HSBC Premier Credit Card
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 12 pts per ₹100 (≈3.0% value) on travel bookings spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.
- Joining Fee₹12,000
- Annual Fee₹20,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 12 pts per ₹100 on travel bookings (cap 18000 points / monthly)
- Base 0.75% on other spends
- Not applicable
HSBCworld elitesuper premiumRewards and Benefits
- air accident: ₹5,00,00,000
- travel medical: ₹2,50,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Travel & hotels₹300/mo
You spend ₹10,000 · earns 3.0% = ₹300 uncapped
- Capped at ₹4,500/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.8% = ₹113/mo
- Groceries₹8,000 · 0.8% = ₹60/mo
- Dining & food delivery₹8,000 · 0.8% = ₹60/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.8% = ₹38/mo
₹6,840 rewards − ₹20,000 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- 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 worth ≈3.0% on travel bookings.
- High annual fee of ₹20,000.
- No rewards on fuel spends.
Accelerated rewards
- 12 pts per ₹100 on travel bookings (cap 18000 points / monthly)12X reward points on hotels, flights & car rentals booked via HSBC Travel Edit; 3 RP per ₹100 base. Accelerated travel reward points capped at 18,000/calendar month per HSBC's travel-rewards page (retrieved 2026-07-05); base points remain uncapped.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
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 3 Jul 2026
Last verified 5 Jul 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).