HSBC Premier Credit Card
Updated 15 Apr 2026Source-linked
The HSBC Premier Credit Card is a super premium credit card from HSBC India, with a joining fee of ₹20,000 + GST.
It earns up to 6% back on international spend spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.
HSBC Premier Credit Card
- Joining FeeFree
- Annual Fee₹20,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 6% on international spend
- Base 0.75% on other spends
Welcome Benefits
- Not applicable
HSBCworld elitesuper premiumRewards and Benefits
Rewards Rate
6% on international spend
Base 0.75% on other spends.
Reward Redemption
HSBC Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
Up to 25% off via EazyDiner Prime
Golf
2 round(s) / monthly.
Insurance Benefits
- air accident: ₹5,00,00,000
- travel medical: ₹2,50,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹16,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.99%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by HSBC India.
- Joining / annual fee of ₹20,000 + GST, waived on annual spends of ₹16,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Annual fee waivable on ₹16,00,000 spend.
- Low forex markup of 0.99% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn rate of 6% on international spend.
Cons
- High annual fee of ₹20,000.
- No rewards on fuel spends.
Accelerated rewards
- 6% on international spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via mastercard, dreamfolks.
International
Unlimited visit(s) / annual. Via loungekey.
Insurance benefits
- air accident: ₹5,00,00,000
- travel medical: ₹2,50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Sources
- : www.hsbc.co.in · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 780+
- Income (salaried)
- ₹40,00,000 p.a.
- Income (self-employed)
- ₹40,00,000 p.a.
Typically requires HSBC Premier banking relationship (qualifying relationship balance).