HSBC
HSBC Premier Credit Card
Annual Fee
₹23,600₹20,000 + GSTBase Reward
3% points
Foreign Markup
0.99%
Welcome Benefits
20,000 reward points on card activation
Product Highlights
- Earn 3 reward points for every ₹100 spent
- Unlimited domestic and international airport lounge access
- 20,000 welcome reward points on card activation
Category Rewards
travel
12X on Travel via Travel with Points
12X
travel
12X on Travel via Travel with Points
12X
Specialty
12X on Travel via Travel with Points
12X
Fee Waiver
Waived on meeting HSBC Premier eligibility criteria
Reward Calculator
Costs you ₹19,460/year
Break-even needs ~₹74,107/month at your reward mix.
₹13K
across all your buckets
16.6K
HSBC Reward Points
₹4.1K
via statement credit · ₹0.25/pt
Effective rate
2.65%
Annual fee
₹23,600
Year 1 net
₹-14,460
incl. welcome
Year 2+ net
₹-19,460
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
0.99%Charged on every international (non-INR) transaction
Excluded from rewards
fuel
Fuel surcharge waiver (good news)
1%on ₹400–₹4,000 fuel txns
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 reward points for every ₹100 spent. Earn up to 12X reward points on hotels, flights, and car rentals on Travel with Points. Reward points never expire.
- 1 reward point = ₹1 at Apple, up to 5% cashback on select transactions.
Benefits & Features
Domestic: Unlimited domestic lounge access International: 8 international guest visits Unlimited domestic lounge access for cardholders. 8 international guest visits included.
Pros & Cons
Pros
- High reward points earning rate
- Unlimited lounge access
- Comprehensive travel insurance
Cons
- High annual fee
- Eligibility limited to HSBC Premier customers
Additional Info
You must be an existing HSBC Premier customer to apply.
The card is only available to HSBC Premier banking customers.
To qualify for HSBC Premier, maintain an average quarterly Total Relationship Balance of ₹50,00,000 or a salary account with a net monthly salary credit of ₹300,000.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Salaried
₹3.0L+
Networks
Fee Waiver
Waived on meeting HSBC Premier eligibility criteria