 700 054. Russel Street: 2/1, Russel Street, Kolkata 700 071. Rash Behari Avenue: 39A Rash Behari Avenue, Kolkata 700 026. Salt Lake: Price Waterhouse Coopers Limited, Plot No. XI-7 Block EP/GP, Salt Lake, Sector V, Kolkata 700 091. Sarat Bose Road: 19C, Sarat Bose Road, Kolkata 700 020. Shakespeare Sarani: 3A, Shakespeare Sarani, Kolkata 700 017. Shyambazar: 13 Bhupen Bose Avenue, Kolkata 700 004. Southern Avenue: 190 Sarat Bose Road, Kolkata 700 029. Tollygunge: Tollygunge Metro Station, Tollygunge, Kolkata 700 033. Mumbai: Main Office: 52/60, Mahatma Gandhi Road, Mumbai 400 001. Andheri (East): Kamala Bhavan, Swami Nityanand Marg, Mumbai 400 069. Andheri (West): E 2-3-4 Manish Gardens, Ground floor, J P Road, Mumbai 400 058. Bandra (West): Mangal Mahal, Turner Road, Mumbai 400 050. Borivili (West): Siddharth Arcade, L.T. Road-Factory Lane Junction, Mumbai 400 092. Chembur: Mercantile Apartments, Dr. Choitram Gidwani Road, Mumbai 400 074. Juhu Vile Parle: Saroj, B7 Kapole Society, V. L. Mehta Road, Near Juhu Centaur, Mumbai 400 049. Peddar Road: Asha Mahal, 46, Dr. B.G. Deshmukh Marg, Mumbai 400 026. Off-Branch ATMs: Andheri: Opp. Seepz Main Gate, Central Road, MIDC, Andheri (E), Mumbai 400 069. Andheri: Unit No.17, Mittal Estate Bldg. No.2, Marol, Andheri Kurla Road, Andheri (E), Mumbai 400 059. Andheri: Shop No.10, Ramjharukha Co-op. Housing Society Ltd., S.V. Road, Andheri (W), Mumbai 400 058. Andheri: Shop No.9, Evershine Apts II, Jaiprakash Road, 7 Bungalows, Near Bon Bon, Mumbai 400 053. Andheri: Shop No.22, Encore Apna Ghar, Unit No.6, Swami Samarth Nagar, Lokhandwala, Mumbai 400 053. Bandra: Prakash Building, Near Amarsons, Linking Road, Bandra (W), Mumbai 400 050. Bandra: Shop No.1, Sagar Elegance, Opp. Mehboob Studios, Mumbai 400 050. Bandra: Shop No.2, Building No.1 Maria Apts., 78 Pali Hill, Bandra (W), Mumbai 400 050. Bhulabhai Desai Road: Indian Oil Corporation Petrol Pump, Near Tata Gardens, Bhulabhai Desai Road, Mumbai 400 026. Borivili: Shop No.4, EL Plaza CHS Ltd., I C Colony Main Road, Borivili (W), Mumbai 400 103. Chembur: Sunny Estate, Sion Trombay Road, Opp. Diamond Gardens, Chembur, Mumbai 400 071. Cuffe Parade: Shop No.3, Maker Arcade Co-op Society Ltd., Cuffe Parade, Mumbai 400 005. Dadar: Shop No.11, Hari Niwas, Near Shivaji Park, L.J. Road, Mumbai 400 016. Fort: Chhatrapati Shivaji Terminus, Central Railway Station, Outside Outstation Reservation Centre, Fort, Mumbai 400 001. Ghatkopar: Shop No.8, Laxmi Palace CHS Ltd., R.B. Mehta Road, Ghatkopar (E), Mumbai 400 077. Haji Ali: Crossroads Plaza, Opp. Haji Ali, Tardeo, Mumbai 400 034. Juhu: Shop No.10, Foreshore Building, Juhu Tara Road, Near Hotel Sea Princess, Mumbai 400 049. Kandivili: Krishna Palace, Near Asha Nagar, Next to Saidham Mandir, Western Express Highway, Mumbai 400 067. Kandivili: Shop No.4, Shreeji Arcade, Junction of M.G. Road and S.V. Road, Kandivili, Mumbai 400 067. Kings Circle: Shop No.3, Kalyan Bhuvan, Maheshwari Udyan, Kings Circle, Mumbai 400 019. Malad: Archana Apartment (Shop No.3), S.V. Road, Opp. Sundar Nagar, Malad (W), Mumbai 400 064. Malad: Shop No.1, Jamuna Bldg., New Link Road, Mith Chowki, Malad (W), Mumbai 400 064. Mulund: Shop No.4, Chandra Darshan, P K Road, Panch Rasta, Mulund (W), Mumbai 400 080. Nariman Point: Ground Floor, Express Towers, Nariman Point, Mumbai 400 021. Powai: Galleria Shopping Arcade, Hiranandani Gardens, Opp. Hakone Entertainment Centre, Powai, Mumbai 400 076. Prabhadevi: Shop No.10, Kohinoor Corner, Veer Savarkar Marg, Prabhadevi, Dadar (W), Mumbai 400 026. Santacruz: Sahil Junction, Off S.V. Road and Juhu Tara Road, Below Classic Hotel, Santacruz (W), Mumbai 400 054. Santacruz: Saryu Premises Commercial Co-operative Society, Plot No.64/B, Linking Road, Santacruz (W), Mumbai 400 054. Shivaji Park: Park Apartments, 2, Veer Savarkar Marg (Cadell Road), Dadar (W), Mumbai 400 028. Thane: Shop No.1 & 2, Ashok Paranjape Udyog Bahavan, Gokhale Road, Thane 400 601. Thane: Shop No.6A, Amprapali Shopping Arcade, Vasant Vihar, Thane(W), Mumbai 400 601. Vashi: 7-Hermes Centre, Sector 17, Vashi, Navi Mumbai. Vile Parle: Shop No.9, Tirupati Apts., Nehru Road, Vile Parle (E), Mumbai 400 025. Vile Parle: Sangam Arcade, Vile Parle Station Road, Vile Parle (W), Mumbai 400 056.

Worli: HSBC Central Services Centre, S.K. Ahire Marg, Behind Glaxo, Worli, Mumbai 400 025. New Delhi: Main Office: ECE House, 28 Kasturba Gandhi Marg, New Delhi 110 001. Masjid Moth: 6 Local Shopping Complex, Block E, Masjid Moth, Greater Kailash II, New Delhi 110 048. South Extension: F-43, South Extension-I, New Delhi 110 049. Off-Branch ATMs: Basant Lok: 60, Basant Lok Community Centre (Near Priya Cinema), New Delhi 110 070. Chandni Chowk: 302, Chandni Chowk, New Delhi 110 006. Defence Colony: Shop No.29, Defence Colony Market, New Delhi 110 065. Greater Kailash II: Shop No.3, DDA Community Centre, Savitri Cinema Complex, Greater Kailash II, New Delhi 110 048. Hauz Khas: Shop No.10, Convenient Shopping Centre (CSE), SFS, Hauz Khas, New Delhi 110 016. Kamla Nagar: Shop No.5893/XII, Plot No. U28/UA, Jawahar Nagar, New Delhi 110 007. Khan Market: 26A, Khan Market, New Delhi 110 003. Mayur Vihar: Chetan Plaza, Shop No.G-2, Plot No.4, Local Shopping Centre, Mayur Vihar, Phase I, New Delhi 110 091. New Friends Colony: Capital Trust House, 47 New Friends Colony, Community Centre, Main Mathura Road, New Delhi 110 065. Nehru Place: G-3, Shakuntala Apts., 59 Nehru Place, New Delhi 110 019. Pitampura: Shop No.G-7, Twin Tower II, Plot No. A-2, 3 & 4, District Centre, Wazirpur, Pitampura, New Delhi 110 034. Preet Vihar: Shop No.6/S-2, Aditya Commercial Complex, Community Centre (Near McDonalds), Preet Vihar, New Delhi 110 092. Rajinder Nagar: 107, Shankar Road Market, New Rajinder Nagar, New Delhi 110 060. Rajouri Garden: Shop No.67, Plot No.9, J Block, DDA Complex Community Centre, Rajouri Garden, New Delhi 110 027. Saket: Plot No.17, Shop No.3, Ground floor, Community Center, Saket, New Delhi 110 017. Sarita Vihar: Shop No.G-2, Plot No.2, Local Shopping Centre, Pocket H & J, Sarita Vihar, New Delhi 110 065. Vasant Kunj: Shop No.10, Local Shopping Complex, Vasant Kunj, New Delhi 110 070. Vikaspuri: Shop No.5, Sonia Cinema cum Commercial Complex, Community Centre, New Delhi 110 018. Noida: Main Office: Plot No.K-14-18, Sector 18, Noida 201 301, U.P. Off-Branch ATM: Noida: Shop No.P-10, Sector-18, Atta Market, Noida 201 301. Pune: Main office: Amar Avinash Corporate City, Sector No.11, Bund Garden Road, Pune 411 001. Off-Branch ATMs: M.G. Road: Shop No.6, Radiant Plaza, 327 M.G. Road, Pune 411 001. Mangaldas Road: Shop No.5, Hermes Kunj, Mangaldas Road, Pune 411 001. Shivaji Nagar: Shop No.8, Jungli Maharaj Road, Kamala Arcade, Pune 411 005. S.B. Road: Survey No.108/8/1+2/1, Senapati Bapat Road, Pune 411 053. Trivandrum: Main Office: Kulathakal Towers, Diamond Hill, Vellayambalam, Trivandrum 695 010. Off-Branch ATMs: Technopark Campus: Nila Building, Technopark Campus, Kariyavattom, Trivandrum 695 581. Visakhapatnam: Main Office: 28-16-31, Suryabagh, Visakhapatnam 530 020. Off-Branch ATMs: Dutt Island: Dutt Island, Shop No.5, Sirripuram Junction, Visakhapatnam 530 003. Gajuwaka: Shopping Arcade, Old Gajuwaka Junction, Visakhapatnam 530 026.

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Card Products Division offices Ahmedabad (079): Mardia Plaza, C. G. Road, Ahmedabad 380 006. Tel: 644 5767; Fax: 642 0076. Bangalore (080): Manipal Centre, North Block, Dickenson Road, Bangalore 560 042. Tel: 558 0001; Fax: 558 4411. Kolkata (033): The Legacy, 25 A, Shakespeare Sarani, Kolkata 700 017. Tel: 280 2848; Fax: 282 1865. Chandigarh (0172): SCO1, Sector 9-D, Chandigarh-160 017 Tel: 745 807; Fax: 743 711. Chennai (044): 30, Rajaji Salai, Chennai 600 001. Tel: 526 0001; Fax: 522 0261. Hyderabad (040): Uma Plaza, Road No. 1, Nagarjuna Hills, Hyderabad 500 082. Tel: 335 7001; Fax: 335 6399. Mumbai (022): S.K. Ahire Marg, Worli, Mumbai 400 025. Tel: 491 0001; Fax: 491 0028/498 1135. New Delhi (011): Mercantile House, 15 K.G. Marg, New Delhi 110 001. Tel: 373 0001; Fax: 372 5329. Trivandrum (0471): Kulathakal Towers, Diamond Hill, Vellayambalam, Trivandrum 695 010. Tel: 310 001; Fax: 331 259. Visakhapatnam (0891): 28-16-31, Suryabagh, Visakhapatnam 530 020. Tel: 525 001; Fax: 562 242. *Please address all your correspondence to The Manager, Credit Cards, c/o P.O. Bag 291128, Mumbai-400 025.

Cox and Kings Travel and Finance Ltd. offices Bangalore (080): No.22, BMH Complex, First Floor, K. H. Road, Bangalore 560 027. Tel: 223 9192/9337/9258. Fax: 223 8911/224 2353. Kolkata (033): 6, Little Russel Street, Kankaria Estate, Kolkata 700 071. Tel: 280 1920/1/2. Fax: 280 1923. Chennai (044): Ceebros, Rangam, 11 Cenotaph Road, Teynampet, Chennai 600 018. Tel: 432 7101/2/3. Fax: 432 7110. Goa (0832): Block A, Flat No.2, First Floor, St. Joseph Apartment, (Near Football Ground), Condolim, Bardez, Goa 403 515. Tel: 275 063. Fax: 279 886. Gurgaon (0124): 114, Qutab Plaza, DLF Phase - 1, Gurgaon 122 002. Tel: 635 6878/81. Fax: 635 8449. Hyderabad (040): No. MCH 6-2-984-101, Pavani Plaza, Raj Bhavan Road, Khairatabad, Hyderabad 500 004. Tel: 330 6491/92/93/94/95. Fax: 330 3275. Jaipur (0141): E 141/A, Sardar Patel Marg, Residency Area, C Scheme, Jaipur 302 006. Tel: 382 917. Fax: 383 597. Kochi (0484): 39/4057, Ravipuram Road, Kochi 682 016. Tel: 380 581/582. Fax: 360 151.

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Mumbai (022): Grindlays Bank Building, 270/272, Dr. D. N. Road, Mumbai 400 001. Tel: 207 1762. Fax: 207 3068. 9, Bonanza, Sahar Plaza, M. V. Road, Andheri (East), Mumbai 400 059. Tel: 824 5701/8. Fax: 824 5710. Cecil Court, 1 Floor, Lansdowne Road, Mumbai 400 001. Tel: 207 1764. New Delhi (011): Indra Palace, H-Block, Connaught Circus, Delhi 110 001. Tel: 373 8811. Fax: 3317373. Pune (020): 4, Shastri Apartments, 4, Moledina Road, Pune 411 001. Tel: 605 1443/45/613 5441. Fax: 613 1977.
st

Autoriders Rent-a-Car offices For reservations call Autoriders Rent-a-Car offices at: Ahmedabad (079): Tel: 646 6418/646 2434 Bangalore (080): Tel: 559 9408/4854 Kolkata (033): Tel: 282 3567/9164 Chennai (044): Tel: 433 0684/0057 Hyderabad (040): Tel: 764 4002 Mumbai (022): Tardeo: Tel: 496 1714/1715 Corporate Office: Tel: 616 0344/610 7235 New Delhi (011): Tel: 619 7188/617 0728 Pune (020): Tel: 612 8448/613 5148 The Autoriders counter at: Airport, Ahmedabad Tel: 286 3621 Hotel Holiday Inn, Ahmedabad Tel: 550 5505 Extn.: 337 Hotel Comfort Inn, Ahmedabad Tel: 286 2591 Hotel Ambassador, Pallava, Chennai Tel: 855 4476/4068 Autoriders International Ltd. Head office: Tel: 022-496 1714/1715 Fax: 022-492 1172 Fax: 492 1172 Fax: 492 1172

Fax: 646 2466

Fax: 558 4759

Fax: 282 3561

Fax: 433 0014

Fax: 764 4004

Fax: 619 7206

Fax: 613 8448

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DBS Business Centre lounges Bangalore (080): 26, Cunningham Road, Bangalore 560 052. Tel: 226 7272. Fax: 225 1133 Email: dbslr@giasbg01.vsnl.net.in

GlobalOne calling card application form

Yes, I would like to apply for a GlobalOne calling card.

Name: Mr./Ms.
First

Middle

Last

Kolkata (033): 8, A.J.C. Bose Road, Kolkata 700 017. Tel: 247 7280/4990/0400. Fax: 247 4614

Residential address:

Pin:

Tel:

Chennai (044): 31A, Cathedral Garden Road, Chennai 600 034. Tel: 827 5191/9186/6596. Fax: 825 7258 Mumbai (022) - Registered Office: Raheja Chambers, 213, Nariman Point, Mumbai 400 021. Tel: 287 2641/284 5383. Fax: 287 2640 Email: info@dbsindia.com

Office address:

Pin: Credit card number:

Tel:

Card expiry date

DBS House, Murzban Road, Fort, Mumbai 400 001. Tel: 207 5133/4/5. Fax: 208 9450 New Delhi (011): World Trade Towers, Barakhamba Lane, New Delhi 110 001. Tel: 341 4668/4745. Fax: 341 4740 Secunderabad (040): 111-115, Chenoy Trade Centre, Park Lane, Secunderabad 500 003. Tel: 784 6970/784 2588/784 7077/784 0708 Fax: 784 6855.

Passport no.
D D M M Y Y Y Y

Passport expiry date

Statement of authorisation I hereby apply for a free GlobalOne calling card. I understand and agree that charges for any phone call made using my global calling card will be billed to my credit card from HSBC in Indian rupees and will be subject to the normal terms and conditions of the global calling card. I understand that every call made using my global calling card is subject to GlobalOne authorisation. I declare that I will use my global calling card only when travelling overseas. If my global calling card or credit card is lost, stolen, terminated or expires, or if for
P.T.O.

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any reason, I wish to terminate this authorisation to bill my account, I will promptly notify HSBC and Global One India Pvt. Ltd. I declare that the particulars given in this form are true and do not hold, and have not applied for another rupee denominated calling card.

Electronic clearing service application form

(Currently available for cardholders in Mumbai and New Delhi only.) To use the Electronic clearing service (ECS) which allows you to debit your card payment directly to any bank account you wish, please provide us the following information. 1) Name:

Signature of cardholder: Date: *Please send a photocopy of your passport clearly showing name, passport number
and expiry date.

2)

HSBC Credit card number:

Please mail to: Post Bag No. 4274, New Delhi -110 016. Or fax to: 011-647 3877.

Greater

Kailash-II

P.O.

3) Particulars of the bank account you wish to debit. a) Bank name: b ) Branch name: c) Nine digit code number of the bank and branch appearing on the MICR cheque issued by the bank: . d ) Account type (Savings account/current account or cash credit) with code 10/11/13:

e) Ledger number/Ledger folio number (if applicable):

f) Account number (as appearing on the cheque book)

4) Card outstanding amount to be debited (please indicate your choice by ticking the appropriate box): Minimum amount due, i.e. 5% of the closing balance. A percentage of the total outstanding due (please specify the percentage) Total amount outstanding. 5) Date from which you would like to use the ECS facility: %.

I hereby declare that the particulars given on this form are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect

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information, I will not hold The Hongkong and Shanghai Banking Corporation Limited responsible. I agree to discharge the responsibility expected of me as a participant under the scheme. Signature of cardholder: Date: (Please attach a photocopy of a cheque or a blank cancelled cheque issued by your bank for verifying the accuracy of your code number and have the form attested by your bank.)

( Signature of the authorised official from your bank) Date: Banks stamp:

Please note:
Due to the settlement dates being fixed in advance by the RBI, the debit to your nominated bank account may take place up to four working days prior to your credit card payment due date. In order to be within the RBI specified settlement dates, your statement date may be changed prior to your first ECS payment. Please ensure that your bank account has sufficient funds to cover the ECS debit each month, else a charge of Rs.100 would be levied for every unsuccessful attempt. In case you wish to withdraw from the ECS facility at any point in time, you would need to give HSBC an advance notice of at least one month prior to the payment due date. If 3 successive monthly ECS payments are not received, the Bank reserves the right to automatically cancel your ECS facility. This facility is currently available for cardholders in Mumbai and New Delhi only (destination Bank/Branch should participate in MICR Mumbai or New Delhi RBI clearing.) Payment vide ECS can be for a maximum of Rs. 100,000 as per RBI regulations. Kindly arrange to make direct payment of the balance amount, if any. Please continue making payments as usual till you receive confirmation from HSBC. After that, please ensure that payment into your card account are through the ECS facility only. Your ECS mandate will be updated on the credit card account within 30 days of receipt of the completed ECS from with relevant documents.

Please mail to: The Hongkong and Shanghai Banking Corporation Limited, P.O. Box 29102, Worli, Mumbai 400 025.