HSBC India
Signature · Premier
HSBC Premier Credit Card
HSBC India
Premium rewards and unlimited global lounge access for Premier clients
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.8%
Forex Markup
2%
Value Analysis
Annual Net Value
₹60,000
Total Annual Benefits
₹60,000
Total Annual Charges
₹0
ROI
9999%
Fee Waiver Available
No annual fee for HSBC Premier banking customers — no spend-based waiver needed — ₹0 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Airport Lounge Access (1)
Unlimited International Lounge Access
Unlimited complimentary international airport lounge access via Priority Pass
- • Priority Pass membership included
- • Guest access at $27 per visit
Unlimited visits
₹80,000/yr
Travel Benefits (2)
10X Reward Points on Travel
Earn 10X reward points on travel spends including flights, hotels, and travel bookings
- • Flights, hotels, car rentals, and travel agencies
10X RP
Low Forex Markup
Only 2% currency markup on international transactions
2%
Reward Points (1)
3 RP per ₹100 on All Spends
Earn 3 reward points per ₹100 spent on all retail purchases
- • Excludes cash advances, quasi-cash transactions
3 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Concierge Services (1)
Premier Concierge Services
Dedicated 24/7 concierge services for Premier cardholders
Included
Reward Program
Program
HSBC Reward Points
3 RP per ₹100 (10X on travel)
Effective cashback: 0.75%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights and hotels via HSBC rewards portal
- → Air miles transfer to airline partners
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
Bonus Categories
Travel
10x multiplier
10X reward points on all travel spends
Others
3x multiplier
3 reward points per ₹100 on all other spends
Milestone Bonuses
15,000 bonus reward points on spending ₹8 Lakh annually
Spend ₹8,00,000 annually
15,000 Reward Points
Additional 10,000 bonus reward points on spending ₹12 Lakh annually
Spend ₹12,00,000 annually
10,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free for Premier customers |
| Annual Fee | Free Free for Premier customers |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.15%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹2,00,000
- Min. Annual Income
- ₹25,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Requires active HSBC Premier banking relationship
- • Minimum Total Relationship Balance of ₹30 Lakh
- • Salaried: Gross Monthly Income > ₹2 Lakh
- • Self-Employed: ITR > ₹25 Lakh p.a.
Existing account required
Insurance Coverage
Accidental Death
₹3.0 Cr
Permanent Disability
₹3.0 Cr
Travel Insurance
₹30.0 L
Lost Card Liability
₹15.0 L
Report within 24h
Air Accident Cover
₹3.0 Cr
Purchase Protection
₹3.0 L
90 days
- • Air accident cover: ₹3 Crore
- • Travel insurance: ₹30 Lakh
- • Emergency overseas hospitalization cover included
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
-1 visits/year
Unlimited via Priority Pass
~₹4,000/visit
Priority Pass Visa Lounge Access
- • Unlimited international lounge access via Priority Pass
- • Guest visits charged at $27 per visit
- • Domestic lounge access via Visa programme
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Premier banking benefits 24/7 concierge service Priority Pass membership Exclusive travel and dining privileges
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The HSBC Premier Credit Card is an exclusive card for HSBC Premier banking customers. It offers 3 reward points per ₹100 on all spends with 10X accele...
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