American Express Gold Card vs HSBC Premier Credit Card
Side-by-side comparison of fees, rewards, and benefits
American Express
American Express Gold Card
American Express · Amex · Gold
HSBC India
HSBC Premier Credit Card
HSBC India · Visa · Signature
Metric
American Express
HSBC India
Annual Fee
₹4,500
Free
Joining Fee
₹1,000
Free
Effective Reward Rate
1.0%
0.8%
Forex Markup
3.5%
2.0%
Avg Annual Value
₹30,000
₹60,000
Annual Net Value
₹24,690
₹60,000
American Express Gold Card — Key Benefits
- ✓ 4X MR on Dining
- ✓ 2X MR on Travel
- ✓ 1X MR on All Other Spends
- ✓ Domestic Lounge Access
- ✓ Fuel Surcharge Waiver
HSBC Premier Credit Card — Key Benefits
- ✓ Unlimited International Lounge Access
- ✓ 10X Reward Points on Travel
- ✓ 3 RP per ₹100 on All Spends
- ✓ Low Forex Markup
- ✓ Fuel Surcharge Waiver